Ok even though your query seems condescending I will assume it is in good faith. so when the IMF makes a loan they require ‘structural adjustment’ of the country borrowing money. In other words push down wages and privatize any state owned social services. This is common knowledge and there is a wealth of information available on this topic.
China is approaching the ‘belt and road’ lending program differently, focusing on a ‘win win’ for lender and borrower. That’s why they are so popular in the global south. Again tons of data including world bank analysis saying they need to change the lending model to compete.
I hope you can get access to a wider swath of data because there is so much propaganda in western media it’s almond impossible to parse.