According to the modern interpretation of the term, there are two concepts of “credit” — “he believes” and a loan (debt).
Credit relations are the provision of the use of material values in a commodity or monetary form on the terms of return, solvency, which is fixed by the terms of the contract signed by both parties.
The essence of the loan — constantly and without fail consists in the return of the cost of the loan and the interest on it to the lender by the borrower.
The subjects of these interpersonal relationships are the lender and the borrower (a capable person who is able to take on responsibilities and be liable for them for debt obligations). The lender is a person (natural or legal) who transfers money to a borrower under certain conditions and requirements.
A site or an organization that provides its services can act as a lender. Vulcan players http://avtomaty-wulkan.com/ say that this method is very often used in gambling. By making bets, people can run out of money at the most crucial moment. In this case, these tools come to the rescue.
The object is the very cost of the loan in a commodity or cash equivalent, which the lender gives to the borrower for temporary circulation, and he returns it in accordance with the terms of the contract concluded between them.
In the modern market, under which market-economic conditions operate, the loan performs the 2nd functions — redistribution and replacement of the personal exchange of credit organizations.
Перераспределительная основывается на возврате кредитных средств в установленные сроки, и, чаще всего, платности.
Функция замещения представляет собой создание платежных средств, исключая наличный оборот, в результате чего и происходит экономия издержек обращения. Благодаря современному устройству денежного оборота происходит безналичная форма расчетов, т.е. клиент, храня и помещая свои денежные средства в банке, создает условия для безналичного обращения с помощью счета. Таким образом, и происходит замещение наличных средств безналичными расчетами.
Lending in the Russian Federation dates back to the 19th century. That is why many citizens compare these loans with the treasury or tribute. In principle, these are two similar concepts, but there is a difference here. Lending is a unique and modern procedure where there can be no failures. Got cash. spent — pay the debt. The system is simple and clear even for a child. But despite this, adult people make rash purchases, and then do not know how to pay off obligations without having stability at work.