① Credit subject: As a specific economic transaction, credit should have an actor, which refers to both parties. Among them, the party transferring assets and services is the grantor, and the party accepting assets and services is the trustee. However, in the process of credit transaction of related commodities or currencies, the credit subject is often both the transferor and the trustee; In the credit loan, the transferor and the trustee are separated, not unified.
② Credit object: As an economic transaction, credit must have a transaction object, that is, the credit object.
(3) Credit content: the transferor grants the trust to the other party on the basis of his own assets, while the trustee obtains credit on the basis of his own commitment, so in the process of credit transaction, the transferor obtains rights and the trustee assumes obligations.
(4) Credit circulation tools: The relationship between the rights and obligations of both credit parties must be expressed on a certain carrier, which is called credit circulation tools.
⑤ Time interval: The biggest difference between credit behavior and other trading behaviors is that it is conducted within a certain time interval. Without time interval, credit has no place.