2. Credit is the borrowing behavior between different owners reflecting a certain economic relationship. It is a special form of value movement on the condition of repayment. It is a credit activity in which creditors lend money and debtors repay on time and pay certain interest. Mainstream credit products include BOC e-loan from China Bank, lightning loan from China Merchants Bank and fast loan from China Construction Bank. Department of financial science and technology: borrowing ant financial services and spending money on finance.
Credit seems strange at first glance, but it is actually closely related to our life. The most common activities are bank deposits, loans and so on. Credit not only has a great influence on our life, but also plays a great role in the national economy. Credit is a kind of lending behavior based on credit. Different from other forms of loans, lenders can get loans without mortgage or pledge or guarantee. Loans are guaranteed by credit, so banks and other institutions will investigate and evaluate the lender's reputation when lending money.
4. The role of credit: Credit is the channel for ordinary people to borrow money. When we want to buy a house, a car or receive higher education, if our savings are insufficient, we can borrow money from the bank to solve the urgent need. Generally speaking, the interest on bank loans will not be high, nor will it become an economic burden. It is worth promoting to borrow from banks and avoid lending to usury organizations. Keep prices stable. Prices have a great influence on ordinary people. When prices rise, people's living standards will decline. Credit can play a role in maintaining price stability. All economic entities in the market raise funds through credit, so the total amount of funds remains unchanged, thus avoiding the depreciation of RMB and the price increase caused by the government issuing currency.
The role of credit in enterprises: adjusting the surplus and deficiency of funds. In economic life, funds are not evenly distributed to all economic entities, and the amount of funds needed by different economic entities is different. The same funds may not be enough for one company, but may be redundant for another company. Therefore, credit can appropriately increase the funds of defective companies, reduce the funds of redundant companies and keep the total amount of funds unchanged, so that both companies can operate normally.