Credit generally refers to the form of value movement based on repayment and interest payment, and it is an act subordinate to the relationship between commodity and money. Generally, credit is divided into broad sense and narrow sense, as follows:

1. Credit in a broad sense refers to the general name of credit activities with banks as the intermediary and deposits and loans as the main body, which usually includes loans, deposits and other settlement businesses.

2. The narrow sense of credit refers to bank loans, that is, the debtor obtains loans only by his own reputation without providing collateral or third-party guarantee, and the borrower's credit degree is used as repayment guarantee.