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作为一个经济范畴,信用是指借贷关系。这种经济关系的内容是以收回本利为条件的付出,或以归还本利为条件的借人。虽然借贷的对象可以是实物,也可以是货币,而且实物借贷曾经是古代自然经济条件下的重要信用形式,但是,在现代市场经济中,信用是与货币不可分割地联系在一起的。因为,随着金属货币为银行券和存款货币所取代,信用货币已经成为流通中货币的基本形式。事实上,在现代市场经济中,任何独立于信用活动之外的货币制度已不存在,同时任何信用关系都以货币运动为内容。
As an economic category, credit refers to borrowing. The content of this economic relationship is paid on the condition of recovering the profit or borrowed on the condition of returning the profit. Although the object of borrowing can be both physical and monetary, and physical borrowing was once an important form of credit under the ancient natural economy, credit was inextricably linked with the currency in modern market economy. Because, with the metal currency replaced by bank notes and deposit currency, the credit currency has become the basic form of currency in circulation. In fact, in the modern market economy, any monetary system independent of credit activities no longer exists and at the same time any credit relationship is based on the monetary movement.