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信贷是以银行为出发点和归流点,以偿还和收取利息为条件,以取得最佳经济效益为目的的货币借贷形式。信贷资金运动过程是二重支付、二重归流的特殊价值运动,它既在再生产过程之中,又在其外。信贷资金首先由其供给者支付给使用者,这是第一重支付,然后由使用者转化为经营资金,用于购买原料和支付生产费用而投入生产,这是第二重支付。经过再生产过程,信贷资金在完成生产和流通职能后,又流回到使用者手中,这是第一重归流,最后使
Credit is a form of monetary borrowing with the purpose of obtaining the best economic benefits from the point of view of banks as a starting point and reunification point, on the condition of repaying and charging interest. The process of credit fund movement is a special value movement of double payment and double return. It is both in and out of the process of reproduction. Credit funds are paid first to their users by their suppliers, which is the second payment, which is then converted into operating funds by users, used to purchase raw materials and pay production costs for production. After the reproduction process, the credit funds flow back to the users once the production and distribution functions are completed. This is the first reunification and the last