rio grande jewelry findings wholesale What is the relationship between national credit and bank credit?

silver opal jewelry wholesale I. The contact between national credit and bank credit: State credit will affect bank credit, and bank credit will not affect national credit. At present, the two have a certain connection in our country. Because the bank is responsible for the function of a government withdrawal machine, the two are sometimes mixed.
. The difference between national credit and bank credit:
1. Different properties
State credit refers to a credit activity conducted by the state as the main body. In accordance with the principles of credit, the state and foreign currency holders are borrowed from domestic and foreign currency holders. Therefore, state credit is a national debt refer to the credit of the state as a credit for one party.
The bank credit refers to a form of credit with banks as an intermediary to raise monetary funds in the form of deposits and other methods to provide funds for various departments and enterprises in the national economy.
2, different features
The bank credit is provided in currency form. The bank loan is not a commodity capital in the process of industrial capital cycle, but the temporary idle currency capital is separated from the industrial capital cycle.
The boring borrowing of bank credit is monetary capitalists and functional capitalists. At all stages of the industrial cycle, the dynamics of bank credit are often inconsistent with the dynamics of industrial capital. The essence of bank credit is that banks as intermediaries make monetary capital owners that occur between banks and functional capital.
If financial distribution, whether it is fiscal revenue or fiscal expenditure, it is generally free of charge, and funds raised or used in the form of national credit are not only paid, but also pay interest. National credit funds are allocated in the form of credit. Therefore, the loan of credit funds must be recovered on schedule, used in turn, and guarantees the integrity and proliferation of credit funds itself.
The normal fiscal expenditure is based on the standards, systems and budgets formulated by the unified state of the state. The placement of national credit funds is not violated by national policies. And ensure the integrity and value -added of funds. Therefore, in terms of loan use, selection of loan objects and projects, it has a certain selectivity and flexibility than other fiscal expenditures.
3, different sources of funds
The sources of funds for credit in countries include both social temporary idle funds and fiscal budget funds. State credit takes and implement national policies as its own responsibility, and does not take profit as the only goal. State credit guarantees are neither property nor yes, but the reputation of the government.
The source of credit funds for banks mainly includes its own funds. Western commercial banks are generally composed of stock funds and surplus accumulation. Chinese professional banks have their own funds.
C deposits, from the deposit period and use, can be divided into current deposits, regular deposits, special deposits, etc. From the subject of deposit, it can be divided into corporate deposits, government deposits and personal deposits; At first, the general commercial banks could be issued. After the establishment of the central bank system, its issuance right was monopolized by the central bank.

The expansion information:
The positive role of bank credit:
1. Credit promotes the optimization of funds and improves the efficiency of funds. Through borrowing, funds can flow to projects with higher investment income, so that investment projects can get necessary funds, and fund surplus units can obtain a certain amount of benefits; through credit adjustments, resources can be transferred to places where these resources are needed in time. The resources are used to maximize the use.
2, accelerate the turnover of funds and save the cost of circulation. Since credit can concentrate and put them out, a large amount of funds that were originally in a relatively static state movement, this is undoubtedly a huge role in accelerating the funds of the entire society. Save a large amount of circulation costs and increase capital production investment.
3, credit accelerates capital accumulation and concentration. Credit is a powerful leverage for concentrated funds. The credit system has concentrated the public funds of society into a few enterprises, expanding the scale of the enterprise.
4, credit effectively adjusts the national economy. The function of credit regulating the economy is mainly manifested in the use of national currency and credit systems to formulate various financial policies and financial regulations, and use various credit leverage to change the scale of credit and its movement trends, thereby adjusting the national economy.
5. Credit promotes the development of international trade and the formation and expansion of the world market.
Reference materials:
Baidu Encyclopedia-National Credit

Baidu Encyclopedia-Bank Credit