初级经济师辅导资料15（Primary economist guidance materials 15）.doc

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初级经济师辅导资料15（Primary economist guidance materials 15）.doc

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初级经济师辅导资料15（Primary economist guidance materials 15）

初级经济师辅导资料15（Primary economist guidance materials 15） Credit and financial intermediation First, the connotation and types of credit (1) definition, prerequisite and essential characteristics of credit 1. definition of credit (mastery) Credit refers to all the economic phenomena of creditors right, debt and its performance, and it is the surplus of the fund that lends a certain amount of money to the fund shortage. Credit is a loan based on repayment and interest payments. 2., the premise of the existence of credit (familiar) Credit has existed for two years in the form of physical borrowing and currency lending. The basic premise of credit is the social division of labor under the condition of private ownership and the emergence of a large number of surplus products. Private ownership is the common premise of money and credit. 3., the essential characteristics of credit (mastery) (1) credit is not an ordinary lending behavior, which is based on the repayment and payment of interest. (2) credit is a special form of value movement, and is a unilateral value movement. (3) credit is a kind of relation of creditors right and debt, and it is the unity of creditors right and debt. (4) credit is an economic category closely related to commodities and currencies. Credit in different societies reflects the economic relations of different societies. [example 1, radio questions] is the common premise of money and credit. The emergence of A. commodity economy B. social division of labor C. private ownership D. emergence of surplus products [answer]C [example 2 [radio] [2007] credit is a conditional lending behavior, on the condition that. A. repayment and interest payments B. the existence of the central bank The existence of C. commercial banks The existence of the D. securities market [answer]A [3] multiple-choice examples? (2006) credit as an economic category, for a correct understanding of the essence of the (). A. it is based on the repayment and payment of interest B. it