Credit in economics is a special form of value movement, a lending behavior, and a creditor-debt relationship. Credit is different from general commodity exchange: general commodity exchange is equivalent exchange, the ownership of goods is transferred through exchange, both buyers and sellers retain value, and currency performs the function of a means of circulation. Credit is an act of lending. When lending, the value is transferred unilaterally, and the lender transfers the value but retains ownership; when it is returned, the value is also transferred unilaterally, and currency performs the function of a means of payment.

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