In the case of limited capital market and other financing channels, the rationality and appropriateness of regional allocation of credit funds plays an extremely important role in regional economic development. Next, please appreciate the movement characteristics of the credit funds I collected and arranged for you online. The movement characteristics of credit funds
The movement characteristics of credit funds are as follows: ① Expenditure based on repayment and conditional transfer; ② Combining with the production and circulation of social material products; (3) Only when economic benefits are generated can a virtuous circle be achieved; (4) The movement of credit funds is centered on banks. Therefore, a, b, d, e, options meet the meaning of the question. Credit fund is a special value movement of double payment and double return. Its movement is one of the important signs that distinguish it from financial funds, enterprise-owned funds and other funds. Financial funds, enterprise-owned funds and other funds are all one-time fund movements. Characteristics of credit funds
(1) paid, that is, deposits are paid, loans are borrowed and repaid, and certain interest must be paid, and they cannot be occupied without compensation;
(2) liquidity: deposits are continuously deposited, withdrawn, re-deposited and re-withdrawn, and loans are continuously issued, recovered, re-issued and re-recovered, which can accelerate the turnover of funds;
(3) Accommodation. From a macro perspective, banks can flexibly adjust the surplus and deficiency of social funds in time and space, and manage to accommodate supply and demand. The main significance of credit funds
Credit funds refer to the funds used by banks in socialist countries to issue loans. The collection and use of credit funds take the form of paid deposits and loans, which are characterized by borrowing and paying interest on time.
in China and other socialist countries, the source of bank credit funds consists of four parts: ① the bank's own funds. ② All kinds of deposits. ③ Funds entrusted by each unit to the bank for settlement. (4) currency issued. All kinds of deposits are the main source of credit funds. Bank's own funds are a part of credit funds, which include funds allocated by the state from the budget (that is, credit funds) and profits retained by banks from loan interest and other business income in accordance with state regulations. The use of credit funds is mainly used for issuing various loans, and a small part is used for gold and silver reserves and foreign exchange reserves. State-owned enterprises are the main targets of bank loans.
the increase and decrease of credit funds have certain regularity. The increase or decrease of the bank's own funds is determined by three factors: the bank's profit, the rate at which the bank pays taxes and profits to the finance, and the amount of additional (or withdrawn) credit funds from the finance to the bank. The growth rate of various deposits and settlement funds entrusted by units to banks mainly depends on the growth scale of production and commodity circulation. The size of currency circulation mainly depends on the growth rate of commodity circulation and the speed of currency circulation. The use of credit funds is mainly based on the requirements of national economic policies and national plans, combined with the specific situation of market capital supply and demand, and mastered and used within the possible scope of credit funds sources.
In China, credit funds are the main source of liquidity for enterprises owned by the whole people, and also an important source of funds for enterprises owned by the collective. Whether the use of credit funds is appropriate is of great significance to the development of the national economy. Therefore, we must strictly control the amount and investment of credit funds. Proper control of the amount of credit funds is conducive to the stability of the currency and the overall balance of supply and demand of commodities in the market. Because the amount of credit funds directly affects the money supply to the national economy, it is necessary to determine the scale of loans on the premise of ensuring that the money circulation meets the needs of production and commodity circulation. Proper control of the investment of credit funds is conducive to improving the national economic structure and macroeconomic benefits, and to supporting and promoting the development of various departments, industries and enterprises.
Since China's credit funds and financial funds are all arranged and used by the state, whether the fiscal budget is balanced or not has an important impact on the balance of credit funds. When the fiscal revenue and expenditure are basically balanced and there is a slight surplus, the sources of credit funds are relatively abundant; However, when the fiscal revenue and expenditure is in deficit, the financial borrowing and overdraft from banks often bring difficulties to the balance of credit funds, resulting in the abnormal expansion of credit and the abnormal increase of money supply. Therefore, maintaining the comprehensive balance of fiscal revenue and expenditure and credit revenue and expenditure is of great significance to the national economy.