The main role of the International Monetary Fund is auditor, whose job is to record the trade figures and debts between countries, and to preside over the formulation of international monetary and economic policies. As for the World Bank, it mainly provides long-term loans. The World Bank works like an investment bank, issuing bonds to companies, individuals or governments and lending the proceeds to recipient countries.

The International Monetary Fund was established to stabilize the currencies of various countries and supervise the foreign exchange market. Since the IMF is not a bank, it will not lend. However, the International Monetary Fund has reserves for the country to borrow and stabilize the currency in the short term; The practice is similar to current account overdraft. The borrowed money must be repaid within five years.

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