Pulning paydo bo‘lishi funksiyalari kredit pullar va ularning turlari Reja: Fanning predmeti va vazifalari. Pulning paydo bo‘lish sabablari

Tayanch iboralar: qiymat, maxsulot, tovar, ekvivalent, munosabat, xususiyatlar.
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5. Loans and their types
Credit money refers to signs of value that are created on the basis of credit relations and fulfill the means of payment.
Credit money does not have its own independent value, because abstract necessary labor is not used to create it. Credit money differs from paper money in that it represents value at the same time, and it is a credit document that reflects the economic relationship between the lender and the borrower. One of the main types of credit money is a promissory note.
A promissory note is a written obligation of the debtor (ordinary promissory note) or the creditor (promissory note) to pay the specified amount at the specified time and place.
There are ordinary and draft types of commercial bills. In addition, there are financial promissory notes associated with the loan of a certain amount. One type of financial bill is treasury bills, in which the state participates as a debtor.
There are also types of promissory notes, such as friendship and bronze promissory notes.
A banknote is one of the leading representatives of credit money and is issued by the Central Bank by accounting for promissory notes.
In the past, a banknote was an open-ended liability that could be handed over to the bank at any time and exchanged for gold or silver for the amount indicated on it. A promissory note differs from a banknote in the following features:
- the promissory note represents a certain period (a promissory note with a period of 3-6 months), the banknote is not limited to a certain period.
- the state (state bank) guarantees its payment on a banknote, if the party issuing the bill guarantees its payment.
A banknote differs from paper money in the following ways:
• according to the origin, paper money was mainly based on the function of a means of transaction, banknotes originated on the basis of the function of a means of payment:
• according to the exchange, banknotes were previously exchanged for gold and silver, and paper money was never exchanged for metals;
• paper money is different from banknotes in terms of issuance (treasury bills are issued by the Ministry of Finance, banknotes are issued by the Central Bank), etc.