Kredytni relations between commercial banks and borrowers are built on the basis of credit contracts (agreements). In practical activities of banks rozriznyayetsya direct and indirect lending. In the direct kredytuvanni agreement on the loan is concluded directly between creditor bank i borrower. Indirect Lending occurs at purchase bank financial liabilities (usually promissory notes) of the borrower. Usually, the relationship between business credit agreements are voluntary. In a market economy subject to credit relations according to MI Savluk are the most money as a shared resource for which you can buy all the other resources - financial, technical, labor, natural, etc.. Tangible benefits are the subject of credit rare. A characteristic feature of the loan is payment of interest on [20]. The specific manifestation of credit is essentially performing functions such as redistributive, and emission control.