In determining the functions of the loan must be borne in mind that when you change economic substance of the historical development and its changing function. With credit for the cost of redistribution return basis, therefore, takes credit redistributive function. It common to all forms and types of credit. Can only be redistributed value (as in the commodity and in cash), which currently is free. In this case, the owner of the value does not change, it remains lender. The borrower is not using a consumer value granted a loan of things or financial resources. The cost can pererozpolyatysya between different business entities, sectors of the economy and regions of the country and between different countries. Another feature is the creation of credit money in circulation of money - emission function. It only takes a bank loan. It means credit expansion (expansion of credit) and credit restriction (Narrowing of credit) is governed by the amount of money in circulation.