Finance, Credit, Investments – Economical Categories


Scientific works at the notions of financing and wellbeing, as stated by the requirements of this research thing, are distinguished to be Manysided and many-leveled.

This is of totality of these economic relations made at the procedure of creation, supply and using financing, as currency resources is widely dispersed. By Way of Example, at “the general theory of finances” you will find just two definitions of financing MONOGRAFIAS PRONTAS:

This definition is given comparatively to the States of Capitalism, when cash-commodity relations profit international personality;

This definition is attracted without revealing the surroundings of its own actions. We share partially such excuse of financing and also think expedient to generate a specification.

To begin with, financing over come the boundaries of supply

redistribution service of their federal cash flow, though it’s a fundamental base of financing. Additionally, creation and use of this depreciation finance that’s the component of financial realmname, belongs not for the supply and redistribution of their federal income (of newly organized value in annually), however into the supply of already established value.

This most current first is apparently a portion of significance of commercial capital, after it’s transferred into the fee price of a willing product (which will be into the worth too) and following its recognition, and it’s put the melancholy fund. Its origin is considered beforehand for a melancholy kind at the consistence of their willing products cost price.

Secondly, the chief objective of financing is a lot wider afterward “fulfillment of the state functions and obligations and provision of conditions for the widened further production”. Finances exist on the country level and also on the branches and leaves’ level too, and in such conditions, when the most part of the manufactures are not state.

V. M. Rodionova has a different position about this subject: “real creation of their financial funds begins on the phase of supply, once the value is accomplished and also tangible economic kinds of those accomplished value are separated by the consistence of their profit”. Though both of them give quite substantiate discussion of finances, as a system of formation, distribution and usage of the funds of money sources, that comes out of the following definition of the finances: “financial money connections, which creates in the practice of supply and redistribution of their tight worth of their federal riches and overall social solution, is linked to the areas of this market and creation and using this nation cash incomes and economies inside the widened farther production, at the material stimulation of their employees for pride of their society societal and other asks”.

“Finances of this socialistic state represent economic (cash) connections, with the assistance of that, at the means of projected supply of their incomes and savings that the capital of currency sources of this country and socialistic produces are formed for strengthening the rise of the manufacturing, and raising the substance and cultural level of their people and also for fulfilling additional overall society asks”.
“The machine of usage and creation of mandatory funds of cash tools for guarantying socialistic widened further production reflect precisely the financing of their socialistic society. And the totality of economic relations arose involving country, generates and associations, branches, separate and regions citizen in line with the movement of cash funds make monetary relationships”.

If refuse the preposition “socialistic” in the definition of finances, we may say, that it still keeps actuality. We meet with such traditional definitions of finances, without an adjective “socialistic”, in the modern economical literature. We may give such an elucidation: “funding represent money resources of usage and production, also money relationships looked from the procedure for dispersing worthiness of organized economic product and domestic riches for creation and additional production of their bucks incomes and savings from their economic areas and nation, rewarding of the employees and gratification of their social asks”. in this elucidation of finances like D. S. Moliakov and V. M. Rodionov’s definitions, following the traditional inheritance, we meet with the widening of the financial foundation. They concern “supply and redistribution of their value of generated cheap solution, and the partial supply of this worth of domestic riches”. This latest is very actual, relatively to the process of privatization and the transition to privacy and is periodically used in practice in different countries, for example, Great Britain and France.

“Finances – include resources resources, financial funds, their movement and creation, supply and redistribution, usage, additionally economic relationships, that can be conditioned by intercalculations involving your economic areas, movement of resources resources, currency flow and usage”.
“Finances would be the machine of economic connections, which can be associated with business production, supply and using savings”.

We meet with absolutely innovational definitions of finances in Z. Body and R. Merton’s basis manuals. “Finance – it’s the science concerning the way the people today lead spending ‘the deficit cash resources and incomes in the definite period of time. The financial decisions are characterized by the expenses and incomes which are 1) separated in time, and 2) as a rule, it is impossible to take them into account beforehand neither by those who get decisions nor any other person” . “Financial theory consists of numbers of the conceptions… which learns systematically the subjects of distribution of the cash resources relatively to the time factor; it also considers quantitative models, with the help of which the estimation, putting into practice and realization of the alternative variants of every financial decisions take place” .

These essential conceptions and qualitative units are utilized at every degree to getting financial conclusions, however at the most recent definition of financing, we fulfill the subsequent philosophy of this financial base: chief use of the financing is at the gratification of these public’s orders; the areas of economic activities of all kinds (firms, additionally state associations of every degree) are led at fulfilling this simple role.

For the aims of the monograph, then it’s very important to compare wellknown definitions regarding financing, investment and credit, to choose just how and how much it’s likely to incorporate the financing, credit and investments in to the main one total part.

Some research thing that charge would be that the comprising section of financing, if it’s discussed from the job of nature and kind. One different, more varied group demonstrates, that the economic kind of charge is present parallel into some economic sounding financing, through that it underlines impossibility of their credit presence from the consistence of financing.

N. K. Kuchukova underlined the liberty of this kind of notes and credit that it’s merely its “characteristic feature the turned movement of the value, which is not related with transmission of the loan opportunities together with the owners’ rights”.

N. D. Barkovski replies that functioning of money created an economical basis for apportioning finances and credit as an independent category and gave rise to the credit and financial relations. He noticed the Gnoseological roots of science in money and credit, as the science about finances has business with the research of such economical relations, which lean upon cash flow and credit.
Let’s discuss the most spread definitions of credit. in the modern publications credit appeared to be “luckier”, then finances. For example, we meet with the following definition of credit in the finance-economical dictionary: “charge would be your loan from the kind of commodity and cash with all the terms of arriving, usually, by paying percentage. Credit represents a sort of movement of their loan funding and also conveys economic relations between the lender and debtor”.

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