Loans and Financial Information


Scientific works in the theories of financial resources as well as credit reporting, according to the specification of the research of these things, are characterized to be many-sided and also many-leveled.

The definition of totality of the efficient relationships developed in the process of formation, distribution and also use of funds, as cash sources is commonly dispersed. For example, in “the general concept of financial resources” there are 2 meanings of funds:

1)“Finances reflect economical connections, formation of the funds of money sources, while distribution and redistribution of national invoices according to the circulation and also use”. This definition is offered relatively to the problems of Capitalism, when cash-commodity connections gain global character;

2)“Finances represent the formation of centralized ad decentralized cash sources, economical relationships fairly with the circulation and also use, which offer for fulfillment of the state features as well as obligations and also arrangement of the conditions of the expanded additional manufacturing”. This definition is brought without showing the environment of its activity. We discuss partially such explanation of financial resources as well as believe pragmatic to make some specification.

Initially, finances overcome the bounds of circulation as well as redistribution solution of the national earnings, though it is a basic structure of finances. Also, buildup and usage of the devaluation fund which is the part of economic domain name, belongs not to the circulation and redistribution of the national income (of freshly developed worth during a year), however to the circulation of currently developed worth.

This most current first looks a part of worth of major industrial funds, later on it is transferred to the expense price of an all set item (that is to the value too) and after its realization, as well as it is set the depression fund. Its source is taken into account just before hand as a depression kind in the consistence of the prepared products expense price.

Second, major goal of funds is much larger after that “gratification of the state functions and also obligations and provision of conditions for the expanded further production”. Finances feed on the state level and also on the makes and branches’ level also, and in such conditions, when one of the most part of the manufactures are not state.

V. M. Rodionova has a various position concerning this subject: “real buildup of the financial resources begins on the stage of circulation, when the worth is recognized and also concrete economical kinds of the recognized value are separated from the consistence of the revenue”. V. M. Rodionova makes an accent of financial resources, as dispersing relations, when D. S. Moliakov highlights commercial structure of funds.

Though both of them offer fairly verify discussion of financial resources, as a system of formation, distribution and also usage of the funds of money sources, that comes out of the following meaning of the financial resources: “financial money relations, which develops while circulation and also redistribution of the partial worth of the national wealth and complete social product, is associated with the topics of the economy and also development as well as use of the state cash money incomes and also financial savings in the broadened additional production, in the material excitement of the employees for contentment of the culture social and various other demands”.

In the guidebooks of the political economic situation we meet the following meanings of finances:
“Finances of the socialistic state stand for affordable (cash money) relations, with the help of which, in the method of structured distribution of the incomes as well as financial savings the funds of cash sources of the state and also socialistic manufactures are formed for ensuring the growth of the manufacturing, increasing the material and also cultural level of the people and for satisfying various other general society requests”.
“The system of development and use of essential funds of cash resources for guarantying socialistic broadened further manufacturing represent precisely the funds of the socialistic society. And the totality of economical connections developed between state, produces and also organizations, branches, areas and separate person base-ding on the movement of cash money funds make monetary connections”.
As we’ve viewed, interpretations of finances made by sponsors as well as political financial experts do not vary substantially.