---

Credit is associated with all processes of social reproduction, and the credit market became a component of any economic system. Credit system of any state is constantly changing. A question of theory and practice of credit are constantly in the spotlight not only professionals but also the general public without losing their relevance in all periods. The credit sector related and depends on the system of social reproduction in the economy and actively influences it. In particular, the development of credit relations between them and the credit market turnover contributes to cost savings increases and activates processes of consolidation and centralization of capital, facilitates the redistribution of money and capital in the economy. The credit market has not only a positive impact on economics, but also may contribute to exacerbation of the crisis.Credit relations and credit markets are not stable and unchanged. Credit systems, types of credit providers and credit products are an evolution in the credit markets.The concept, role and factors of credit markets,types and characteristics of credit provider and products are studied in this textbook

---

Glushchenko Svitlana, associate professor, candidate of economics National University of "Kyiv-Mohyla Academy", Kyiv, Ukraine

---