The forms of national credit are

The main characteristics of bank credit are: bank credit belongs to indirect credit; In bank credit, banks act as credit media; Bank credit is developed on the basis of commercial credit and overcomes the limitations of commercial credit. Bank credit greatly exceeds commercial credit in scale, direction and duration. The carrier of bank credit is monetary funds. In the future, China's bank credit system should be reformed to make it the dominant basic credit form in China's economy. First of all, we should reform the credit mode and increase the share of secured loans and mortgage loans; Secondly, improve the loan management, implement the system of separating the three powers of loan examination and investigation, and centralize the credit approval power.

National credit is mainly manifested in the debt formed by the state as a debtor. The direct use of national credit is to make up the government's fiscal deficit, and it can also play a role in regulating the economy in economic operation. In the future, China should make full use of the form of national credit, vigorously issue treasury bills and special debts, and play the role of national credit as a financial policy tool to adjust China's economic aggregate and various economic structures.