arises when a company wants to implement commodity- manufactured goods, but the buyer has no money for its purchase. In such the goods may be voluntarily transferred to the buyer supplier on credit. This transfer may be executed a promissory note (the debt obligations). In exchange provider (payee) is in bank credit, while Inter-Farm Credit transformed into bank. Commercial credit has the following disadvantages: limited in time scale; sometimes forced by the supplier in the nature of deferred payment Due to the financial situation of the buyer, the risk to the supplier, major impact on the banking sector in discounting bills. Consumer credit reflects the relationship between the lender and the borrower of about end-financing needs.