The book "Finance, money circulation and credit" by the authors Musin L. A. , Gorina I. In. , Animal T. N. and others is a fascinating and in-depth study that opens up to the reader the world of financial mechanisms, money circulation and lending. This work not only serves as a teaching tool for students of economic specialties, but also represents a valuable resource for practitioners, entrepreneurs and anyone interested in modern financial systems. In the first part of the book, the authors examine in detail the theoretical foundations of finance, explaining how financial institutions function and what roles they play in the economy. The reader plunges into the world of financial flows, learns the principles of budget formation, and also gets acquainted with the basics of financial analysis. Interestingly, the authors are not limited to only dry numbers and formulas, but use real examples and cases, which makes the material more alive and accessible. The second part of the book is devoted to money circulation .. Here, the authors analyze how money as a medium of exchange affects economic processes, and also consider various types of money and their evolution. Readers will be able to learn about the role of central banks, how they regulate the money supply and maintain financial stability. This part of the book will be especially interesting for those who want to understand how global financial events affect everyday life. The third part of the book focuses on lending. The authors explain how credit relations shape the economic environment, what types of loans exist, and how to properly manage credit risks. This information will be useful not only to students, but also to anyone who plans to take a loan or wants to understand how the credit system as a whole works. Readers will be able to learn about current trends in lending, including online loans and microfinance, which makes the material relevant in a rapidly changing financial landscape. The book "Finance, money circulation and credit" will be of interest to a wide range of readers: from students and teachers to practicing financiers and entrepreneurs. It is suitable for those who want to deepen their knowledge in the field of finance, as well as for those who are just starting their way in this field. Students of economic and financial specialties will find in it useful materials for preparing for exams and writing term papers, and practitioners will be able to use the acquired knowledge to improve their financial management skills . Special attention should be paid to the style of the authors . Musin L. A. , Gorin I. In. , Animals T. N. and their colleagues write in an accessible and understandable language, avoiding complex terms and an overly scientific approach This makes the book easy to read and allows readers to focus on the substance of the material. The authors use many examples and illustrations, which helps to better absorb information and apply it in practice. The book also raises important topics such as financial literacy, risk management, and the impact of financial decisions on personal well-being. In an unstable economy and constant changes in the financial world, understanding these aspects becomes especially relevant. Readers will not only be able to expand their knowledge, but also learn how to apply them in real life, which makes this book really valuable. Thus, “Finance, Money and Credit” is not just a textbook, but a real find for anyone who wants to understand the complex but fascinating world of finance. This book will be a reliable companion on the way to financial literacy and success.