The book “Finance and Credit”, created by the team of authors, is a deep and multifaceted study that covers key aspects of the financial system and lending. This edition will be a real guide for students, specialists and anyone interested in economics and finance. In the modern world, where financial literacy is becoming an integral part of a successful life, this book offers readers not only theoretical knowledge, but also practical recommendations that will help to understand the complex issues of financial management. The main theme of the book is the study of financial mechanisms and credit relations that form the economic basis of society. The authors examine in detail such important aspects as the types of loans, the principles of their provision, as well as the impact of financial decisions on personal and corporate budgets. The book also raises questions about how to properly manage debt, how to choose the best loan products, and how to avoid common mistakes when dealing with finances. Readers will be able to learn about current trends in finance, such as digital currencies and online lending, which makes the publication especially relevant. Who can like this book? First of all, it will be of interest to students of economic and financial specialties who seek to deepen their knowledge in this field. It will also be useful for young professionals who want to build a career in finance, as well as for entrepreneurs who need to understand the basics of lending for successful business. Even those who just want to improve their financial literacy and learn how to manage personal finances will find many useful tips and tricks in this book. The topics raised in the book go beyond simply describing financial instruments. The authors address issues of ethics in finance, the social aspects of lending and the impact of financial decisions on society as a whole. This allows the reader not only to gain practical knowledge, but also to think about the broader consequences of their financial decisions. The book highlights the importance of accountability in financial matters and the pursuit of transparency in credit relations. The style of the authors is distinguished by clarity and accessibility, which makes complex financial concepts understandable even for those who are just beginning to get acquainted with this topic. Each section of the book is logically structured, which makes it easy to navigate the material and find the necessary information. The team of authors includes experts in the field of finance, which ensures the high quality and relevance of the data presented . If you are looking for books that will help you understand finance and credit, Finance and Credit will be an excellent choice. It may be comparable to such works as John Hull's Fundamentals of Finance or Richard Templar's Personal Finance, but it offers a unique perspective on lending and financial management. Do not miss the opportunity to deepen your knowledge and become more confident in the world of finance - this book will be your reliable assistant along the way.