Credit agreement is one of the most important bank works and together with deposit agreement constitutes the core of bank activities. The credit agreement is an instrument of country’s economic policy that implements many macro- and microeconomic functions. From legal aspect, credit agreement has been developed from the agreement on money loan. In its further economic development and in the conditions of mass conclusions in business practice, credit agreement‘s loan form in the real nature has gradually transformed into a consensual and bilateral mutually-obligatory contract where bank is obliged to allow the user a specified money amount for their use and where the user is obliged to use the allocated money amount, returns it and pays an interest.

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