Credit transactions are one of the options easier to understand finances, even for those who do not have a great knowledge of the financial issue, because they are the most common place in financial institutions. Clear that the term "credit transactions" can give the idea of many different strategies or procedures, when in fact it is a generic for the manner in which an application for a loan is taken. Thus, credit transactions may include individuals when there is a capacity of purchasing power, but this article focuses on the transactions of bank credit for being, as well as standard, take the traditional forms in which this type of financing takes place at other levels.

There is a classification of three commercial interventions in bank credit transactions. The first types correspond to the passive bank loans and are called so because the financial institution decides to adopt a passive maneuver, however, entering an auto-debt with the objective of generating resources to attract more money. In these cases, very rare indeed, the bank or financial institution shall be an amount to the contributors who have voluntarily accepted the request of the credit application of the same bank or financial institution. It is a credit transaction where the customers rated the said institution, in fact, depositors or account holders not participate, being an exclusive procedure of the bank.

The second classification within the banking credit transactions is the actives; these are the ones that generate, and are popular and sadly familiar to users of the accounts, profits at the financial institution. There are many ways in which a bank can generate these assets: charging interest on loans in arrears have not been ordered paid on time, charging of management in credit cards, interest generated by the opening or cancellation of accounts, etc. Active banking credit transactions like you see, includes in his operating a real participation of the card holders, owners of accounts, shareholders and others that have a direct relationship with the bank or financial institution, and seek the direct benefit of these economic groups.

Finally within the banking credit transactions exists the called neutral, which have no other recourse that to submit to the bank or financial institution where these organizations have a role as a fiduciary, providing safe services, collection service, etc. In this case the bank or financial institution does not receive an extra profit, so it is worth asking, and rightly so, if these transactions can be denominated in its own right, of credit.