To surrender the right or the purchasing power for the present and receive it in the future times when it becomes a long-term demand in a surplus of value. Of course, when the economy is money-based communities, money and credit securities and securities documents accepted by the banking system constitute the basis of this demand or purchasing power. In other words, the validity of the material and spiritual power of individuals (incorrect or legal) created by the drafting of arrangements with another individual. Credit in foreign transactions and exports is established in this way that the exporter agrees to receive the price of his goods after the shipment or delivery of the buyer provided that the seller has obtained the necessary credit from the competent authorities.