Credit as a financial term, used in such terms as credit card, refers to the granting of a loan and the creation of debt. Any movement of financial capital is normally quite dependent on credit, which in turn is dependent on the reputation or creditworthiness of the entity which takes responsibility for the funds.

A similar usage is in commercial trade, where credit is used to refer to the approval for delayed payments for goods purchased. Sometimes if a person has financial instability or difficulty, credit is not granted. Companies frequently offer credit to their customers as part of the terms of a purchase agreement. Organizations that offer credit to their customers frequently employ a credit manager.

Credit is denominated by a unit of account. Unlike money (by a strict definition), credit itself cannot act as a unit of account. However, many forms of credit can readily act as a medium of exchange. As such, various forms of credit are frequently referred to as money and are included in estimates of the money supply.

Credit is also traded in the market. The purest form is the "Credit Default Swap" market, which is essentially a traded market in credit insurance. A credit default swap represents the price at which two counterparties will exchange this risk — the protection "seller" takes the risk of default of the credit in return for a payment, commonly denoted in basis points (one basis point being 1/100 of a percent) of the notional amount to be referenced, while the protection "buyer" pays this premium and in the case of default of the underlying (a loan, bond or other receivable), delivers this receivable to the protection seller and receives from the seller the par amount.

From Wikipedia

信用随着时间的发展内涵有所变化。

信用又称为信贷，是指借贷活动。中央银行学中提到控制货币发行量和信用量中，就是指控指借贷规模。

信用是商品经济体系中的一种关系，政治经济学中认为：商品经济的产生发展是信用产生的基础。

原始社会时：资料的调剂，维持生活，产生借贷。

封建社会：货币借贷的形式是高利贷

之后：商业银行普遍建立后，直接货币借贷由以银行为中介的借贷关系所代替。其中，发行股票也是一种信用形式。

不知我以上的解释可否？