Monetary Value of Credit

In the financial world both money and credit are interchangeable. One can stand in for the other creating a very necessary substitute when needed. This happens many times in consumer and business financial transactions everyday.

For the sake of this article money is credit and credit is money. Much effort is put forth in legally obtaining and pursuing money thru some worthwhile endeavor. The same is true for credit and credit

history. It requires time and consistent effort to create and maintain a healthy thriving credit history that will be used at some point as a form of intangible currency in the marketplace.

Some still maintain that cash is king, however in the U.S. Economy in many transactions credit is the only medium used. Getting a hotel, renting a rental car and all online e-commerce use credit as a preferred source of payment. Most if not all businesses extend credit whether buyers or suppliers via procurement channels and some accounts receivables.

It is quite evident now and the case is solid and validated that credit is another form of money or currency. Credit has immense monetary value and a preferred status the world over. The is well understood and accepted practice in the banking and lending arenas.

What is the best means by which consumers can gain from the intangible monitization of credit? A first goal would be to discover the monetary value of their credit.

What would be the source of discover? Use a open free market auction and bidding process, thus allowing the free market to establish the value of ones credit monetary value in real time.

Who would qualify as bidders? Banks, lenders, mortgage brokers and credit card issuers, etc.

Are there immediate benefits for the consumer? Yes!

• A free no hassle user friendly auction and bidding process

• Empowering consumers to leverage their credit in the marketplace

• Possibly lowering interest rates through online auction bidding

• Defining the true monetary value of consumers credit

• Helps consumers save money

What are the benefits for the financial community? Create a paradigm shift in the way lending is carried out within the consumer space. Offer innovative solutions, meaning give the consumers what they really want and that is value. Make every transaction a value transaction therefore using processes that produce fair value transactions (FVT).

Once consumers experience a whole new world of fair value transactions(FVT) this would become a catalyst to motivate and inspire all consumers to maintain more viable credit histories. This would have a generational effect as well particularly with young future users of credit. End result a win-win for all consumers and lenders.

Question about monetary

How does expansionary monetary policy promote economic growth in the economy?
How does expansionary monetary policy promote economic growth in the economy?
Here is what I know:
Expansionary monetary policy promotes the growth of money supply by purchasing government bonds, lowering the reserve requirement, and lowering the federal funds interest rate.
But how does expansionary monetary policy expand economic growth? I dont get that at all, help please