SISTEMAHOI QARZI sistemahoi krediti, 1) dar manoi vaseash majmui munosibathoi krediti, shakl va metodhoi kriditiand, ki dar doirai in va yo on mamlakat vujud dorand (nigared Kredit). 2) Dar manoi mahdudash sistemai muassisahoi kreditii in va yo on mamlakat (bankho, jamiyathoi sugurtavi, kassahoi amonati va gayra)-ro guyand.