In investigating the problem of debt usury in today's economy the researcher is faced with the need to clearly define the scope of the credit or loan itself. On the one hand, debt as an economic category is a rather narrow and specific object: it encompasses the totality of relationships related to the lending of money, material goods and their performance. On the other hand, these relationships are inconceivable outside of social reproduction in its capitalist form. According to the point of view of classical political economy, reproduction is a constant renewal, a continuous repetition of the production process. Addressing issues of social reproduction as a fundamental economic problem - reproduction in the broadest sense is a process involving the entire chain of production - distribution - exchange - consumption. Formation of the debt load during the process of reproduction (in particular, in its extended form) originally inherent in the Western mode of management. This fact is due to the existence of the credit relationship, which, in turn, is directly determined by the presence of industrial relations in society. Therefore, the link between social reproduction and debt problem is provided through a loan. Credit inevitably generates tangible or financial obligations of the borrower before the lender passes on the costs of some industrial relations participants to others under percentage base payment terms. Modern science knows many approaches to the definition of credit. This category can be treated in a legal sense (like a loan contract), in political economy, using the micro or macroeconomic approach, etc. Economic theory and practice identify two main types of credit: trade credit and bank credit (Anderson & Liu, 2013). The first is a credit assisted by each other in...... middle of the document ......ewofLiterature.pdf.Anderson, R.G. & Liu, Y. (2013). Banks and credit unions: competition does not disappear. The regional economist. Retrieved from https://www.stlouisfed.org/publications/re/articles/?id=2357.Cecchetti, S.G., Mohanty, M. & Zampolli, F. (2011). The real effects of debt. BRI. Retrieved from http://www.bis.org/publ/work352.htm.De Soto, J. H. (2009). Money, bank credit and economic cycles. Auburn, Alabama: Ludwig von Mises Institute. Insley, J. (2011). Credit card interest rates have reached their highest level in 13 years, analysis shows. The Guardian. Retrieved from http://www.theguardian.com/money/2011/may/05/credit-card-interest-rates-13-year-high.Liikanen, E. (2013). The economic crisis and the evolution of the role of central banks. BRI. Retrieved from http://www.bis.org/review/r131128c.htm.Rowlinson, M. (2010). Real money and romance. New York: Cambridge University Press.