使用借贷是实物契约中的一种，表现为出借人将某物借给借用人无偿使用，借用人负有按照约定的期限返还该物品的义务。该契约随着出借人向借用人交付被借物而发生效力。
如能更简便使用借贷就可以降低储蓄。
预约合同最早存在于买卖、使用借贷、消费借贷等个别契约之中，后被有些国家扩及于所有契约。
It originally consists in specific contracts such as sales contract; loan contract and so on, and it expands to all of contracts latterly by some countries.
众所周知，银行采用部分准备金制度，这意味着银行家可以使用存款进行借贷活动，但是这些贷款却只有部分得到了真正货币储备的担保。
It is well known that Banks engage in fractional-reserve lending, meaning that bankers use their deposits in lending operations, with only a part of their loans covered by money reserves.
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