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Fig. 16. Demand for capital Fig. 17. Supply of capital

Presented by the graph in Fig. 18 allows one to understand the category of interest as a kind of equilibrium price: the point of intersection of Dc and Sc, equilibrium in capital markets Dc = Sc. At the intersection of E, equilibrium in the capital market.

r Sc

r - the rate of interest

ro E I – investment resources

E Dc

I 0 I

Fig. 18. Equilibrium in the capital market

Interest is the price that people pay for something to get resources now rather than wait until as long as they earn the money with which these resources can be purchased. At point E offers a match return.

Interest rate is the ratio of capital income on loan, expressed as a percentage (given in 1000 and received an annual income of 50, the interest rate is 50/1000 * 100% = 5%. Higher the risk, the higher the interest rate. Percentage fulfills an important task of efficient allocation of resources in a market economy, the choice of the most profitable of possible investment projects.