The credits issued by the government are incidental to its major functions of making, executing, and interpreting the law. The credits issued by the business man are incidental to the conduct of his commercial operations. The personal credits issued are occasional and for personal consumptive uses. None of these parties specializes in the issue of credits or devotes time primarily to that function. The commercial banks have undertaken this specialized function. Their business is the issue and guaranty of credits for business uses; they are dealers in credits, and are sometimes, although too narrowly, called "manufacturies" of credit. As will appear in the later chapters on banking practices, commercial banks function in many ways which do not bear strictly upon credits, and which concern financial as well as commercial credits. The fundamentals of banking, however, are most easily grasped from the point of view of purely commercial credit operations.