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Then the interest rate theory of the loan is the interest rate theory of neoclassical school, which is proposed to correct Keynes's theory of "liquidity preference". In some ways, the theory of interest rate can be regarded as a synthesis of classical interest rate theory and Keynesian theory. Famous British economist hicks and others argue that the above theory did not consider the factor of income, and therefore unable to determine the level of interest rates, in 1937, and puts forward the is-lm model on the basis of general equilibrium theory. It establishes a theory of interest rates and income at the same time that the four factors of savings and investment, money supply and monetary demand interact. In many tries to define the term 'time'; we very often make use of the very word contained in the definition. Although time is definitely an ever-present concern of humans; this only clearly demonstrates the issue in formulating a clear precise and easily understood definition which we'll all universally agree and accept. The one solution they have produce to aid arouse auto system and to help you individuals to spend some money would be to require more loans and borrow millions or else trillions of dollars. Numerous people think it is a method which may work. While others are concerned as it will press the nation further into debt. This makes us ask the question of, "When would it be directly to obtain money."