In economics funds are injected into the market as capital by lenders and taken as loans by borrowers. There are two ways in which the capital can end up at the borrower. The lender can lend the capital to a financial intermediary against interest. These financial intermediaries then reinvest the money against a higher rate. The use of financial intermediaries to finance operations is called indirect finance. A lender can also go the financial markets to directly lend to a borrower. This method is called direct finance.[3]

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Like most modern programming languages and unlike earlier Lisps such as Maclisp, Scheme is lexically scoped: all possible variable bindings in a program unit can be analyzed by reading the text of the program unit without consideration of the contexts in which it may be called. This contrasts with dynamic scoping which was characteristic of early Lisp dialects, because of the processing costs associated with the primitive textual substitution methods used to implement lexical scoping algorithms in compilers and interpreters of the day. In those Lisps, it was perfectly possible for a reference to a free variable inside a procedure to refer to quite distinct bindings external to the procedure, depending on the context of the call.

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Scheme is a very simple language, much easier to implement than many other languages of comparable expressive power.[18] This ease is attributable to the use of lambda calculus to derive much of the syntax of the language from more primitive forms. For instance of the 23 s-expression-based syntactic constructs defined in the R5RS Scheme standard, 14 are classed as derived or library forms, which can be written as macros involving more fundamental forms, principally lambda. As R5RS says (R5RS sec. 3.1): "The most fundamental of the variable binding constructs is the lambda expression, because all other variable binding constructs can be explained in terms of lambda expressions."[4]

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In the R5RS standard, Scheme implementations are not required to implement the whole numerical tower, but they must implement "a coherent subset consistent with both the purposes of the implementation and the spirit of the Scheme language" (R5RS sec. 6.2.3).[4] The new R6RS standard does require implementation of the whole tower, and "exact integer objects and exact rational number objects of practically unlimited size and precision, and to implement certain they always return exact results when given exact arguments" (R6RS sec. 3.4, sec. 11.7.1).[5]

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Scheme's input and output is based on the port datatype. (R5RS sec 6.6)[4] R5RS defines two default ports, accessible with the procedures current-input-port and current-output-port, which correspond to the Unix notions of standard input and standard output. Most implementations also provide current-error-port. Redirection of input and standard output is supported in the standard, by standard procedures such as with-input-from-file and with-output-to-file. Most implementations provide string ports with similar redirection capabilities, enabling many normal input-output operations to be performed on string buffers instead of files, using procedures described in SRFI 6.[30] The R6RS standard specifies much more sophisticated and capable port procedures and many new types of port.

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The R5RS standard specifies procedures exact->inexact and inexact->exact which can be used to change the exactness of a number. inexact->exact produces "the exact number that is numerically closest to the argument". exact->inexact produces "the inexact number that is numerically closest to the argument". The R6RS standard omits these procedures from the main report, but specifies them as R5RS compatibility procedures in the standard library (rnrs r5rs (6)).

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Invocations of macros and procedures bear a close resemblance—both are s-expressions—but they are treated differently. When the compiler encounters an s-expression in the program, it first checks to see if the symbol is defined as a syntactic keyword within the current lexical scope. If so, it then attempts to expand the macro, treating the items in the tail of the s-expression as arguments without compiling code to evaluate them, and this process is repeated recursively until no macro invocations remain. If it is not a syntactic keyword, the compiler compiles code to evaluate the arguments in the tail of the s-expression and then to evaluate the variable represented by the symbol at the head of the s-expression and call it as a procedure with the evaluated tail expressions passed as actual arguments to it.

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