Credit Theory, Institutional Research, And Practical Issues

A tale from ZHUANGZI said: a gaffer raised a lot of monkeys. Thinking the daily acorn consumption was 7 liters, when he gave 3 liters on the morning and 4 on the evening, the monkeys were angry. But when he gave 4 liters on the morning and 3 on the evening, the monkeys were happy. In fact, this kind of scene used to be seen in the human social life. If the method of food distribution can been removed before the evening everyday, the man who have got benefits will cry up for this method without credit Thus they will also not obey the credit rule next time. So the credit rule for the man is very important The behavior of not obeying the credit rule is not only nonsense during the process, but also expensive at the result In fact, with the growth of economy, the matters of credit in China are facing great challenges recently. To this matter we should not only survey the theory itself, but establish a series of system for safeguarding as well.This article expressed the viewpoint by the combination of qualitative analysis to quantitative analysis, and it also used the international comparing analysis method and system analysis method. The cores of this issue are three questions: l.what are the whole meaning of credit research foundation of credit and interaction of other subject 2. What are the theoretic structure and real characteristic of credit system. 3. What are the reason, actuality and policy advice of our country's credit matters. There are three parts in this article. The first part is about the research of credit theory, which is consisted by 1 to 3 chapters, including the research of credit theory, the research of credit theory at all times and in all over the world and the research of interaction with other subject The second part is about the research of credit system, which is consisted by 4 to 6 chapters, including the research of credit system, the implement of credit system and the credit industry. The third part is about the research of credit practice, which is consisted by 7 to 8 chapters, including the practice of our country's credit matter and credit system. These three parts are aimedat the three cores of this issue one by one.On the basis of above analysis, this article makes conclusions as followed: firstly, credit is a kind of game rule. It does not only require the person's idea to be connected to the behavior, but also require the justice between right and obligation. So it is submitted to the strict ethic requirement and social system requirement It has own characteristics and action mechanism. From the research of credit theory at all times and in all over the world, it has gained a lot of achievement From the research of interaction with other subject, it is an integrated social science and affected by a series of determinant Secondly, credit system means the system of credit criterion, which is consisted by formal restriction, informal restriction and the implement of credit system. The implement of credit system is consisted by internal restriction, external restriction, information condition and industrialization. Thirdly, our country's credit matter is not only reasoned by the situation of our country's itself, but also reasoned by other laggard system situation. So when admitting the achievement of our country's credit system, we should also work hard on every aspects by the credit attitude.