Credit Interest Theory

Under the condition of modern market economy, credit is the foundation of the market economy, credit benefits have become the starting point and home credit activities of various economic entities to participate in the.In the theoretical research in economics, interest and credit is an important research field in two interrelated, operation rules between the in-depth analysis and study of credit activities and economic growth has become the focus of economic theory. Therefore the choice of credit interests on this research topic is the origin of credit and interest theory and realistic consideration.On the one hand, the credit and interest are two important research fields together unified inspection, broaden the research from the perspective of economic theory, enrich the connotation of economic theory; on the other hand, on the basis of the analysis on the current situation of China’s credit interest practice, for the realization of Chinese credit interest and promote the construction of our harmonious society to provide some strong practical policy recommendations.Based on the concept of credit interests as the core to construct analysis framework of new credit interest theory.Including the theoretical, empirical and countermeasure.In the theory part of some of the basic concept of innovation definition and theory analysis, and made a review of related literature, which provides a logical basis and important theoretical basis for the article discussed; from the formation mechanism of new theory angle of view of credit interests, trying to reveal the internal mechanism of the formation of credit interests from the micro angle, and tries to theoretical research framework of credit interests; to study on evolution from the perspective of credit history, in the analysis of the general rules of the evolution of credit interests, from the point of view of historical materialism analysis of credit benefit the history, present situation and future development trend.Empirical studies in China, as the research object, the realization of China’s national credit interest studied mechanism, development situation from macro aspect, and finally makes an empirical test; from the micro level of China’s credit interest practice carried out empirical research, mainly is the micro credit interests of various credit activities from the perspective of China the main credit activities, status mechanism and development to achieve the interests of commercial interest, credit, credit bank consumer credit interest were generally study; practice study credit interest from around the world to Europe and the United States, Japan and Korea as the object of study, makes an empirical study of these developed countries credit interest practice Countermeasure, based on the current development of China’s credit interests, combined with the development goal of China’s current construction of a harmonious society, using credit interest practice experiences of the developed countries, from the perfect credit system, vigorously develop the interest, credit bank interest credit business and consumer credit interest several point of view put forward some countermeasures and suggestions to improve China’s credit interest realization.Innovations of the paper is mainly manifested in the following three aspects, first, this is the first attempt to define the concept of credit from the economic interests of the wider perspective, and thus arising out of this new concept of credit interests, and tries to establish the analysis framework of new credit interest theory at its core. Second, the credit benefit as the research angle of view, using system analysis method to reveal the formation mechanism of credit interests, and from two aspects of macroscopic and microcosmic Chinese credit interest for empirical research, so comprehensive, system of Chinese credit interest is rare. Third, this paper uses the method of game theory, implementation of the credit system to promote the transaction cost is low and the safeguard of credit interests are analyzed, and a good result, this method is also the innovation of this article.