Economic Analysis On Credit Problem

The credit problem is not only the new domain in the investigation of economic theory but also the great puzzle during the operation of practical economy. With the establishment of socialism market economy, government/enterprise and individual constitute the main bodies of market. However, some kinds of anti-credit phenomena, comprising breaking promise or breach of faith come out, result in the natural economic development in our country. Therefore, the systematic analysis to the credit problem is not only practical demand but also the unavoidably important subject in the economics investigation.The article that borrows some reasonable factors from western economic theory under the guidance of Marxism; adopts methods of the integrating history with logic, the combination of normal analyze and living example and so on., investigates the essence connotation/ construction feature and value significance deeply and systematically from the point of economics; accordingly set up the guidance thought for investigating the credit and related problems in the background of market economy.It is acknowledged in this article that: the meaning of economy comprises one kind of cultural economy from the broad sense. As a kind of ethics criteria and reflected from the economic behavior, credit possesses some specific economic meaning and becomes the economic category reflecting the relationship of commodity currency with the development of commodity economy. The specific category does not only bring with certain value but also becomes one kind of resource itself, which is indispensable to development of market economy. During the transitional period, the widespread anti-credit behaviors come forth because of interest maximal tendency of main body' behavior and short recognition to the meaning of credit economy, which impair the economic development of our country. There are a lot of causes, including history/system/recognition and administration. Therefore, to solve the problem depends much on the concept innovation/system innovation/situation innovation/administration innovation.