| Credit system is necessary in modern society as basis for market economy. The construction of credit system in China is still in its origin at present. It's a significant research to analyze the definition,history,theory and efficiency of credit system,to study the experience of international credit system,to discuss the present situations and problems of credit system in China,and to put forward the useful advices.This thesis is composed of four parts.Part I is general analysis of credit system. Credit system is classified by its characters and functions,and is a comprehensive system with its outside management and intermediary organization. In market economy, credit mechanism is composed by credit consciousness,credit behavior,credit relation and etc. The history of credit system is tightly related to the occurrence and development of credit,and it presents various characters during different phase of human history. Well-developed credit system can promote economic development because well-developed credit system is the inherent requirement of market economy, the basis of and the protection for the healthy development of market economy.Part II reviews the theory of credit system. Credit system has profound idealistic and theoretical basis with the development of human society. Marx gives a deep description of credit and credit system when he researches the relationship between commodity and money,and makestheoretical basis for adjustment of social resource,circulation of capital,reform of corporation and construction of credit system in modern society. Neoclassic economics makes credit and credit system as the basis and protection of economy,and put out various relationships in researching credit system during the development of economic society. Modern economics also gives detailed analysis of credit system. Credit system is the criterion and protection to credit activity and relationship by institutional economics. From information economics,asymmetric information is caused by moral hazard and adverse selection,and information reporting system should be set up to reduce this phenomenon. From game theory,when actors whose decision is affected by other's strategies make their own profit and have an equilibrium,the actors' strategy is the optimum one. The third part is the characteristic and comparative analysis of credit system of U.S.A, Germany & Japan. In a sense, modern market economy is a kind of credit economy, the highly developed credit system has exerted an active and a profound influence on society, especially on preventing financial risks and improving the efficiency of allocation of market resources. The highly developed countries all generally have set up perfect credit systems while the developing countries also have being built their credit systems since several years ago. Developed western nations have three models of credit systems, The United States , Germany and Japan are presentatives of them. As for China, we are on the thredshold of constructing our credit system, it can bring an implication and reference to us from comparative analysis on credit system of U.S.A, Germany & Japan.The National credit system of the United States operates on an complete marketable way. Centralized credit bureaus, or consumer reporting agencies, have evolved to provide a repository of credit information that can be accessed by creditors. The primary purposes of the Fair Credit Reporting Act (FCRA )are to ensure fair and accurate credit reporting and to protect consumers' privacy. It promotes the national credit system in important ways. Most significantly, the availability of standardized consumer reports allows banks to make prudent credit decisions efficiently wherever they do business and wherever their customers live and work. For Europe, especially in Germany, the central bank has built credit register system, which plays an important role in national credit management. In Japan, credit institutions with a membership roster which set up by bank associations...
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