Study Of The Relationship Between The Formation Of The Modern Credit System And Demand

I .Credit and credit system(A) Conception of credit. By the term "credit", we mean prestige and paying off ability. The ultimate function of credit is regulating , regulating demand and supply in the form of debt and credit.(B) Production and developing process of credit. Credit is an inevitable outcome of commodity economy.(C) Taking shape of credit system. Credit system we mean playing rule about system., mechanisnu law> regulations and economy morality culture. Credit system is based on money system.(D) Symbol of modem credit system. Main symbol of modern credit system is a complete set of facilities and modernized instruments and a integrated structure of credit system and standardized credit relationship.(E) Functions of modem credit system in market economy production. Credit system promotes to redeploy capital and enhance averaged rate of profit .Credit system cut down circulation expenses, raise social labor productivity. Credit system is a lever of capital accumulate. Credit system promotes mode of production to develop. Credit can standardize market order. Credit order can enhance economy move efficiency, can promote government bring into macroscopic adjust target.In order to perfect socialist credit system , the major tasks we must accomplish are: Cultivate and perfect socialist capital markets; Commercialize specialized bank; Establish and perfect enterprises and individual credit system.II .Modern credit system and demand form(A) Developed credit system promotes the growth of investment demand. Developed credit system can accelerate fund the maximum flow and assign with reason, can enlarge production and investment scale ,can improve fund using efficiency.(B) Developed credit system promotes the growth of consumption demand. Credit takes place can promote purchase power ,can enlarge production and employment.(C) Credit system promotes savings transform into investment. Saving supplying translate into investment demand have indirectfinancing channel and direct financing channel. The former is the bank's function, namely focusing fund and assigning fund ,the latter mostly pass securities business to realize fund relieve. They all need credit institution ensure saving transform investment.(D) Credit contract causes social total demand reduce. Credit contract to employ currency supply strain ,bring price to fall, merchant shall reduce stock in trade and order .Consumers' earning and payout debase at large ,employ society demand reduce more.(E) Extend credit trade can stimulate social total demand rise. Extend credit trade can extend market scale, bring production scale is extended, thereout can extend indirectly employment level, draw inner demand market .Credit instrument using abroadly, action is evidence for extending one country collectivity economy scale.III.Our country credit system present situation(A)0ur country individual credit system present situation. Our country individual credit resource is lack of thinking much of over a long period of time. Our country individual credit there is a lack of witness, It is difficult to unite, it is unable to be judged. Now our country consumption credit hang behind very much. It is dissymmetry strictly with upgrowth production credit. Our country inhabitants are lack of credit ideas.(B)Our country enterprises' credit system present situation. Now our country enterprises' credit system chaos. In fund.credit side, our state enterprise and collectivity enterprise depend on high bank loan, the ability which enterprise pay band loan is infirmness. Civilian enterprise have not fund credit basically. Our country commerce credit hang behind, enterprise commerce credit standing is short of.(C)Our country private' credit system present situation. Our country private' credit organise system is not criterion. Our country private' credit institution developing get behind. Our country private' credit exists local government administration or force using. Our country private' credit organise inside mange chaos. Our count...