Analysis Of The Economics Of The Credit Behavior

Credit is the basis of market economy market economy is also credit economy. In real life, government enterprise and individual constitute the main bodies of market economy .However, In our country, some kinds of anti-credit phenomena comprising breaking or breach of faith come out ,which result in the natural economic development. Therefore, to systematic analysis and searching into the credit problem is too important to solve credit problems.From the point of economy, this article searchs into the credit problem such as the connotation of credit, origin and development, category and related problems. Analyzing the basis of credit and solution with emphasis. Credit originated from Latin, as a kind of ethics criteria and reflected from the economic behavior . Credit possess some specific economic meanings such as reputation and faith, it becomes the economic category reflecting the relationship of human behavior with economy. The earliest credit appeared at the original society , with the improvement of human society , credit developed from commodity credit to currency credit, to all kinds of credit modes. As the reasons of origin of credit ,first one is that as a kind of ethics criteria and reflected from the economic behavior , second one is that estate is necessary for the origin of credit, third one is that contract is the systematic basis of credit , also it's the outcome of repeated game. Now there appear so many anti-credit phenomena in current economic life , for example, products of poor quality can be seen in market, the "triangular" credit among enterprises, anti-credit of government ,which have bad influence in the healthy development of economy. Why appear these phenomena? on the one hand, system is not clear which induce short recognition to economy, on the other hand, owing to incomplete information, man will choose anti -credit in short of familiarity. Because of interest maximal tendency of main body's behaviour and short recognition to the meaning of credit economy, which impair the economic development of our country. As a result , to solve the problems, we should strong the system innovation. On the hand of creditsystem, we should develop individual and enterprise credit system. At the same time we should protect estate system, we also strong the development of law system. Because the government credit is the basis of other credit, we should strong the development of government credit too.