Credit Management In The Financial Innovation In Applied Research

This thesis mainly analyzes the application of credit management into financial innovation, to discuss the function and importance of credit management to financial innovation and to put forward the new thought and suggestion of developing the financial industry of China.On the basis of discussing the basic theories of credit management and financialinnovation, the thesis focuses on the consumer credit--the typical form offinancial innovation, analyzing the situation and factors of its development related to credit management. Then it is pointed that there must be some credit problems that can't be solved solely by the financial institutions within the financial system during the financial innovation procedure. However, those problems can be solved by the socialized credit management system and industry which are out of the financial system. Therefore, it comes to the conclusion that credit management supports the financial innovation significantly.The thesis analyzes the current situation of credit management and financial innovation in China, and holds the opinion that lagging of the development of the credit management is one of the important reasons why the financial innovation of China is inadequate. It raises detailed suggestion and plans developing the credit management system and industry of China according to the analysis above.As to the methodology, the thesis reviews the history while having the present in mind. It relates the theories to practice while combining the theoretical analysis and practical conclusions together, and applies the theories into practice while putting forward the detailed practical consideration according to the abstract outline.