Development Of China's Commercial Credit Research

To establish the social credit system is our country's present focus and also a difficult issue. I think enterprise's credit is the foundation of structuring the social credit system of our country, and the development of commercial credit is restricting the perfection of enterprise's credit system directly. So, this article is focused on how to develop commercial credit of our country, excavating the relationship between the development of commercial credit and financial service, and from the unique visual angle, announcing that the development of commercial credit is of great importance to the optimization of financial structure of our country. I hope my article can cause attention of society to the development of commercial credit, and promoting the optimization of the financial structure of our country through the development of commercial credit, improving the international competitiveness of the financial circles of China.The article is divided into four parts: First part, through the argumentation of characteristics and operation rule of commercial credit, analyses the effects of commercial credit to economic growth, announcing the financing function of commercial credit; Second part, demonstrates the problems of commercial credit in its development of our country, and excavate its profound reason through the representation; The third part, introduces the state of development of commercial credit in developed country, summarizing commercial credit and financial circles depend on each other, and support each other, announcing the importance of developing commercial credit for optimizing the financial structure of our country; The fourth part, propose several policies on how to develop commercial credit of our country, that is implementing financial reform as the core, perfecting financial service as the support, building up enterprise's own credits as the foundation, and adding government's macro-management as the supplement, joining all the three forces to advance the development of our country's commercial credit.