Constructing a conceptual framework subject area "credit system"
https://doi.org/10.34020/1993-4386-2025-1-44-54
Abstract
The article is devoted to the description of the subject area of the credit system. The main research methods were the analysis of scientific literature, the method of triadic category decoding and the mutation method. As a result, a detailed model of the credit system was built, reflecting the most essential qualities (properties) of the credit system. A logical explanation is given for the relationship between the basic categories, which together represent the essence of the credit system: accumulated credit resources are redistributed by the system with the aim of increasing them in the interests of stakeholders. Using the mutation method, new combinations of categories were obtained, constituting new triads, reflecting the functional, target and technological aspects of the credit system under study and forming the conceptual apparatus of its subject area. The developed conceptual apparatus of the subject area of the credit system, firstly, provides a systematic description of the phenomenon under study with an explanation of its basic characteristics, such as accumulation, redistribution and multiplication, secondly, it satisfies the requirements of completeness and sufficiency, thirdly, it sets directions for further research subject area of the credit system. The practical significance of the results obtained determines the possibility of their use for the development of the credit system.
About the Author
E. Revtova
Orenburg State University
Russian Federation
Russian Federation
Elena G. Revtova – PhD in Economics, Associate Professor of the Department of Banking and Insurance
Orenburg
References
1. Atlas M. S. S. Yu. Witte on the credit system of Russia, Vestnik Finansovoi akademii, 1997, No 4 (4), рр. 8-16. (in Russ.)
2. Murav'eva L. A. Financial and credit system during the years of the new economic policy, Finansy i kredit, 2002, No 12 (102), рр.77-86. (in Russ.)
3. Shakurova A. D. Formation and significance of the modern credit system in the Russian Federation, Vestnik Samarskogo finansovo-ekonomicheskogo instituta, 2013, No 17, рр. 18-24. (in Russ.)
4. Dotsenko E. Yu. Genesis of the system of credit relations in the Russian economy, Ekonomika i upravlenie innovatsiyami, 2021, No 2 (17), рр. 21-33. DOI: 10.26730/2587-5574-2021-2-21-33. (in Russ.)
5. Polishchuk A. I. Credit system: range of problems, diversity of opinions. On the issue of the theory of the credit system in the works of laureates of the International Prize in Economics named after A. Nobel, Vestnik Finansovoi akademii, 2003, No 3 (27), рр. 52-66. (in Russ.)
6. Bykov M. V. Classification of types of credit system and characteristics of trends in the development of credit relations, Finansy i kredit, 2010, No 36 (420), рр. 62-69. (in Russ.)
7. Tinikashvili T. Sh. Credit system in the structure of the monetary economy of Russia, Finansy i kredit, 2007, No 30 (270), рр. 38-41. (in Russ.)
8. Rodnina A. Yu., Nikolaeva E. E. Postulates of the theory of credit relations VS the credit system of the Russian Federation, Vestnik Adygeiskogo gosudarstvennogo universiteta, Seriya 5: Ekonomika, 2014, No 3 (150), рр. 240-246. (in Russ.)
9. Lavrushin O. I., Larionova I. V., Valentseva N. I., Gamza A. L., Kropin Yu. A. [et al] Kreditnye otnosheniya v sovremennoi ekonomike: monografiya [Credit relations in the modern economy: monograph], Moscow: KnoRus, 2020, 354 p. (in Russ.)
10. Zlobin I. D. Kredit i kreditnaya sistema SSSR [Credit and the credit system of the USSR], Moscow: Znanie, 1958, 40 р. (in Russ.)
11. Shenaev V.N. Denezhnaya i kreditnaya sistemy Rossii: monografiya [Monetary and credit systems of Russia], Moscow: Nauka, 1998, 222 р. (in Russ.)
12. Shenger Yu. E. Problemy denezhnogo obrashcheniya i kredita v sotsialisticheskom obshchestve [Problems of money circulation and credit in a socialist society], Tashkent: Fan, 1983, 215 р. (in Russ.)
13. Tarasova G. M. Kreditnaja sistema Rossii (Problemy stanovlenija i razvitija) [Credit system of Russia (Problems of formation and development)], Doc. sci. (econ.) Thesis, Novosibirsk: Novosibirskii gosudarstvennyi universitet ekonomiki i upravleniya "NINKh", 2002, 335 p. (in Russ.)
14. Bykov M. V. Classification of types of credit system and characteristics of trends in the development of credit relations, Finansy i kredit, 2010, No 36(420), рр.62-69. (in Russ.)
15. Polishchuk A. I. Kreditnaya sistema: opyt, novye yavleniya, prognozy i perspektivy: monografiya [Credit system: experience, new phenomena, forecasts and prospects: monograph], Moscow: Finansy i statistika, 2005, 216 p. (in Russ.)
16. Mishkin Frederik S. Ekonomicheskaya teoriya deneg, bankovskogo dela ifinansovykh rynkov [Economic theory of money, banking and financial markets], Moscow: OOO "I.D. Vil'yams", 2006, 880 p.
17. Sinki-ml. Dzh. Finansovyi menedzhment v kommercheskom banke i v industrii finansovykh uslug [Financial management in commercial banking and the financial services industry], Moscow: Al'pina Biznes Buks, 2007, 1018 p.
18. Revtova E. G. Definition of the concept "credit system", Sibirskaya finansovaya shkola, 2024, No 1(153), рр. 34-42. DOI: 10.34020/1993-4386-2024-1-34-42. (in Russ.)
19. Boush G. D. Klastery v ekonomike: nauchnaya teoriya, metodologiya issledovaniya, kontseptsiya upravleniya: monografiya [Clusters in the economy: scientific theory, research methodology, management concept], Omsk: Omskii gosudarstvennyi universitet im. F.M. Dostoevskogo, 2013, 408 р. (in Russ.)
20. Boush G. D., Razumov V. I. Formation of systems of concepts for studying objects in the economy: experience of applying the apparatus of the theory of dynamic information systems to business clusters, Vestnik Novosibirskogo gosudarstvennogo universiteta. Seriya: Filosofiya, 2011, Vol. 9, No 4, рр. 30-37. (in Russ.)
21. Klyushnikova E. A. New conceptual approach to understanding sobriety within the framework of the theory of dynamic information systems, Nepreryvnoe obrazovanie: XXI vek, 2021, No 4(36), рр. 47-63. DOI: 10.15393/j5.art.2021.7167. (in Russ.)
22. Samarskaya N. A. New approach to understanding the phenomenon of labor protection in the context of the modern economy: formation of a conceptual apparatus within the framework of the theory of information dynamic systems, Ekonomika truda, 2023, Vol. 10, No 2, рр. 321-342. DOI: 10.18334/et.10.2.117248. (in Russ.)
23. Revtova E. G. Credit system in a categoricalsystemic representation, Universitetskii kompleks kak regional'nyi tsentr obrazovaniya, nauki i kul'tury [University complex as a regional center of education, science and culture], sbornik materialov Vserossiiskoi nauchnometodicheskoi konferentsiiya 01-03 fevralya 2024, Orenburg: Orenburgskii gosudarstvennyi universitet, 2024, рр. 1019-1023. (in Russ.)
24. Kosoi A. M. Credit multiplication, Den'gi i kredit, 1993, No 2, рр.61-69. (in Russ.)
25. Uerta de Seto Khesus Den'gi, bankovskii kredit i ekonomicheskie tsikly: per. s angl. [Money, bank credit and economic cycles: trans. from English], Chelyabinsk: Sotsium, 2012, 663 р.
26. Grishchenko V. O. Money multiplier in modern financial systems, Den'gi i kredit, 2017, No 9, рр. 10-17. (in Russ.)
Review
For citations:
Revtova E. Constructing a conceptual framework subject area "credit system". Siberian Financial School. 2025;(1):44-54. (In Russ.) https://doi.org/10.34020/1993-4386-2025-1-44-54
Views:
56
Email this article 