Credit System in Categorical-Systemic Representation

The subject of the research is the credit system. The objective is to develop a model of the object and, on its basis, formulate a definition of the credit system. It is hypothesized that using the methods of formal logic, categorical-system methodology and the theory of dynamic information systems will allow us to obtain a scientifically sound and logically correct definition of the desired concept. The methods of critical analysis of literature, logical definition of the concept, triadic decoding of the category and generalization are used. A necessary and sufficient condition for classifying objects as credit systems was determined. These conditions included being a subsystem of the economy and possessing specific resources with the qualities of repayment, urgency, and payment. A model of the credit system is developed based on the principles of formal logic, and it is a subsystem of the economy. Using the ideas of triadicity, a model of the credit system was developed that reflects its functions, such as accumulation, redistribution, multiplication and their varieties. A detailed definition of the credit system is formulated — it is a subsystem of the economy that has specific resources characterized by the properties of repayment, urgency and payment and performs the functions of accumulation (preserving, saving, accumulating), redistribution (transfer, transfer, assignment) and multiplication (reserve, deposit, trust). It is concluded that the developed models of the credit system reflect its natural essence, fundamental differences from other forms of economic systems and provide a systemic understanding of the object; most fully and accurately reflect the meaning of the name, the phenomenon under study, and also serve as a basis for constructing a detailed definition of the concept. The obtained results contribute to the development of the scientific theory of credit and the credit system. The practical value lies in the fact that the obtained results contribute to a more precise understanding of the nature of the credit system and assist in the formation of a more adequate theoretical platform for developing a program for the development of the domestic credit system. A program for the development of the credit system with a reliable theoretical basis will be more effective both at the macro level and at the level of credit institutions.

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