Constructing a conceptual framework subject area "credit system"

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.