Construction of the definition of the “credit” category

The subject of the research is the essence, nature and meaning of the “credit” category. The goal is to develop a definition of the “credit” category reflecting the nature of the phenomenon it refers to. Hypothesis: the author believes that general scientific research methods based on the idea of triadicity will reveal and describe the nature of the phenomenon of credit, as well as formulate a scientifically based definition of the corresponding category. Methods: formal-logical method, method of triadic decoding of categories. As a result of using the formal-logical method the author defined: a) the generic concept “loan” as a universe, part of which is the “credit” category;non-credit forms of loans: “bill”, “bond”, “factoring”, “leasing”; c) necessary and sufficient conditions for classifying an object as a “credit”. A scientifically grounded definition of the “credit” category was formulated. As a result of deciphering the “credit” category, the essential qualities in the “credit” object, which together make up its essence, nature and meaning, were revealed; a detailed definition of the “credit” categorywas received. The research into the nature of credit has shown that the closest generic concept of credit is a loan; a necessary condition for classifying a credit as a loan is the transfer or receipt of money and goods on loan; repayment, payment and urgency are sufficient conditions for classifying a credit as a loan category; as a result, “credit” is defined as a kind of loan categories, the objective essential properties of which are repayment, payment and urgency. The field of applicabilityof the results in theory: the possibility of using the formal-logical method to investigate the nature of the research object; to check the obtained definition of the object for logical correctness; to enter your own definitions of the research object into the subject field with the help of “triads”. In lending practice the results are applicable as follows: scientifically grounded definition of the “credit” category, understanding the essence and nature of credit, its properties: repayment, payment and urgency to determine the specific variety of credit.