Through introducing the developing process of japanese credit market , the article tell us the system , business characteristic and running model of credit consuming corporation ; explain the function of credit card , market structure and the system of japanese credit card company ; analyse the management to credit consuming system , including information management , market management and management by law 本文通过介绍日本信贷消费市场的演进过程及发展现状，阐述了日本信贷消费的实施主体? ?信贷消费公司的组织体系、业务特点、业务运营方式，说明了信用卡的功能、市场结构、债权债务关系的处理及日本信用卡公司的组织结构，分析了日本政府对信贷消费体系的管理，包括信息管理、债务管理、市场管理及法制监管。
