Modern consumer credit industry has many defects in point of the credit information system resulted from the asymmetry information. The concept of the asymmetry information was introduced by G. Akerlof in his article titled “The Market for ‛Lemons',” (QJE:1970.). The idea is that there is asymmetry if information about goods and service is not equally held between suppliers(consumer credit companies) and demanders(their customers). According to the theory, suppliers have more effective information than demanders. In the prevailing consumer credit information system, suppliers, however, have lesser information as the consumer credit information instututions has not yet integrated.

In this paper, it is insisted that the credit information corporations should be unified to decrease customer's defaults, and that small retailers should be synthesized with large distributors in terms of credit information for the purpose of effective marketing.

A personal computer is expected in future to be used more in the field of business management. Many software packages have already been introduced into enterprises for business management, but the earnest bulk introduction will be in future.

The softwares for accounting, that have gotten some success relatively, are composed of adequate functions somehow. However, there are portions in well use and another not to be used. There are many kinds of reasons, the factors of human side cannot be ignored.

Other way of packaging softwares with much more adaptability is expected specially in the field of business management.

In this paper we analyze how networks are important and critical for the structural change of industrial structures. For the purpose we clarify the concept of network. We recognize the hard network industry as a platform oriented industry.

As an example we analyze the computer software industry in U.S.A. and its continuing structural change. In the industry computer network (the Internet) for mutual communication which is constructed by engineers is expanding rapidly. The network is also a network for knowledge sharing and collaboration. In the network new communities for knowledge sharing and collaboration are growing outside of boundaries of companies. We call this neo-guild. The network gives network merit of improvement and evolution for the industry.

Next we pay attentions to Japanese industrial accumulation of subcontract companies and its network merit compared with the case of software industry of U.S.A..