I. Interpretation of Mechanism —— Credit Evaluation Management of Construction Market
Credit evaluation management refers to the comprehensive credit management activities in housing construction, municipal infrastructure projects and other construction activities, which comprehensively evaluates the credit status of all parties in the construction market through quantitative standard calculation according to the credit information of various credit subjects in the construction market, and applies the evaluation results to administrative licensing, market access and other scene areas.
(A) the object of credit evaluation
The management objects of market credit evaluation include enterprises and individuals. Enterprise credit subjects include construction, survey, design, construction, supervision, bidding agency, cost consultation, quality inspection and other enterprises; People's credit subjects include architects, survey and design engineers, builders, supervision engineers, cost engineers, project leaders, enterprise leaders and safety managers.
(2) Subject credit information
According to the Administrative Measures for Credit Information Business (Draft for Comment) promulgated by the State 202 1, 1, credit information refers to all kinds of information that provides services for financial and economic activities and is used to judge the credit status of individuals and enterprises. Including but not limited to the identity, address, transportation, communication, debt, property, payment, consumption, production and operation, performance of legal obligations and other information of individuals and enterprises, as well as the analysis and evaluation information on the credit status of individuals and enterprises based on the above information.
In the credit management regulations of local construction markets, the credit information of various credit subjects is further divided into three categories: basic information, excellent credit information and bad credit information.
(3) Comprehensive credit evaluation
Local housing and urban-rural construction departments have formulated quantitative credit evaluation standards and rules, and classified credit evaluation according to the credit information of various credit subjects. For example, the Implementation Measures of Credit Management in Henan Construction Market (Provisional) divides credit evaluation into five grades: excellent, good, qualified, poor and poor. For example, the Administrative Measures for Credit Evaluation of Jinan Construction Market (Draft for Comment) classifies credit evaluation into AAA, AA, A, B, C and D levels.
(4) Application of evaluation results
Comprehensive credit evaluation will be widely used in administrative licensing, market access and other scenarios. Through joint encouragement of trustworthiness and joint punishment of dishonesty, we will strengthen the credit management mechanism, further standardize the credit behavior of all subjects in the construction market, and ensure the realization of the quality, safety, investment and progress goals of construction projects.
1. Keep your promise and encourage.
Credit subjects with good comprehensive credit evaluation can enjoy preferential treatment, simplified procedures, tolerant acceptance, low-frequency inspection and spot checks in administrative licensing, qualification identification, bidding and regular market supervision.
2. Disciplinary action against dishonesty
Credit subjects with poor comprehensive credit evaluation will be constrained, restricted and punished in market access, administrative licensing, bidding, qualification and project start-up. Those who are included in the blacklist management are prohibited from participating in regional bidding activities; High-frequency daily supervision and dynamic spot checks are listed as the key objects of law enforcement inspection; Enjoy preferential policies and participate in appraisal and commendation.
Two. Difficulties in credit evaluation management * * * The enjoyment and use of credit information data
Judging from the mechanism of credit evaluation management in the construction market, the management and utilization of credit information of credit subjects is undoubtedly the most basic.
2. Some basic information data of the credit subject, including identity, occupation, residence and some administrative punishment or court enforcement information.
In 20021year, the state issued the Measures for the Administration of Credit Information Business (Draft for Comment), which further expanded the scope of credit information and extended the scope of credit information management to the field of commercial transactions, including credit analysis and credit subject evaluation information, as well as information on the production, operation and performance of legal obligations of enterprises.
With the further expansion of the scope of credit information, the difficulty of collecting, sharing and using credit data increases accordingly. Relevant credit information is scattered in many government departments, such as finance, housing and construction departments, human society, transportation, statistics, banks, public security, courts and so on. The phenomenon of information island is increasingly affecting the efficient sharing and exchange of credit data between departments, and it is difficult to provide efficient data support for credit evaluation management.
At the same time, credit information management involving a large number of enterprises, projects and personnel, including data security management such as data tamper prevention, leakage prevention and loss prevention, as well as a large number of consulting management services for enterprises and personnel, has also become a difficulty in developing credit evaluation management services.
Third, the information system platform realizes the credit evaluation management service.
Applying innovative emerging technologies such as big data, cloud computing, blockchain and artificial intelligence, establishing an information system platform and empowering government management through digital transformation are increasingly breaking the information islands among departments, improving the efficiency of data exchange and sharing, and ensuring data security.
At the same time, by introducing the third-party professional technical service force, the cost of various construction and management services of government departments can be effectively reduced, and the credit evaluation and management services of the construction market can be optimized and improved through market forces.
(A) to break the information island and improve sharing and communication.
The credit information system platform applies big data, cloud computing and other technical means. Through system docking, data exchange and sharing with government departments such as finance, housing and construction departments, human society, transportation, statistics, banks, public security and courts can be realized. And obtain credit data, such as tax, output value, employment, financial credit, administrative and judicial information, blacklist gt; Provide data sharing and exchange support for the all-round development of credit evaluation in the construction market.
(2) Ensure data security and authorize supervision and management.
Credit evaluation management service involves a large amount of information and data of enterprises, projects and personnel, which objectively puts forward high technical requirements for data security management. The credit information system platform ensures the security of credit information data in transmission, storage and use by applying data security technologies such as CA certificate, WAF firewall and blockchain deposit certificate. Realize the anti-tampering, anti-leakage and anti-loss of credit data, support data traceability, and provide security technical support for market supervision.
(C) reduce costs and increase efficiency, and promote the transformation of government functions
Objectively speaking, carrying out credit evaluation management involves a lot of capital cost, labor cost and management energy input, which has caused great burden and pressure on government administration. On the one hand, the platform of credit management information system built by the third-party professional technical service institutions supplements the technical and management strength of government departments in building and maintaining professional platforms, on the other hand, it reduces the manpower, material resources and capital costs that government departments need to invest in platform construction and platform management services.
(4) Improve platform services and prevent credit risks.
The objects of credit evaluation management include not only various enterprises such as construction, survey, design, construction and supervision, but also architects, engineers, supervisors and various project managers. A large number of complex credit evaluation objects undoubtedly bring great challenges to credit evaluation management services. Third party professional services
In addition, the credit management information system platform innovatively applies big data, cloud computing, artificial intelligence and other technical means. By building a credit risk model and collecting the performance evaluation and illegal behavior of enterprises and personnel related to construction projects, we can conduct dynamic and scientific credit evaluation of various credit subjects. At the same time, according to the credit evaluation results, it is also conducive to formulating credit risk response plans and enjoying the supervision departments, and is also conducive to better preventing and coping with credit risk problems in various construction markets.