Market economy is a credit economy. Social credit system is an important institutional arrangement in the market economy system. The CPC Central Committee and the State Council attached great importance to the construction of social credit system. The 16th National Congress of the Communist Party of China and the Third Plenary Session of the 16th Central Committee defined the direction and goal of the construction of social credit system. China's "Eleventh Five-Year Plan" proposes to speed up the construction of social credit system by focusing on improving credit records such as credit, tax payment, performance and product quality. The National Financial Work Conference held in 2007 further proposed to comprehensively promote the construction of social credit system, focusing on the construction of credit information system and speeding up the construction of the basic framework and operational mechanism of social credit system suitable for China's economic and social development level.
Building a social credit system is an objective need to improve China's socialist market economic system and a fundamental solution to rectify and standardize the market economic order. At present, malicious arrears and evasion of bank debts, tax evasion, commercial fraud, manufacturing and selling fake goods, illegal fund-raising and other phenomena have been repeatedly banned. Accelerating the construction of social credit system is of great practical significance for cracking down on dishonesty, preventing and resolving financial risks, promoting financial stability and development, maintaining normal social and economic order, protecting people's rights and interests, and promoting the government to better perform its functions of economic regulation, market supervision, social management and public service.
In recent years, some departments and regions have successively carried out various forms of social credit system construction pilot work. On the whole, China's social credit system has made some progress, but there are still many problems to be solved urgently. Facing the new situation, the construction of social credit system is arduous and time is pressing. We should further unify our thinking, clarify our tasks, strengthen coordination and ensure the smooth progress of the construction of the social credit system.
Two, the guiding ideology, objectives and basic principles of the construction of social credit system
The construction of social credit system should take Deng Xiaoping Theory and Theory of Three Represents as the guidance, firmly establish and fully implement Scientific Outlook on Development, take the legal system as the foundation, take the credit system as the core, focus on improving credit records such as credit, tax payment, performance and product quality, and adhere to the principle of "overall planning, classified guidance, government promotion, market cultivation, perfect laws and regulations, strict supervision, orderly opening up and maintaining safety". Establish a credit reporting agency system in which national credit reporting agencies and social credit reporting agencies coexist, and finally form a basic framework and operating mechanism of social credit system with complete system, clear division of labor, efficient operation and strong supervision.
Combined with China's reality, we should define long-term goals, phased goals and work priorities, distinguish different situations, adopt different policies, and promote the construction of social credit system in a planned and step-by-step manner. It is necessary to strengthen organization and coordination, promote credit information sharing, integrate credit service resources, and accelerate the construction of enterprise and individual credit service systems. Starting from market demand, we should actively cultivate and develop the credit service market, improve the external environment and promote competition and innovation. It is necessary to improve laws and regulations, straighten out the supervision system, clarify the supervision responsibility, standardize the credit service behavior and market order according to law, and protect the legitimate rights and interests of the parties. It is necessary to open wider to the outside world in accordance with the principle of gradual progress, actively introduce advanced management experience and technology, promote the development of credit service industry, meet market demand, and safeguard national information security.
Third, improve industry credit records and promote industry credit construction.
The construction of social credit system involves all aspects of economic and social life. The production, exchange, distribution and consumption of commodities are the basis of the development of social credit relations, and the development of social credit system should be adapted to the development of productive forces and the level of marketization. According to China's national conditions and the needs of economic and social development at this stage, aiming at the outstanding contradictions and problems existing in China's market economic order, and drawing lessons from international experience, we will further improve credit records such as credit, tax payment, performance and product quality, and promote the construction of industry credit.
Trade credit construction is an important part of social credit system construction, which plays an important role in promoting self-discipline of enterprises and individuals and forming effective market constraints. It is necessary to rely on the "golden tax" and "golden customs" management systems, improve the taxpayer credit database, and establish and improve the records of tax evasion and tax fraud by enterprises and individuals. It is necessary to implement the system of contract performance filing and major contract verification, explore the establishment of contract performance credit records, and crack down on contract fraud according to law. It is necessary to rely on the "golden quality" management system, promote the electronization of enterprise product quality records, regularly publish product quality information, and strengthen the classified management of product quality credit. Continue to promote the credit system and price credit construction of small and medium-sized enterprises. It is necessary to give full play to the role of chambers of commerce and associations, and promote industry credit construction and industry trustworthiness and self-discipline. The relevant departments of the State Council should, according to the division of responsibilities and the actual work needs, pay close attention to the study and establishment of credit records of market participants, implement internal credit classification management, improve the negative information disclosure system and trustworthy incentive system, and improve the level of public services and market supervision. All departments should actively cooperate, timely communicate the situation, establish a credit information sharing system, gradually build and improve the information sharing platform system of the real-name registration system based on the organization code and ID number, and form a joint disciplinary mechanism for dishonesty, so as to truly make the untrustworthy "unable to move".
Fourth, speed up the construction of the credit information system and establish a unified credit platform for the financial industry.
Finance is the core of modern economy. The financial industry, especially the banking industry, is the main provider and user of social credit information. It is necessary to further improve the credit management system of securities industry, insurance industry and foreign exchange management, strengthen the coordination and cooperation of financial departments, gradually establish a unified credit platform for the financial industry, promote the integration and sharing of credit information in the financial industry, and steadily promote the construction of China's financial industry credit system. All localities and departments should actively support the construction and development of credit information systems, make full use of their credit information resources, and strengthen credit construction and management. Credit institutions shall collect information of enterprises and individuals according to law, and provide convenient, fast and efficient credit service for government departments, financial regulatory agencies, financial institutions, enterprises and individuals according to law.
Five, cultivate the credit service market, safe and orderly opening to the outside world.
It is necessary to intensify the publicity and education of honesty and trustworthiness, cultivate the credit consciousness of the whole society, and establish a good social credit fashion. It is necessary to encourage the expansion of the use of credit products, cultivate the market demand for credit services, and support the development of the credit service market. It is necessary to adhere to the market orientation, cultivate and develop credit service institutions with complete types, complementary functions, legal operation and market credibility, independently collect, sort out, process and provide credit information according to law, encourage the development and innovation of credit products, and meet the multi-level, diversified and professional credit service needs of the whole society.
Government information disclosure is the basis of the development of credit service market. All departments and regions shall, under the premise of protecting state secrets, commercial secrets and personal privacy, disclose the credit information held in administrative management according to law. The local people's government should further promote the construction of social credit system in the region, make full use of credit records such as credit, tax payment, contract performance and product quality, improve the local credit environment, and reduce redundant construction and waste of resources. Conditional areas can actively explore effective ways and means to build a social credit system based on the principles of economy, efficiency and ability.
On the premise of strict supervision, perfecting the system and maintaining information security, the credit service market will be opened step by step, steadily and moderately, and advanced foreign management experience and technology will be introduced. According to the principle of general exception and security exception of the World Trade Organization, the construction of basic credit information database and credit service fields involving high information protection requirements are not open.
Six, improve laws and regulations, strengthen organizational leadership.
A complete system of laws, regulations and national standards is the guarantee for the healthy development of the credit industry. Relevant laws and regulations should be formulated in accordance with the requirements of information sharing, fair competition, facilitating public services and supervision, and safeguarding national information security. Adhere to the principle of paying equal attention to standardization and development, and promote the healthy development of credit service industry. It is necessary to strictly distinguish between public information and credit information of enterprises and individuals, properly handle the relationship between information disclosure and the protection of personal privacy, business secrets and national information security in accordance with the law, and effectively protect the legitimate rights and interests of the parties. It is necessary to speed up the national standardization of the credit service industry and form a complete and scientific credit standard system.
A transparent and efficient supervision system is an important guarantee for the healthy development of the credit industry. In order to strengthen overall coordination, the General Office of the State Council took the lead in establishing the inter-ministerial joint conference system of the social credit system in the State Council to guide and promote related work. In accordance with the principle of unified leadership and comprehensive supervision, according to the specific business scope and the division of responsibilities of various departments, the relevant departments are designated to be responsible for daily supervision and implement supervision responsibilities. Relevant departments should strictly access the market according to law, supervise and manage credit service institutions, investigate and deal with illegal acts, improve the market exit mechanism, maintain market order, prevent illegal collection and abuse of credit information, and promote the healthy development of social credit system and credit service market.