China's annual "dishonesty" loss of 600 billion

Wang Xin Yi Wanmin by reporter from Beijing

"At present, the economic losses caused to businesses by enterprises in China amount to more than 600 billion yuan every year due to a large number of dishonesty issues such as commercial fraud, fake goods selling and selling, tax evasion, academic misconduct, and food safety incidents." Yesterday (July 9) At a press conference on "accelerating the construction of a social credit system" jointly held by the National Development and Reform Commission and the Central Bank, Tian Jinchen, director of the Fiscal and Financial Department of the National Development and Reform Commission, told the Daily Economic News reporter.

According to Tian Jinchen disclosed that at present, the integration of credit information platform credit China website has completed the domain name application, is studying the formation. In the meantime, Zhang Zihong, deputy director of the Central Bank Credit Rating Administration of the People's Republic of China, said at present the central bank is carrying out credit application and filing procedures. Reporters noted that this means that the issuance of the central bank credit card or has not expired.

China's annual "dishonesty" loss of 600 billion

At a press conference held yesterday, Tian Jinchen admitted frankly that there are a lot of problems of dishonesty in society. He introduced that each year our country's enterprises lack the integrity and cause economic losses of over 600 billion yuan, greatly affecting the entire social and economic development.

In view of this, in June this year, the State Council promulgated the first state-level special plan for the construction of a social credit system, "Social Security System Construction Plan (2014-2020)" (hereinafter referred to as the "Credit Outline"), which clearly states A system of social credit codes will be established for natural persons, legal persons and other organizations.

At present, China has started the planning and construction of a unified national credit information platform and promoted the establishment of a unified social credit code system. Credit China website domain name application has been completed, is studying the formation. In addition, according to the deployment of the State Council, the Ministry of Public Security led the initiative to propose a unified code for citizens based on the ID number. The NDRC and relevant departments are studying the formulation of a unified code scheme for legal persons and other organizations. A few years later, our ID number will not only represent basic information such as a person's name, age, etc., but will also include our credit history.

However, "Daily Economic News" reporter noted that Tian Jinchen also stressed that "the use of information must be based on the law and regulations, we must first of personal credit information strictly protected." On this basis, our Credit information will also be classified management. For example, some credit information can only be collected by some authorized units or agencies, and other units and agencies can not collect.

In addition, the credit information can not be changed, a mistake will not necessarily be with us for life. According to Tian Jinchen, China will also establish a self-correcting and self-renewing social encouragement and care mechanism and give priority to establishing an education mechanism aimed at juvenile dishonesty, and give appropriate protection to members of the community who repent and correct their old minor dishonesty. Trustworthy positive incentive mechanism.

Credit industry usher in the development of opportunities

From international experience, credit rating agencies are generally run by credit rating agencies. In our country, credit market is still in its infancy. Therefore, for the collection of huge credit reference data, what should be the market or government agencies as the main body has become a problem.

In response, Guo Tian Yong, director of the China Banking Research Center at the Central University of Finance and Economics, said that the credit business itself is not a mere public service and has market attributes. Credit agencies can make money by providing services that should encourage private capital to enter and weaken state participation.

Zhang Zihong, deputy director of the Central Bank Credit Rating Administration, also said that market orientation should be adhered to to promote the development of China's credit market so as to form a batch of competitive credit bureaus and meet the multi-level and comprehensive credit information needs of all levels of society. At present, the central bank is carrying out credit information agencies to establish applications and filing. The list of individual credit bureaus that qualify for personal credit business operation and the list of business credit bureaus that have been filed with the People's Bank of China will be announced one after another on the website of the People's Bank of China.

Zhang Zihong said that at present we are in accordance with the "credit management regulations" and "credit agencies management approach" requirements, the credit agencies to establish the application and filing. This means that the issuance of the central bank credit card license or has not expired.

In the current credit industry is still not complete today, how to regulate the credit reporting company has just started to prevent the disclosure of privacy?

"Daily Economic News" reporter noted that "the provisions of the" Credit Administration Regulations ", in addition to personal information in accordance with the law open, the acquisition of personal information should be subject to the consent of the main body of information, without consent shall not be collected. To provide personal credit information agencies should inform the main body of information in advance, credit institutions on the personal information of poor retention period of five years, more than it should be deleted. Except as otherwise provided by law, when querying personal information from credit information agencies, others shall obtain the written consent of the main body of information and agree on the use, and credit information institutions shall not violate the provisions and provide personal information.