Notice of the General Office of the State Council on
State Office issued [2021] No. 52
The people's governments of all provinces, autonomous regions and municipalities directly under the Central Government, all ministries and commissions of the State Council, and all institutions directly under the Central Government:
The "Implementation Plan for Strengthening Credit Information Sharing and Application to Promote Financing of Small, Medium and Micro Enterprises" has been approved by the State Council and is hereby issued to you. Please organize and implement it carefully.
All regions and departments should conscientiously implement the decisions and arrangements of the CPC Central Committee and the State Council on strengthening the construction of the social credit system and promoting the financing of small, medium and micro enterprises, focusing on protecting market players and responding to the new downward pressure on the economy, speeding up the pace of credit information sharing, and deepening data development Utilize, innovate and optimize financing models, strengthen information security and the protection of rights and interests of market players, help banks and other financial institutions to improve their ability to serve small and medium-sized enterprises, continuously improve the availability of loans for small and medium-sized enterprises, effectively reduce financing costs, effectively prevent and resolve risks, and support small and medium-sized enterprises. Micro-enterprises have been rescued and developed to maintain stable economic operation, providing strong support for building a new development pattern and promoting high-quality development.
Office of the State Council
December 22, 2021
Implementation Plan for Strengthening Credit Information Sharing and Application
to Promote Financing of Small, Medium and Micro Enterprises
Small, medium and micro enterprises are an important force for stabilizing growth, promoting employment and safeguarding people's livelihood. In recent years, the structural reform of the financial supply side has been further advanced, and the social credit system has been continuously improved, which has effectively promoted the financing of small, medium and micro enterprises. However, due to factors such as information asymmetry between banks and enterprises, the availability of loans for small, medium and micro enterprises is not high, and the proportion of credit loans is still low. In order to further play the supporting role of credit information in the financing of small and medium-sized enterprises, and promote the establishment of a long-term mechanism to alleviate the problem of financing difficulties and high costs for small and medium-sized enterprises, it is deployed in accordance with the "Guiding Opinions of the General Office of the Central Committee of the Communist Party of China and the General Office of the State Council on Promoting the Healthy Development of Small and Medium-sized Enterprises". This implementation plan was formulated in accordance with the requirements of the "Government Work Report".
1. General requirements
(1) Guiding ideology.
Guided by Xi Jinping Thought on Socialism with Chinese Characteristics for a New Era, thoroughly implement the spirit of the 19th National Congress of the Communist Party of China and all the 19th Plenary Sessions, and in accordance with the decisions and arrangements of the Party Central Committee and the State Council, give full play to the role of various credit information platforms, and effectively ensure information security and safety. On the premise of the rights and interests of market players, strengthen the sharing and integration of credit information, deepen the application of big data, support innovation and optimization of financing models, strengthen financial services for small and medium-sized enterprises, and continuously improve the loan coverage, availability and convenience of small and medium-sized enterprises. The rescue and development of small, medium and micro enterprises provides strong support for solidly doing the "six stability" work, fully implementing the "six guarantees" tasks, accelerating the construction of a new development pattern, and promoting high-quality development.
(2) Basic principles.
Demand-oriented, fully shared. Starting from supporting banks and other financial institutions to improve their ability to serve small, medium and micro enterprises, give full play to the role of various credit information platforms, collect and share various types of enterprise-related credit information in various ways, and solve the problem of information asymmetry between banks and enterprises.
Innovative applications to prevent and control risks. Make full use of big data and other technologies, improve the credit evaluation system, innovate financial products and services, and increase credit resources to small, medium and micro enterprises. Establish and improve mechanisms for risk identification, monitoring, sharing, and disposal to improve risk prevention capabilities.
Multi-participation and collaboration. Improve the credit information sharing and coordination mechanism, give play to the role of the government in organizational coordination, information integration, etc., and speed up the construction of a work pattern in which the government and banks, insurance, guarantees, credit services and other institutions are coordinated and linked to form a joint effort.
Protect rights and interests in accordance with laws and regulations. Strengthen the classification and classification of information management, standardize information use rights and procedures, strengthen information security protection, and prevent information leakage and illegal use. Investigate and punish infringements in accordance with the law, protect business secrets and personal privacy, and safeguard the legitimate rights and interests of market players.
2. Strengthening the sharing and integration of credit information
(3) Improve the information sharing network. Provincial-level people's governments shall, on the basis of making full use of existing information systems such as local credit information sharing platforms, credit reporting platforms, and comprehensive financial service platforms, coordinate the establishment or improvement of local financing credit service platforms, and encourage qualified cities and counties to establish them in light of their actual conditions. Relevant financing credit service platform. Relying on the established national SME financing comprehensive credit service platform (hereinafter referred to as the national financing credit service platform), horizontally connect the national enterprise credit information publicity system and related industry information systems, vertically connect with local financing credit service platforms at all levels, and build a national integration The network of financing credit service platforms shall be integrated, and the data sharing and exchange channels such as the national integrated government service platform shall be well connected. (The National Development and Reform Commission, the People's Bank of China, and the China Banking and Insurance Regulatory Commission will take the lead, and relevant departments and units in all regions will be responsible according to the division of responsibilities)
(4) Expand the scope of information sharing. Further integrate public credit information such as market entity registration, administrative licensing, administrative penalties, judicial judgments and enforcement, lists of seriously untrustworthy entities, honors and commendations, and policy support, and continuously improve the accuracy, completeness, and timeliness of data. Guided by the financing business needs of small, medium and micro enterprises and individual industrial and commercial households, under the premise of complying with laws and regulations and ensuring information security, gradually pay taxes, social insurance premiums and housing provident funds, import and export, water and electricity, real estate, intellectual property, science and technology. Research and development and other information are included in the scope of sharing, breaking "data barriers" and "information silos". Encourage enterprises to supplement and improve their own information through "voluntary reporting + credit commitment" and other methods, and smooth information sharing channels. (The National Development and Reform Commission, the People's Bank of China, and the China Banking and Insurance Regulatory Commission take the lead, the Supreme People's Court, the Ministry of Human Resources and Social Security, the Ministry of Natural Resources, the Ministry of Ecology and Environment, the Ministry of Housing and Urban-Rural Development, the Ministry of Agriculture and Rural Affairs, the General Administration of Customs, the State Administration of Taxation, and the State Administration for Market Regulation , National Copyright Administration, State Intellectual Property Office and other relevant departments and units and regions are responsible according to the division of responsibilities)
(5) Optimizing the way of information sharing. Based on the actual work, flexibly adopt various methods such as physical collection, system interface calling, and data verification to share relevant information. In principle, the information that has achieved national centralized management is shared at the national level, and the relevant state departments and units are responsible for sharing with the national financing credit service platform. Before completing the "head-to-head" connection, the local level sharing can be promoted according to actual needs; other information Shared at the local level, the local people's government is responsible for the collection and integration, and it is shared with the local financing credit service platform in an appropriate way. Make full use of existing information sharing mechanisms and channels, and no longer require relevant departments and units to repeatedly provide information that has been shared. The National Financing Credit Service Platform shall, according to the work needs of relevant departments and units, synchronously share the collected credit information in accordance with laws and regulations, and strengthen the effective connection between the use and management of information. Establish relevant working mechanisms to support banking, insurance, guarantee, credit service and other institutions in need (hereinafter collectively referred to as access institutions) to access the financing credit service platform. (Relevant departments and units in each region shall be responsible according to the division of responsibilities)
(6) Optimizing credit information services. Financing credit service platforms at all levels shall, in accordance with the principle of public welfare, provide basic information services to access institutions in accordance with laws and regulations, and promptly report the use of relevant information to data providers. For information disclosed in accordance with the law, standardized credit information reports shall be formed for access institutions to inquire, and qualified financing credit service platforms shall be encouraged to push relevant information in batches according to the needs of access institutions, by region, industry, and other dimensions. For information that is not suitable for disclosure, such as business secrets, the original detailed data shall not be provided to the access institution without the authorization of the information subject. After authorization, it provides data query, verification and other services to realize data "available and invisible". On the basis of practically strengthening supervision, we will steadily introduce enterprise credit reporting agencies to participate in the construction and operation of the platform in accordance with laws and regulations. (The National Development and Reform Commission, the Ministry of Industry and Information Technology, the People's Bank of China, the China Banking and Insurance Regulatory Commission and all regions shall be responsible according to the division of responsibilities)
3. Deepen the development and utilization of credit information
(7) Improve the credit evaluation system. Financing credit service platforms at all levels should establish and improve the credit evaluation index system for small, medium and micro enterprises, and carry out full-coverage credit evaluations for small, medium and micro enterprises for reference by banks and other access institutions. Encourage access institutions to make full use of internal and external information resources according to their own business characteristics and market positioning, improve credit evaluation models, and achieve accurate "portraits" of small, medium and micro enterprises. Encourage access institutions to open and share relevant information to financing credit service platforms and relevant departments in accordance with laws and regulations. (The National Development and Reform Commission, the Ministry of Industry and Information Technology, the People's Bank of China, the China Banking and Insurance Regulatory Commission and all regions shall be responsible according to the division of responsibilities)
(8) Strengthen risk monitoring and disposal. Financing credit service platforms at all levels shall strengthen the dynamic monitoring of the credit status of loan-financing enterprises, analyze and judge potential risks, and promptly push relevant institutions for reference. Relying on financing credit service platforms, etc., explore the establishment of "online notarization" and "online arbitration" mechanisms for loans to small, medium and micro enterprises, and financial Internet courts to efficiently handle financial disputes. All relevant departments and units shall carry out joint punishment according to laws and regulations for acts of malicious evasion and cancellation of debts determined in accordance with the law. (The National Development and Reform Commission, the Supreme People's Court, the Ministry of Justice, the People's Bank of China, the China Banking and Insurance Regulatory Commission and other relevant departments and units and all regions shall be responsible according to the division of responsibilities)
4. Safeguarding the legitimate rights and interests of information subjects
(9) Standardize the management and use of information. Each data provider shall clarify the nature and scope of sharing and disclosure of relevant information in accordance with relevant laws and regulations and the requirements of the Party Central Committee and the State Council’s policy documents. Financing credit service platforms at all levels shall establish a system for the management and use of information by classification and classification. Information subjects have the right to inquire about all their information on the financing credit service platform free of charge, and may file objection appeals and apply for credit restoration in accordance with relevant regulations. Information involving business secrets or personal privacy shall not be provided to the outside world without desensitization processing or the explicit authorization of the information subject. (Relevant departments and units in each region shall be responsible according to the division of responsibilities)
(10) Strengthen information security. Financing credit service platforms at all levels shall establish complete information security management systems, strengthen information security technical guarantees, conduct information security assessments on access institutions, and improve information security risk monitoring, early warning, and handling capabilities. Access institutions should strengthen internal information security management, strictly abide by relevant state regulations and the information management requirements of financing credit service platforms, and the information obtained shall not be used for activities other than providing financing support for enterprises. Seriously investigate and deal with violations of laws and regulations such as illegal acquisition, dissemination, disclosure, and sale of information. (Relevant departments and units in each region shall be responsible according to the division of responsibilities)
V. Safeguards
(11) Strengthen organization and coordination. The National Development and Reform Commission, the Ministry of Industry and Information Technology, the People's Bank of China, and the China Banking and Insurance Regulatory Commission should work with relevant departments and units to establish and improve the coordination mechanism for strengthening the sharing and application of credit information to promote the financing of small, medium and micro enterprises, and do a good job in connecting with the national government affairs data sharing coordination mechanism. Set up a special work class responsible for promoting relevant information sharing and reporting work results. The People's Bank of China and the China Banking and Insurance Regulatory Commission shall supervise and manage the relevant financial institutions and financial businesses involved in accordance with laws and regulations. All relevant departments and units should accelerate the interconnection between relevant information systems in this field and financing credit service platforms, and promote credit information application services. Local people's governments at all levels should intensify their efforts, coordinate the establishment or improvement of local financing credit service platforms in accordance with the requirements of this implementation plan, and do a good job in the sharing and application of credit information within their respective administrative regions. (The National Development and Reform Commission, the Ministry of Industry and Information Technology, the People's Bank of China, and the China Banking and Insurance Regulatory Commission take the lead, the Supreme People's Court, the Ministry of Justice, the Ministry of Finance, the Ministry of Human Resources and Social Security, the Ministry of Natural Resources, the Ministry of Ecology and Environment, the Ministry of Housing and Urban-Rural Development, the Ministry of Agriculture and Rural Affairs Ministry of Commerce, General Administration of Customs, State Administration of Taxation, State Administration for Market Regulation, State Copyright Administration, State Intellectual Property Office and other relevant departments and units and various regions shall be responsible according to the division of responsibilities)
(12) Strengthen policy support. Local people's governments shall provide reasonable guarantees for the construction of local financing credit service platforms. Encourage places where conditions permit to establish a market-based risk sharing compensation mechanism for small, medium and micro enterprise credit loans to reasonably share credit risks. Encourage qualified places to provide loan discounts to small, medium and micro enterprises that meet the industrial policy orientation and have good credit status, and subsidize government financing guarantee institutions that provide effective guarantees for small, medium and micro enterprises. Give full play to the guiding role of the National Financing Guarantee Fund, enhance the credit enhancement capabilities of local government financing guarantee institutions, and promote the improvement of the government financing guarantee system. (The Ministry of Finance, the China Banking and Insurance Regulatory Commission and each region shall be responsible according to the division of responsibilities)
(13) Do a good job of publicity and guidance. Create a number of demonstration areas, demonstration banks, and demonstration platforms to strengthen the sharing and application of credit information to promote the financing of small, medium and micro enterprises, strengthen positive guidance, and promote advanced experience. Organize and mobilize banks, insurance, guarantee, credit service and other institutions to participate widely, strengthen the supply of financing services for small, medium and micro enterprises, and continuously improve the sense of gain of small, medium and micro enterprises. Give full play to the roles of departments, localities, industry organizations, news media, etc., through various forms such as holding press conferences and producing new media products, comprehensively and accurately interpret policies, vigorously publicize work results, typical cases and innovative practices, and create a good public opinion environment. (The National Development and Reform Commission, the Ministry of Industry and Information Technology, the People's Bank of China, and the China Banking and Insurance Regulatory Commission will take the lead, and all relevant departments and units in various regions will be responsible according to the division of responsibilities)
Attachment: List of Credit Information Sharing
Appendix
Credit Information Sharing Checklist
Note: 1. "Small, medium and micro enterprises" refer to medium, small and micro enterprises determined in accordance with the classification standards for small and medium enterprises formulated by relevant departments such as the Ministry of Industry and Information Technology. The relevant credit information sharing work of individual industrial and commercial households, farmers' professional cooperatives, and rural collective economic organizations shall be implemented with reference to this implementation plan.
2. The "physical collection" sharing method means that the data provider transmits the relevant information to the platform, and the platform stores it; the "interface call" sharing method means that the data provider opens the data interface to the platform, and the platform calls the information according to the authorization of the enterprise. The sharing method of "data verification" means that the platform sends the information that needs verification to the data provider, and the data provider feeds back the verification results.
3. "Authorized by the enterprise" refers to the authorization through the enterprise's written authorization or online authorization after the enterprise's real-name registration under the premise of fully informing the enterprise of the relevant risks.
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