Fujian Provincial Implementation Plan for Strengthening the Establishment of the Personal Creditworthiness System


Source: http://www.creditchina.gov.cn/home/zhngcefagui/201807/t20180726_121772.html

The following Implementation Plan is hereby put forward so as to implement the spirit of the "Guiding Opinion by the General Office of the State Council on Strengthening the Establishment of the Personal Creditworthiness System" (Guobanfa (2016) No. 98), and in accordance with the "Notice on division of labor for key tasks and schedule arrangements for the State Council's Guiding Opinion by the General Office of the State Council on Strengthening the Establishment of the Personal Creditworthiness System" (FagaiBanTsaiJin (2017) 333) issued by the National Development and Reform Commission General Offices' to accelerate the advancement of the establishment of our province's personal creditworthiness system, to commend creditworthiness and punish untrustworthiness, to raise the the whole society's awareness of creditworthiness and credit levels, and to create a positive credit environment.

I. Overall Requirements

(1) Guiding Ideology

Fully put in place the spirit of the 18th Party Congress's 3rd, 4th, 5th, and sixth plenary sessions; deeply putting in place the spirit of General Secretary Xi Jinping's series of important speeches, especially the spirit of the important goal of advancing the establishment of a social credit system; follow the decisions and deployment of the party central committee and State Council, to take the core socialist values as the root in education and practice from which to promote a culture of creditworthiness, accelerate the construction of creditworthiness records, improve personal information security, privacy protection and mechanisms for credit restoration, build mechanisms for rewarding trustworthiness and punishing untrustworthiness that cross-regions, departments, and fields, making it so that the trustworthy receive benefits and the untrustworthy are restricted, and let creditworthiness become a value pursued by the entire society and a behavioral more, actively creating a positive environment where 'trustworthiness is honored and untrustworthiness is shameful".

(2) Basic principles

First is government promotion and joint construction with society. Fully put into play the government's role in organizing, guiding, promoting, and modeling roles in the establishment of the personal creditworthiness system. Regulate development of the credit market, encourage broad participation of social forces, forming a combined force for the construction of the personal creditworthiness system.

Second is completing the legal system, standardizing development. Complete systems of laws, regulations, and rules, and regular standards on personal information security, privacy protection, credit restoration, and so forth, to strictly protect personal privacy and information security.

Third is comprehensive advancement with breakthroughs in key areas. Promote the establishment of mechanisms for personal creditworthiness records in all areas and all industries, with key fields and key groups of people as the opening for breakthroughs. Rely on the provincial public credit information platform, the Basic Financial Credit Information Databases and personal credit appraisal establishments to separately bring about the recording, aggregating, sharing, processing, and application of personal public credit information and personal credit reporting information.

Fourth is strengthening application, and joint rewards and punishments. Actively cultivate public credit information product application markets, spread the social applications of personal public credit information, and broaden the scope of applications. Establish and complete mechanisms for joint rewards and punishments of personal creditworthiness, increasing incentives for personal trustworthiness and the degree of punishment for untrustworthiness.

II. Key Tasks and Division of Labor

(1) Strengthen education on personal creditworthiness.

1. Forcefully carry forward a culture of creditworthiness .

Put the establishment of a culture of creditworthiness in an prominent position, cultivatie and practice the core socialist values, organize the compilation and editing of texts on credit knowledge, vigorously spreading credit knowledge, drafting and promulgating codes of citizen creditworthiness, making education on creditworthiness run through the entire course of citizen morality construction and the creation of spiritual culture. Mobilize the media, social organizations, and forces from all other areas to vigorously promote models of morality, creditworthy enterprises, and outstanding volunteers, recommending exemplars of creditworthiness and persons with no negative credit record to the public, and promoting cross-departmental and cross-field measures for the joint reward of trustworthiness. Strengthen education on social morality, professional ethics, family virtues, and personal morality, building a social atmosphere where "the trustworthy are proud, the untrustworthy are ashamed, and those without credit are concerned. (省委宣传部、省委文明办、省网信办,省发改委、省教育厅、省人社厅、省文化厅、省新闻出版广电局、团省委、各有关部门,各设区市人民政府、平潭综合实验区管委会;持续实施)

2. Widely carry out publicity on creditworthiness.

Take Spring Festival, Labor Day, Children's Day, National Day, Online Credit Publicity Day, Credit Worthiness for Prosperity Publicity Month, International Consumer Rights Day, the National Day of Credit Concern, National Day, National Constitution Day and National Legal Publicity Day, together with other important times and holidays and legally prescribed holidays, to thoroughly carry out creditworthiness themed publicity activities, concentrate publicity on credit policies and regulations, credit information, and type cases. Organize all kinds of websites to carry out special features on creditworthiness, thoroughly uncovering and dissecting examples of creditworthiness, and strengthening educational warnings against untrustworthiness. Combine the traditional Chinese culture of creditworthiness and contemporary values, to create cultural works, public interest advertisements, publicity videos, and so forth in a variety of forms with rich content and wide-reaching media; increasing the frequency and quality of creditworthiness publicity. (省委宣传部、省委文明办、省网信办,省发改委、人行福州中心支行、省教育厅、省司法厅、省人社厅、省商务厅、省工商局,各有关部门,各设区市人民政府、平潭综合实验区管委会;持续实施)

3. Comprehensively carry out creditworthiness education and training.

Increase content educational content on creditworthiness in basic, higher, vocational, and adult education, and other relevant courses, support schools and institutes of hire learning that are have capacity to establish majors in credit management. 推动学校加强信用管理,建立健全18岁以上成年学生信用档案,依法依规归集优秀志愿者等诚信行为信息,以及考试舞弊、学术造假、不履行助学贷款还款承诺、伪造就业材料等失信行为信息,并推送至各级公共信用信息平台,将学生个人诚信作为升学、毕业、评先评优、奖学金发放、鉴定推荐等环节的重要考量因素。 Implement systems for credit management professional training and assessment, and formulate practice standards for credit service establishments and their practitioner staffs. Encourage all types of social organizations and enterprises to construct credit management and education systems, For key groups and individuals where there are pressing requirements for the establishment of creditworthiness, carry out special education and governance activities. (省教育厅、省发改委、省人社厅、省民政厅、各有关部门;持续实施)

(2) Accelerating the establishment of personal creditworthiness records

1. Promote improvement of the unified social credit code system for natural persons.

落实以公民身份号码制度为基础的公民统一社会信用代码制度,加强公民身份信息及指纹信息的采集、更新,实现公民统一社会信用代码全覆盖。 规范身份信息使用和基础信息共享,运用信息化技术手段,不断加强个人身份信息的查验核实工作,确保个人身份识别信息的唯一性。 (省公安厅、省发改委;持续实施)

2. Promote the improvement of real-name registration systems.

落实国家关于实名登记制度相关要求,以交通运输、互联网、邮寄递送、教育考试、危险物品流通、电信、金融、就业和社会保障、特种行业等领域为重点,依法依规推进建立相关领域实名登记制度,为准确采集个人公共信用信息奠定基础。 (省网信办、省卫计委、省交通运输厅、省经信委、省邮政管理局、省通信管理局、省教育厅、省工商局、人行福州中心支行、福建银监局、福建证监局、福建保监局、各有关部门;持续实施)


建立完善省级人口基础信息库,加快推进省级人口基础信息库与省公共信用信息平台的对接,加强个人身份基础信息共享,实现信息动态更新。 (省公安厅、省发改委;持续实施)

4. Establish personal creditworthiness records in key fields.

All relevant departments should accelerate the establishment and improvement of mechanisms for regular collection, sharing, and use of personal credit records , promptly summarize creditworthiness information formed by relevant personnel in relevant activities and send it to the Public Credit Information platform, to ensure that information is truthful and valid, and bring about prompt and dynamic updates with the focus on industries such as food and drugs, production safety, fire safety, traffic safety, environmental protection, biological security, product quality, tax collection, health care, labor security, engineering and construction, financial services, intellectual property rights, judicial proceedings, e-commerce, and volunteer service; and the principal targets being the officials, legally-designated representatives and the relevant responsible persons for enterprises, lawyers, teachers, doctors, practicing pharmacists, appraisers, tax accountants, registered fire safety engineers, accountant audit personnel, real estate agents, certified personnel, financial professionals, and tour guides and other key professional groups. Encourage industry associations, chambers of congress, and other such industry organizations in establishing and completing member credit archives, and send relevant information to the Public Credit Information platforms of all levels. (省食品药品监管局、省安监局、省公安厅、省环保厅、省质检局、省国税局、省地税局、省卫计委、省人社厅、省住建厅、省交通运输厅、人行福州中心支行、省知识产权局、省法院、省检察院、省网信办、省发改委、省商务厅、省工商局、省民政厅、团省委、省公务员局、省司法厅、省教育厅、省财政厅、福建银监局、福建证监局、福建保监局、省旅发委、省经济信息中心;持续实施)

(3) Improving the mechanisms for personal information security, privacy protection, and credit restoration.

1.Protect the security of personal information.

各地各部门要严格按照规定建立健全并严格执行保障个人信息安全,以及信息记录、归集、交换、使用等相关标准规范和规章制度,加强全流程信用信息安全管理,做好数据库安全防护工作,防止信息泄露。 个人公共信用信息原则上不对外公示和共享,需对外公示的应严格按规范隐藏部分信息;有关部门查询、共享、使用公共信用信息平台的个人公共信用信息资源应严格依法依规按程序进行。 Strictly follow the relevant laws and regulations to increase the degree of oversight and management of credit appraisal establishments, to ensure that personal credit appraisal businesses are lawfully developed up to code, safeguard the lawful rights and interests of information entities, and ensure the security of state information. (省公安厅、省发改委、省工商局、人行福州中心支行、各有关部门;2017年12月底前完成并持续实施)

2. Strengthening Protections of Privacy.

Personal public credit information must not be collected except by authorization of laws and regulations, and the collection of information that laws and regulations provide shall be kept confidential, or provide shall not be collected, must not be collected. 加大对泄露、篡改、毁损、出售或非法向他人提供个人信息,以及非法窃取个人信息等行为的查处力度,对个人公共信用信息征集工作人员的信息外泄、倒卖等违法违规行为要依法依规惩处。 Draft and improve relevant supervision and management measures, strengthen privacy protections for personal information, implement key supervision and control of e-commerce platforms, financial institutions, credit appraisal establishments, internet enterprises, real-estate enterprises, courier logistics enterprises, big data companies, and mobile application program development enterprises; regulating their collection, provision, and use of personal information, and other activities. (省发改委、省网信办、省邮政管理局、省经信委、省工商局、人行福州中心支行、各有关部门;2018年12月底前完成并持续实施)

3. Establish mechanisms for restoring credit.

各地各部门要建立健全个人公共信用信息纠错、修复机制,按照《福建省公共信用信息管理暂行办法》进行异议处理、修复符合条件的相关主体的信用信息,依法依规处理行政复议申请等相关诉求。 公共信用信息主管部门应按照《福建省公共信用信息管理暂行办法》及相关法律法规和国家有关工作部署,明确各类公共信用信息展示期限,不再展示和使用超过期限的公共信用信息。 Clear channels for the restoration of credit, enrich the methods for credit restoration, explore methods such as active performance of obligations, applications for extensions, and providing explanations, to reduce the harm from breaking trust, and methods such as on time performance of obligations, volunteer service, and charitable donations to restore credit, and create a new credit image. (省直各有关部门,各设区市人民政府、平潭综合实验区管委会;持续实施)

(4) Standardizing the sharing and usage of personal creditworthiness information

1. Promote sharing of personal public credit information.

各部门要严格按照统一的分类标准和共享交换规范,梳理各行业领域个人公共信用信息征集目录,报送省社会信用体系建设领导小组办公室汇总形成《福建省自然人公共信用信息征集指导目录》,根据机构职能变化及国家有关要求进行动态调整,并及时、持续将信息归集至省公共信用信息平台。 各设区市、平潭综合实验区信息归集目录和路径原则上参照设置。 依托各级公共信用信息平台建立省、市自然人公共信用信息数据库,各地各部门要及时采集、动态更新个人公共信用信息并归集至省公共信用信息平台,逐步建立跨区域、跨部门、跨行业的信息互联、互通、互查机制。 (省直各有关部门,各设区市人民政府、平潭综合实验区管委会;持续实施)

2. Actively carry out personal Public Credit Information services.

各地各部门要依法依规向社会提供个人公共信用信息授权查询服务,明确查询使用权限和程序,建立个人信息查询使用登记和审查制度,要求企业、金融机构、征信机构等社会主体在查询个人公共信用信息时需经自然人本人授权,要求自然人查询本人公共信用信息应出具本人有效身份证明,逐步依靠信息化手段向自然人本人提供公共信用信息平台线上查询服务。 Explore management mechanisms based on connecting categorical management of Public Credit Information and creditworthiness credits, support areas and fields with the capacity in innovating and putting out 'citizen credit cards' and other services, so long as personal information security is protected. 推动省级个人公共信用信息数据库与金融信用信息基础数据库的共享,并向有资质的个人征信机构提供服务。 (省发改委、人行福州中心支行,各设区市人民政府、平潭综合实验区管委会,各有关部门;2017年12月底前完成并持续实施)

(5) Improving the mechanism for rewarding personal trustworthiness and punishing untrustworthiness

1. Provide greater services and facilitation to those individuals with positive credit.

各有关部门应制定本领域个人守信行为认定、等级划分和分类监管标准规范,将有关部门和社会组织实施信用分类监管确定的信用状况良好的行政相对人、诚信道德模范、优秀志愿者,社会组织推荐的诚信会员,以及新闻媒体挖掘的诚信主体的相关信息共享至联合奖惩信息系统,实施守信联合激励。 包括但不限于以下措施:对具有优良信用记录的个人,在教育、就业、创业、社会保障等领域给予重点支持,尽力提供更多便利服务;在评先评优、资格荣誉、奖励扶持等方面予以优先考虑。 In the course of handling administrative permits, reviews for approval and other such processes, facilitation service measures such as "green channels" and "permissive acceptance" [acceptance despite defects in materials] may be lawfully employed for individuals good credit records and administrative counterparts who have not had any negative credit information recorded for three consecutive years. Encourage social establishments to lawfully use credit reporting products, and give preferential treatment and facilitation to individuals with good credit records, making it so that the trustworthy obtain greater opportunities and benefits in the marketplace. (省委宣传部、省发改委、人行福州中心支行、省民政厅、团省委、省教育厅、省人社厅,各有关部门,各设区市人民政府、平潭综合实验区管委会;2018年12月底前完成并持续实施)

2. Carry out joint disciplinary action for individuals in key industries with serious untrustworthy conduct.

All relevant departments should draft systems that designate untrustworthy conduct in the corresponding field, delineate levels, have categorical supervision of managment, and send the relevant information about acts untrustworthiness to the joint incentive and punishment information system for sharing, such as information on acts that seriously endanger the public's safety in their health and lives, those that seriously undermine the order of fair market competition and social justice, refusals to perform legally prescribed obligations seriously influencing judicial and administrative organs credibility, as well as refusals to perform national defense obligations. 将恶意逃废债务、骗取财政资金、行贿受贿、非法集资、电信诈骗、网络欺诈、金融欺诈、交通违法、不依法诚信纳税、骗取就业创业和社会保险相关优惠政策及基金等严重失信个人列为重点监管对象,依法依规采取行政性约束和惩戒措施。 At the same time that joint disciplinary action is conducted against untrustworthy enterprises and public institutions, corresponding joint disciplinary action should be taken against the relevant responsible persons, in accordance with laws, regulations, and policies, and make joint disciplinary action reach down to the individual. (省发改委、省网信办、省法院、省公安厅、省财政厅、省交通运输厅、省经信委、省国税局、省地税局、人行福州中心支行、福建银监局、福建证监局、福建保监局、各有关部门;2017年12月底前完成并持续实施)

3. Promote the formation of market and social constraints and punishments.

建立健全个人严重失信行为披露、曝光与举报制度,依托各级政府门户网站、政府部门门户网站、信用门户网站,依法依规向社会公开披露各级政府掌握的个人严重失信信息,并汇总到“信用福建”网站集中展示。 Encourage market entities to provide differentiated services to seriously untrustworthy individuals. Support qualified third-party credit service establishments in collecting information on seriously untrustworthy conduct and including it in credit records and reports. (各有关部门,各设区市人民政府、平潭综合实验区管委会;2017年12月底前完成并持续实施)

III. Strengthening safeguard measures

(1) Strengthening organizational leadership.

各地各部门要按职责分工细化制定本地、本部门具体工作方案,明确工作任务和时间节点,部署实施本地和本领域个人诚信体系建设工作。 有条件地区、有关重点行业领域要研究出台配套实施方案,相关单位应加强协作配合,确保各项任务落到实处。 省发改委会同有关部门负责对本实施方案落实工作的统筹协调、跟踪了解、督查指导,委托第三方机构对相关工作执行情况进行评估,确保各项工作平稳有序推进。 (省发改委、人行福州中心支行,各有关部门,各设区市人民政府、平潭综合实验区管委会;持续实施)

(2) Establish a system of laws, regulations, and standards on credit.

Gradually establish and improve the system of regulations on the establishment of an personal creditworthiness system, strengthening protections of personal information security and personal privacy, vigorously preserving entity rights and lawful rights and interests of personal information, improve systems for regulating all phases in for personal public creditworthiness information, such as for its recording, aggregating, processing, inquiry, and application; creating a positive legal environment for the establishment of an personal creditworthiness system. (省发改委、人行福州中心支行、省政府法制办、各有关部门;持续实施)

(3) Expand the extend of monetary support.

All areas and departments should expand financial investment in the establishment of social credit system, and actively provide financial support for the organization efforts on the construction of an personal creditworthiness system. Expand the extent of financial support for all levels and all sides such as for establishment of personal public credit information databases, application of information, publicity and education, and cultivation of talent, to ensure that each item is put in place and implemented. (省财政厅,各有关部门,各设区市人民政府、平潭综合实验区管委会;持续实施)


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