Rongcheng Municipal Measures on the Management of Personal Creditworthiness Scores

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Chapter I: General Provisions

Article 1: The Following Measures are drafted on the basis of the "Shandong Provincial Social Credit Regulations" and the "Shandong Provincing Public Credit Information Management Measures, and in consideration of actual conditions in the city, in order to implement the General Office of the State Council's Guiding Opinions on Strengthening the Establishment of a Personal Creditworthiness System (Guobanfa(216)No. 98) and the General Office of the Shandong Provincial People's Government's Notice on Strengthening the Establishment Personal Creditworthiness System) (LvZhengBanFa(2018)No19), in order to accelerate and advance the establishment of the personal creditworthiness system and increase the entire society's awareness of creditworthiness.

Article 2: These Measures apply to establishing, using, and managing personal creditworthiness scores in the administrative region of Rongcheng city.

Article 3: "Individual" as used in these provisions, refers to natural persons over 18 years of age in the administrative region of Rongcheng city, including those with household registration in this city and non-local persons who hold residency permits.

Article 4: "Personal creditworthiness score" as used in these measures (may be referred to as "Seashell” or Rongcheng Points") refers to comprehensive scores that reflect citizens' individual credit status, formed through quantified scientific grading in accordance with uniform rating scoring models and on the basis of individuals' Public Credit Information, and corresponding labels indicating an individuals' credit status based on those scores.

"Individual Public Credit Information reports” refers to documents that fully record individuals' Social Credit Information and reflect individual credit status.

Article 5: The municipal Public Credit Information service bodies (hereinafter Public Credit Information bodies) are to lead and organize the implementation of the personal creditworthiness scoring system, coordinating the resolution of major issues in efforts to advance personal creditworthiness scoring and planning efforts to advance the establishment of the personal creditworthiness system.

Member units of the municipal leading group for the establishment of the social credit system are responsible for efforts such as the aggregation and sorting of individual credit information in the corresponding industry, field, department, or unit, and for information sharing and applying of outcomes.

All information providing entities are to complete efforts on Public Credit Information management in accordance with their duties.

Article 6: Personal creditworthiness scoring is to abide by the principles of 'informed consent, voluntary application, uniform standards, positive incentivization, dynamic management, and information sharing, and is to preserve individuals' lawful rights and interests and protect personal privacy.

Article 7: Where individuals consent to creditworthiness scored management, they shall sign a credit information authorization agreement document, where individuals do not consent to scored management, their Public Credit Information report is only to present their personal Social Credit Information.

Article 8: Promote pervasive incentive and punishment mechanisms; while recording information on commendations, awards, and serious untrustworthy conduct of state organs, public institutions, market entities, and other social organizations in the entity's credit records, concurrently record it in the Public Credit Information reports of their legal representatives, principle responsible persons, or actual controllers, and score them in accordance with standards for individuals.

Chapter II: Management of Creditworthiness Scores

Article 9: Creditworthiness scoring information as used in these Measures includes information on creditworthiness and administrative punishments, information from lists of serious untrustworthy entities, criminal punishment information, and other information on untrustworthiness; Basic information and other such information is not included in creditworthiness scoring information.

Article 10: Personal creditworthiness scores are based on a one-thousand-point system, and the default score is 1,000 points.

Calculation method: Creditworthiness score = 1000 + added score values - decreased values (credit reductions)

Article 11: On the basis of creditworthiness scoring information and creditworthiness scores, divisions are to be made into six levels, namely "model of creditworthiness, Exceptional Creditworthiness, Creditworthy, Creditworthiness Warning, Untrustworthy, and Seriously Untrustworthy“ to be labeled as AAA, AA, A(A+, A-), B, C, and D. Each level corresponds to a particular value as follows:

(1) The Model of Creditworthiness (AAA) level is for scores of 1050 points or more;

(2) The Exceptional Creditworthiness (AA) level is for scores of 1030 to 1049 points;

(3) In the Creditworthy (A+, A, A-) level, A+ is for scores of 1001 to 1029, A is for scores of 1000 points, and A- is for scores of 960-999;

(4) The Creditworthiness Warning (B) level is for scores of 850 to 959 points;

(5) The Untrustworthy (C) level is for scores of less than 849, where there is no information on entry into a list of seriously untrustworthy entities or have effective records of criminal punishments;

(6) The Seriously Untrustworthy (D) level is for those who have information on inclusion in seriously untrustworthy entities lists or on criminal punishments.

Article 12: Creditworthiness scoring employs the methods of index scoring and credit reductions.

Index scoring is based on adding (and subtracting) points based on point standards for creditworthiness information. See the attachment for a detailed personal creditworthiness scoring index.

Credit reduction refers to directly designation as level D for any with the four types of information for entities with serious untrustworthy conduct provided for in the Guiding Opinions of the State Council on Establishing and Improving the System of Joint Incentives for Trustworthiness and Joint Punishment for Untrustworthiness to Accelerate the Construction of Social Credit (Guo Fa [2016] No. 33) or with information on criminal punishments.

Article 13: Personal creditworthiness score indexes must be made public for the solicitation of public comments, and have dynamic adjustments and optimization made promptly based on actual conditions.

Article 14: Personal creditworthiness scoring is to be carried out in accordance with the following principles:

(1) Where two or more different indexes simultaneously apply to trustworthy or untrustworthy conduct, it is to be calculated in accordance with the highest point addition (reduction), and not counted cumulatively or duplicatively.

(2) Where two or more different indexes apply as a result of untrustworthy conduct receiving multiple sanctions or punishments, it is scored cumulatively;

(3) Where units obtain collective honors or commendations at or above the provincial and municipal levels or the equivalent, the unit's personnel are to have creditworthiness points added in accordance with the standard for one level lower;

(4) Where the city of Rongcheng is the subject of the commendation, the principle responsible persons for the leading unit are to be scored in accordance with the standards for individuals, and personnel of the leading unit are to have points added or subtracted in accordance with the standards for one level lower;

(5) Where districts, townships (neighborhoods) or villages, and communities are the subjects of commendations, the principal responsible person and responsible managers are to be scored in accordance with the standards for individuals.

(6) Where family or group honors and commendations such as 'exemplars of creditworthiness' or "greatest family" are received, in principle only the targets of the commendation are given points;

(7) All levels of comprehensive leadership group, committee, or other work body with principle party and government leaders as the group leader (director) are calculated as the same levels of party committee or government department, and offices established under them are implemented as the same level of Party committee or government department; All levels of comprehensive leadership group, committee, or other work body with deputy party or government leaders as group leader (director) are to be calculated as the same level of party committee or government department.

(8) For matters such as refusal to pay taxes, where the period for calculation is not clear, each period is to be 6 months;

(9) For other information without explicit point additions and subtractions, the score is to be determined on a case-by-case basis.

Article 15: The validity period for creditworthiness scoring assessments is to be in accordance with the following standards:

(1) Validity periods for assessments of information on untrustworthiness: For each item subtracting 40 or fewer points, the effective period is to be 1 year; for each item subtracting between 41 and 199 points, the effective period is to be 2 years; and where 200 or more points are subtracted the effective period is 3 years, and the effective period is 5 years for credit downgrades.

(2) Validity periods for assessments of information on creditworthiness: The effective period for additions of points for information on commendations, awards, or the equivalent from a municipal or County Level department or a township or neighborhood, is 1 year; the effective period for additions of points for information on commendations, awards, or the equivalent from a municipal department is 2 years; the effective period is 3 years where commendation, award, or equivalent is from a provincial department; and the effective period is 5 years for national-level commendations, awards, or equivalent; the effective period for all other point adding information is 1 year.

(3) The effective periods for assessments of both information on creditworthiness and untrustworthiness are all calculated from the date on which the information was formed; Where information was not promptly reported and the effective period is exceeded, it is no longer to serve as creditworthiness scoring information.

(4) Information on untrustworthiness is calculated from the date on which the untrustworthy conduct ends; where individuals are sentenced to a prison term or higher criminal penalty, the validity period of the assessment is 5 years from the completion of the sentence and their release.

Chapter III: Use of Results

Article 16: The use of personal creditworthiness scores shall adhere to the principle of making incentives the focus, personal creditworthiness scores cannot be used for joint disciplinary action of untrustworthiness, and must not restrict individuals' enjoyment of basic public services.

Article 17: Public Credit Information bodies are to aggregate personal credit information through the municipal Public Credit Information aggregation and services platform (hereinafter the municipal Public Credit Information platform), and are responsible for efforts on personal creditworthiness such as dynamic maintenance, expanding usage, publishing information, and policy inquiries.

Article 18: Real-name registration and verification should be implemented to make inquiries into one's own credit information through mobile smart terminals, and Public Credit Information reports may also be obtained for free through automatic terminals, service desks, and other channels. Valid personal identification documents shall be provided when making applications into one's own non-public information through automated service terminals and other digital platforms or at service desks.

Individuals voluntarily participating in personal credit worthiness scoring, may enjoy the 'credit for the people' incentive measures.

Article 19: Those inquiring into the personal creditworthiness scores of others shall provide relevant proof of authorization (or entrustment), the agreed-upon channel for inquiries, and valid identification documents or supporting documents.

Article 20: Individuals with positive credit may enjoy the following incentive measures:

(1) Being given key support and priority facilitation in education, employment, entrepreneurship, social security, and other areas.

(2) Green channels, simplified procedures, and other facilitation in administrative management and public services; and application of systems such as for credit pledges and permissive acceptance;

(3) Enjoyment of benefits and facilitation in areas such as transportation and travel, tourism and leisure spending, financial lending, and medical care;

(4) Where other requirements are equal, give them priority consideration in activities such as media promotion and selection for honors;

(5) Other incentive measures as provided by the State or province.

Article 21: Relevant departments shall consider their own duties in researching and drafting their department's detailed implementation rules for personal creditworthiness score incentive measures and actively explore the use of personal creditworthiness score measures to benefit the people.

Article 22: Market entities are encouraged to carry out privatized "credit for the people" scenarios to incentivize trustworthiness, and financial institutions are to be supported in exploring the application of personal creditworthiness scores and derivative scores in areas such as financial credit lending.

Article 23: Support towns and neighborhoods in coordinating and establishing creditworthiness funds through multiple channels, to praise and encourage examples of creditworthiness, and actively create a social atmosphere of honesty and trustworthiness.

Article 24: Strengthen cooperation with other cities, promoting mutual recognition of personal creditworthiness scores across regions, and mutual sharing of "credit for the people" incentive measures

Chapter IV: Safeguard Measures

Article 25: Where individuals have objections to their own personal credit information or creditworthiness score, they may raise an objection application to the entity providing the information or the Public Credit Information bodies.

After the relevant departments receive an objection application, where it is within the scope they are to address, they shall conduct a review and make a disposition within 3 working days of receiving the objection application, and notify the applicant of the outcome; where it is necessary for other units to assist in reviewing information, a review and disposition shall be done within 7 working days of receiving the objection application, and notify the applicant of the outcome.

Where an error is found through investigation, they shall make corrections or deletions within 2 working days.

Article 26: Clear channels for the restoration of credit, enrich the methods for credit restoration and explore methods of credit restoration such as through actively fulfilling agreements, practicing civilly, volunteer service, and charitable donations.

Article 27: Public Credit Information bodies shall update the creditworthiness score of individuals who meet the following requirements within 15 working days:

(1) There is a major change to the outcome of administrative or judicial handling;

(2) An administrative punishment or a judicial judgment or ruling is revoked;

(3) There is an error in scoring, the individual submits a written application, and it is verified through investigation;

(4) Other situations where creditworthiness scores should be updated.

Article 28: Where refusals to perform legally-prescribed obligations impact the credibility of judicial or administrative organs, then after the proactive performance of the duties and upon the consent of the information providing unit, credit restoration may be reduced by 80 points for an effective period of 2 years.

Article 29: Public Credit Information bodies shall strictly enforce state provisions related to security protections for information systems, establish and complete systems for information security management and emergency response, complete efforts on database security protection, establish systems for registering and reviewing credit information inquiries and use, to prevent information leaks.

Information providing entities shall establish and improve safeguard systems for credit information security, and increase personal information security and the protection of individual privacy.

Chapter V: Supplementary Provisions

Article 30: Where not specified in these provisions, "at least" ("or higher"), and "up to" ("or fewer") includes the named level or number.

Article 31: "Commendations" as used in these provisions, refers to all types of commendation activity for reaching assessment standards, aimed at any level of department or a corresponding system or industry, that the Party Central Commission, State Council, or the provincial party commission or government have approved party organs, people's congress organs, supervision organs, adjudication organs, procuratorate organs, people's organizations, and social groups approved for a waiver of registration, as well as their subordinate units, to carry out.

Article 32: These Measures are to be implemented from June 18, 2021, and be effective through June 17, 2026. The Rongcheng Municipal People's Government's Notice on the Release of the Rongcheng Municipal Measures on the Management of Members of Society's Credit Points and Credit Assessments (RongZhengFa (2019) No.1) is concurrently repealed. Where other credit regulation documents already issued by this city do not accord with these Measures, these Measures are controlling.

 

ATTACHMENT: Rongcheng Municipal Creditworthiness Scoring Index
Attachments:

Rongcheng Municipal Creditworthiness Scoring Index

 

Information on untrustworthinessLists of seriously untrustworthy entitiesCreditworthiness Information
Information ItemScoring IndexPoints Added or SubtractedNotes
Information on refusal to pay taxes Refusing to pay the taxes that shall be paid according to law-50
Had compulsory enforcement or preservation measures taken against them by the taxation organs-80
Was identified as an irregular household due to failure to make tax declarations etc. -80
Refusing to pay the social insurance fees required by law-50
Refusing to pay administrative fees required by law-50
Refusing to pay into government funds as required by law-50
Information on FalsificationProviding false materials, concealing the truth, harming the order of social management and the public interest-30
Fraudulently obtaining social insurance benefits-40
Plagiarism, Copying, and other academic misconduct-40
Fraud, cheating, and falsification in a unified examination-40
Fraud in academic research, professional title evaluations, and other such work-40
Employing illegal methods to fraudulently obtain honors or programs -50
Obtaining administrative permits, administrative confirmations, administrative payments, and related operations by improper means such as deception or bribery-50
Credit Pledges Making false declarations or credit pledges -30
Not fulfilling credit pledge obligations-40
Judicial Enforcement InformationHaving been entered on the list of restrictions for high-spending-200
Refusing to fulfill legally-prescribed obligations, impacting the credibility of judicial or administrative organs, and after proactively performing the legally-prescribed obligations, restoring credit with the consent of the information providing unit.-80
Criminal Punishment Information Received a criminal punishment-600
Arbitration Judgment InformationNot performing on effective arbitration documents as required-100
Refusing to perform on effective arbitration documents -200
Not performing on affective administrative rulings or other administrative act and decision documents as required -100
Refusing to perform on effective administrative rulings or other administrative act or decision documents-200
Administrative Penalty InformationGiven an administrative punishment of having criticism circulated -5
Having a fine of 500 RMB or less imposed as administrative punishment-10
Having a fine of between 500-1000 RMB (including those numbers) imposed as administrative punishment -20
Having a fine of between 1000-5000 RMB (including those numbers) imposed as administrative punishment -30
Having a fine of between 5000-10,000 RMB (including those numbers) imposed as administrative punishment -40
Having a fine of between 10,000 and 50,000 RMB (including those numbers) or less imposed as administrative punishment -60
Having an fine of 50,000-100,000 yuan (including those numbers) imposed as administrative punishment-100
Having a fine of more than 100,000 RMB imposed as administrative punishment-200
Having unlawful gains valued at up to 1000 RMB confiscated-20
Having unlawful gains valued between 1,000 and 5,000 RMB (including those numbers) confiscated-30
Having unlawful gains valued between 5,001 and 10,000 RMB (including those numbers) confiscated-40
Having unlawful gains valued at 10,000 RMB or more confiscated-60
Receiving an administrative punishment of temporary suspension of permits-200
Receiving an administrative punishment of having credential levels reduced -200
Given an administrative punishment of restriction on production and business activities -200
Given an administrative punishment of restricting practice in a field-200
Given an administrative punishment of being ordered to stop operations-200
Given an administrative punishment of having permits cancelled-400
Administrative Penalty InformationBeing given an administrative punishment of being ordered to close down. -400
Given an administrative punishment of a permanent restriction on carrying out production or business activities-400
Being given an administrative punishment of a lifetime restriction on engaging in a field-400
Receiving an administrative punishment of administrative detention (up to 5 days) -160
Receiving an administrative punishment of administrative detention (6-10 days) -200
Receiving an administrative punishment of administrative detention (11 or more days) -400
Receiving other administrative punishments in accordance with laws and regulations-20 to -400
Information on Administrative Compulsion Being subject to enforcement methods such as additional fines or late payment penalties -40
Being subject to compulsory enforcement methods of deposit transfer and remittance-60
Being subject to compulsory enforcement methods such as having venues, facilities, or property auctioned, sealed, or seized in accordance with law. -80
Being subjected to compulsory enforcement methods such as eliminating obstacles or restoring original conditions-80
Being subject to administrative enforcement measures such as proxy performance-100
Being subject to other compulsory enforcement measures -20 to -100
Party discipline informationReceived a warning-50
Received a serious warning-70
Those who have been punished by removal from Party positions-100
Received Party probation-150
Received a sanction of expulsion from the Party -300
Government Sanctions InformationReceived a warning-50
Received demerits -60
Received major demerits-70
Received a demotion-100
Being removed from posts -150
Receiving a sanction of dismissal-300
Industry disciplinary informationReceived warnings from industry associations or chambers of commerce-5
Receiving a circulation of criticism from industry associations or chambers of commerce-10
Receiving public censure from industry associations or chambers of commerce-15
Receiving a penalty of non-acceptance from an industry association or chamber of commerce-20
Receiving a penalty of being encouraged to resign from an industry association or chamber of commerce-30
Other information on untrustworthiness Other information on untrustworthiness as provided by the state or province-10 to -400
Seriously endangerment of people's health and safetyDesignation on the list of seriously untrustworthy entities in the food and drug production field-600
Designation on the list of seriously untrustworthy entities in the environment field-600
Designation on the list of seriously untrustworthy entities in the construction field-600
Designation on the list of seriously untrustworthy entities in the production safety field-600
Designation on the list of seriously untrustworthy entities in the fire safety field-600
Designation on the list of seriously untrustworthy entities in the mandatory production ceritifications field-600
Seriously undermining the order of fair market competition and normal social orderDesignation on the list of seriously untrustworthy entities for bribery-600
Designation on the list of seriously untrustworthy entities for tax evasion and fraud -600
Designation on the list of seriously untrustworthy entities for malicious debt evasion-600
Designation on the list of seriously untrustworthy entities for malicious non-payment of payments for goods or service fees-600
Designation on the list of seriously untrustworthy entities for malicious salary arrears -600
Designation on the list of seriously untrustworthy entities for illegal fundraising -600
Designation on the list of seriously untrustworthy entities for contract fraud -600
Designation on the list of seriously untrustworthy entities for organizing pyramid schemes -600
Designation on the list of seriously untrustworthy entities for operating without a license -600
Designation on the list of seriously untrustworthy entities for intentionally violating intellectual property rights -600
Designation on the list of seriously untrustworthy entities for lending or borrowing qualifications in bidding-600
Seriously undermining the order of fair market competition and normal social orderDesignation on the list of seriously untrustworthy entities for bid-rigging or collusion -600
Designation on the list of seriously untrustworthy entities for false advertising-600
Designation on the list of seriously untrustworthy entities for the lawful rights and interests of consumers or investors in securities and futures -600
Designation on the list of seriously untrustworthy entities for seriously undermining the order of cyberspace transmissions -600
Designation on the list of seriously untrustworthy entities for assembiling to disrupt social order -600
Refusal to fulfil legally-prescribed obligations, seriously impacting the credibility of judicial organsDesignation on the list of seriously untrustworthy entities for evading enforcement by judicial or administrative organs' judgments or decisions. -600
Designation on the list of seriously untrustworthy entities for having the ability to fulfill a judgment or decision by a judicial or administrative organ but refusing to do so-600
Being listed as a judgment defaulter -600
Refusal to fulfill national defense obligations

 

Being listed as a seriously untrustworthy entity for refusing to perform national defense obligations, refusing or evading military service -600
Designation as a seriously untrustworthy entity for refusal or delay of expropriation of civil resources or obstructing reform of expropriated civil resources -600
Being designated as a serious untrustworthy entity for endangering national defense interested -600
Being designated as a serious untrustworthy entity for destroying national defense facilities-600
Other information from lists of seriously untrustworthy entitiesOther lists of seriously untrustworthy entities as provided by the state or province-600
Information on Volunteer Service (Community Service and Rural Service calculated cumulatively from separate archives) 10hrs of cumulative volunteer service +2Maximum 50 points/yr for volunteer service
Cumulative volunteer service reaching 20 hours+5
Cumulative volunteer service reaching 50 hours+10
Cumulative volunteer service reaching 80 hours +15
Cumulative volunteer service reaching 100 hours+20
Cumulative volunteer service reaching 150 hours+25
Cumulative volunteer service reaching 200 hours+30
Information on Volunteer Service (Community Service and Rural Service calculated cumulatively from separate archives) Cumulative volunteer service reaching 250 hours+40Maximum 50 points/yr for volunteer service
Cumulative volunteer service reaching 300 hours+50
Information on New Era Civilization Practice ActivitiesEvery 10 hrs+1Max 5 points/yr
Returning lost/found funds (calculated cumulatively) Returned between 100-1000 RMB +2 

Max 10 points/ yr

 

Returning found funds in the amount of 1001-5000 RMB+3
Returning found funds in the amount of 5001-10,000 RMB+5
Returned more than 10,000 RMB+10
Information on donations (donations to charitable federations, rural areas and communities, but not including donations directly to municipal departments and towns)For cash donations of 100-1000 RMB, add 1 for every 100 RMB;

For donations of items valued 200-2000 RMB, 1 point will be added for every 200 yuan

+10Max 40 points/yr
For monetary donations of 1001-5000 RMB, 1 point will be added for every 400 RMB;

For material donations of items valued 2,001-10,000 RMB, 1 point will be added for every 800 yuan

+10
For monetary donations of 5,001-10,000 RMB, 1 point will be added for every 500 RMB;

For material donations valued 10,001-20,000 RMB, 1 point will be added for every 1,000 yuan

+10
For monetary donations of more than 10,000 RMB, 1 point will be added for every 1,000 RMB;

For material donations of more than 20,000 RMB, 1 point will be added for every 2,000 RMB

+10
Commendation informationReceived Commendations Awarded by Rongcheng Municipal Department+5
Received a commendation from a municipal level department in this province+15
Received a county-level commendation +20
Received a provincial ministry department commendation +25
Received municipal level commendation in this province+30
Received a provincial ministry level commendation+60
Received a national level commendation +100
Information on circulated praiseReceived a Rongcheng city departmental notice of praise+3
Received a notice of praise by a municipal department in the province+10
Received a county level notice of praise+15
Information on circulated praiseReceived a provincial ministry department notice of praise+20
Received a notice of praise from a municipal government in the province+25
Received a provincial ministry level notice of praise+50
Received a national level notice of praise+80
Information on joint incentivesInclusion in a list of targets of joint incentives for trustworthiness +20
Had a higher-level evaluation grade in industries such as taxation+10
Information on Administrative AwardsReceived an award+15
third-class award+25
second-class award +40
first-class award +60
Received an administrative honorific +100
Civil Service Award InformationReceived an award+15
third-class award+25
second-class award +40
first-class award +60
Received a civil servant title award +100
Information on awards for public institution staffReceived an award+15
Merrit +25
Major merrit+60
Received a title award for public institution staff +100
Other information on creditworthinessOther trustworthy behaviors will be awarded extra points in light of the circumstances+1 to +5

 

 

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