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

Source:http://www.creditchina.gov.cn/zhengcefagui/zhengcefagui/difangzhengcefagui1/201807/t20180724_121455.html

This implementation Plan is drafted 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) , to acclerate the advancement of the establishment of Anhui Province's personal creditworthiness system, and to raise the whole society's awareness of creditworthiness and credit levels.

I. General Requirements

Fully put in place the spirit of the 18th Party Congress and it's 3rd, 4th, 5th, and 6th plenary sessions; thoroughly implement the spirit of General Secretary Xi Jinping's series of important talks, especially his important talk when inspecting Anhui; follow the decisions and deployment of the Province's 10th Party delegate confrence to take the core socialist values as the root in education and practice from which to vigorously promote a culture of creditworthiness; persist in the principles of government taking the lead and society jointly builiding, completing a legal system, regulated development and comprehensive advancement with breakthroughs in key areas, strengthening use, and joint punishments and rewards; carry forward a culture of creditworthiness, accelerating the establishment of personal records of creditworthiness, establishing personal Public Credit Information databases, improve systems of rules and regulatory standards for personal information security, privacy protections, and credit restoration; complete mechanisms for rewarding trustworthiness and for joint disciplinary action against untrustworthiness that cross regions, departments, and fields' , letting creditworthiness become the value commonly pursued by the entire society and code of conduct, actively creating a positive social environment where "trustworthiness is honored and trustworthiness is shameful", so as to provide support for the coordination, establishment and creation of an open sharing and beautiful Anhui.

II. Strengthening the education on personal creditworthiness

(1) Vigorously promote a culture of creditworthiness. Put the construction of a culture of creditworthiness in a prominent position, cultivate and practice the socialist core values. Include citizen creditworthiness in citizen conventions, village rules and resident contracts, industry regulations, and so forth. Forcefully spread credit awareness, and have creditworthiness education run through the entire process of establishing citizen's morality and building a spiritual civilization. Forcefully advocate the concepts of the culture of creditworthiness, "creditworthiness, sincerity, trustworthiness, and accountability". Establish and use good person pavilions, forcefully publicizing those who have turned themselves around, moral models and creditworthy businesses; select and introduce examples of creditworthiness, giving the entire society role models to follow and goals to pursue. 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、省文明办牵头，省网宣办、省发展改革委、省教育厅、省人力资源社会保障厅、省文化厅、省新闻出版广电局、团省委等按职责分工负责）

(2) Carry out widespread publicity on creditworthiness. Take Spring Festival, Labor Day, Children's Day, National Day, Credit Worthiness for Prosperity Publicity Month, Quality month, Production Safety Month, Creditworthiness Assistance Publicity Month, Credit Reporting Publicity Month, Creditworthy Activities Week, International Consumer Rights Day, Online Creditworthiness Publicity Day, the National Day of Credit Concern, Credit Consumerism for All 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. Integrate China's traditional culture of creditworthiness with modern values, creating a series of artwork and public interest advertisements on creditworthiness that are diverse in subject matter and lively in presentation, films shot closely related to the people's lives and delightful for the masses, use rich media for creditworthiness publicity, increasing the frequency of creditworthiness publicity, and raising the level of creditworthiness publicity. Carry out special education and governance activities targeting key groups and individuals where creditworthiness is lacking or where there are pressing requirements for the establishment of creditworthiness. （省委宣传部、省文明办、省网信办、省发展改革委、省教育厅、省司法厅、省人力资源社会保障厅、省商务厅、省工商局、省新闻出版广电局、省质监局、省安全生产监管局、团省委、人行合肥中心支行等按职责分工负责）

(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 of higher learning with the capacity in developing majors related to social credit administration. Rely on the school registration system to collect Public Credit Information during their enrollment, establishing and completing archives on the creditworthiness of adult students 18 years old or older by the end of June 2018, and making students' personal creditworthiness an important measure in their advancement, graduation, assessments and recognitions, issuance of scholarships, evaluations, recommendations and other such situations. Untrustworthy acts such as cheating on tests, academic fraud, not performing on promises to return financial assistance loans, or fabricating employment materials, are to be met with education and punishment, and the relevant information entered into their personal credit archive in accordance with laws and regulations. Implement systems for credit management professional training and assessment, and formulate practice standards for credit service establishments and their practitioner staffs by the end of 2017 Encourage all types of social organizations and enterprises to construct credit management and education systems, Organize the drafting of texts and story picture books on credit knowledge issued to government departments, market entities, schools, and the public, spreading credit knowledge . （省教育厅、省发展改革委、省民政厅、省人力资源社会保障厅、省工商局等按职责分工负责）

(4) Actively choose and establish exemplars of creditworthiness. Give full play to the role of media in publicity and guiding public opinion, vigorously uncovering and publicizing examples of creditworthiness as selected by relevant departments and social organizations such as administrative counterparts with positive credit situations, 'businesses that 'follow contracts and value credit', and creditworthy models of morality. Organize all websites to carry out special topics on internet creditworthiness, regularly publicizing and promoting exemplars of creditworthiness, deeds of creditworthiness, to put forth a wave of high-quality online cultural projects, on the theme of creditworthiness, and strengthen using cases of online untrustworthiness as warning lessons. Each relevant department and social organizations should establish a system for selecting and recommending examples of creditworthiness, periodically providing society with those with no negative credit record and with examples of creditworthiness, relying on the provincial Public Credit Information sharing platform to share Public Credit Information, and promote joint incentive measures for trustworthiness that cross-departments, cross- fields. （省委宣传部、省文明办、省网信办、省发展改革委、省工商局、团省委等按职责分工负责）

III. Accelerating the establishment of personal creditworthiness records

(1) Implement personal real-name registration systems. In accordance with the national deployment, put in place a uniform social credit number system with the citizen identification number system as its foundation. Strengthen the collection and updating of resident identification information, promote efforts to register fingerprint information on resident identity cards, and bring about full coverage of citizens' uniform social credit numbers. Regulate the use of identification information, strengthening sharing of basic personal information. Utilize information technology methods to continuously strengthen efforts to review personal identity information, ensuring uniqueness of personal identity distinguishing information. Follow laws and regulations to determine the scope of implementation for real-name identification systems, and fully implement the establishment of real-name registration systems using the healthcare, transportation, transportation of hazardous materials, internet, mail and couriers, telecommunications, financial accounts, employment and social security, and other such areas as the focus, so as to accurately collect personal creditworthiness records and create a foundation for joint rewards and punishments. Before the end of June 2018, make it so that the the provincial basic population information archive is connected with the the provincial Public Credit Information sharing service platform, strengthening sharing of basic identity information. （省发展改革委、省网信办、省公安厅、省民政厅、省人力资源社会保障厅、省交通运输厅、省卫生计生委、省政府金融办、省通信管理局、省邮政管理局、人行合肥中心支行等按职责分工负责）

(2) Establish personal creditworthiness records in key fields. The relevant departments should accelerate the establishment and improvement of mechanisms for forming personal credit records, promptly summarize creditworthiness information formed by relevant personnel in relevant activities, to ensure that information is truthful and accurate, and bring about prompt and dynamic updates with the focus on industries such as food and drugs, production safety, circulation services, intermediary services, exhibitions and advertising, public resource trading, education and research, travel businesses, internet applications and services, fire safety, traffic safety, environmental protection, biological security, product quality, tax collection, health care, labor security, engineering and construction projects, financial services, intellectual property rights, judicial proceedings, e-commerce; and the principal targets being officials, legally-designated representatives and the relevant responsible persons for enterprises, lawyers, teachers, doctors, practicing pharmacists, appraisers, tax accountants, registered fire safety engineers, environmental protection impact assessment professionals, accountant audit personnel, personnel with registered credentials for residential urban-rural development, asset appraisers, real estate agents, certification professionals, scientific researchers, insurance operators, financial professionals, statistics professionals, news media practitioners,and tour guides and other professional groups; and before the end of 2017, each relevant department is to establish and improve mechanisms for forming and dynamically updating personal credit records, promptly collecting Public Credit Information formed in social activities, and sending it to the provincial Public Credit Information sharing service platform, bringing about exchanges and sharing of Public Credit Information. The Basic Financial Credit Information Databases and personal credit reporting establishments should vigorously develop personal credit reporting information aggregation and services in key fields. Encourage and lead industry associations, chambers of congress, and other such industry organizations in establishing and completing member credit archives, and send relevant information to the provincial Public Credit Information sharing service platforms. （省发展改革委、省网信办、省教育厅、省科技厅、省公安厅、省民政厅、省司法厅、省财政厅、省人力资源社会保障厅、省环保厅、省住房城乡建设厅、省交通运输厅、省商务厅、省文化厅、省卫生计生委、省地税局、省统计局、省工商局、省新闻出版广电局、省质监局、省旅游局、省政府金融办、省食品药品监管局、省安全生产监管局、省知识产权局、团省委、省国税局、人行合肥中心支行、安徽保监局等按职责分工负责）

IV. Improving the mechanisms for personal information security, privacy protection, and credit repair

(1) Protect the security of personal information. Before the end of 2017, each area and relevant department is to establish, complete, and strictly implement systems for recording, aggregating, exchanging, using, and ensuring the security of personal information, clarifying the management process and requirements for personal information in all stages, and doing a good job of database defense efforts, preventing information leaks. Strictly follow the relevant laws and regulations to increase the degree of both onsite and offsite supervision and management of units using the Basic Financial Credit Information Databases and credit reporting agencies, to ensure that personal credit reporting businesses are developed up to code, safeguard the lawful rights and interests of information entities, and ensure the security of state information. Before the end of June 2018, Establish credit archives for credit reporting establishments and there relevant personnel, and a 'blacklist' system for business violating rules. (The member units of the provincial inter-departmental conference on the establishment of the social credit system are responsible in accordance with their scope of authority)

(2) Strengthen privacy protections. Personal public credit information must not be collected except by authorization of laws and regulations. Increase the extent of investigation and handling of acts such as the disclosure, alteration, destruction, sale or illegal provision to other of personal information, as well as illegal stealing of personal information. Before the end of 2018, draft monitoring measures improving the collection, provision, use, and privacy protect for personal information, and implement key monitoring for financial establishments, credit reporting establishments, Internet enterprises, Big Data Companies, Internet finance companies, and mobile applications developers. （省发展改革委、省网信办、省公安厅、省经济和信息化委、省工商局、省政府金融办、省通信管理局、人行合肥中心支行、安徽证监局、安徽银监局、安徽保监局等按职责分工负责）

(3) Establish mechanisms for restoring credit. Before the end of 2017, establish mechanisms for the correction and restoration of personal public credit information, draft operational implementation regulations for management systems such as handling objections, complaints, and administrative reconsideration. Follow relevant laws and regulations and state deployments relating to announcement of administrative permits, administrative punishments and other credit information, clarifying the period for display of each type of Public Credit Information, and that Public Credit Information is not to be displayed again or displayed beyond the prescribed time. Clear channels for the restoration of credit, enrich the methods for credit restoration, use tactics such as education, training and strengthing guidance to support individuals who have untrustworthy conduct to restore credit and create a new credit image through 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. （省社会信用体系建设联席会议成员单位，各市、县人民政府等按职责分工负责）

V. Standardizing the sharing and usage of personal creditworthiness information

(1) Promote sharing of personal public credit information. Before the end of 2017, draft a provincial personal Public Credit Information catalog, with each relevant department following the directory's requirements to send Public Credit Information in their hands to the Provincial Public Credit Information sharing service platform. Before the end of June 2018, each municipality is to draft a personal Public Credit Information catalog for that city, and sending personal Public Credit Information that is collected to the provincial Public Credit Information sharing and exchange platform; before the end of 2018, draft standards for categorizing and regulating the exchange and sharing of personal Public Credit Information, relying on the provincial Public Credit Information sharing service platform to establish an individual Public Credit Information database, and gradually establishing mechanisms for interconnections, intercommunication, and mutally checking Public Credit Information that cross regions, departments, and industries. （省发展改革委牵头，省社会信用体系建设联席会议成员单位，各市、县人民政府等按职责分工负责）

(2) Actively develop personal public credit information services. Before the end of 2017, each area and relevant department is to follow the laws and regulations to establish and improve systems for registered use and review of inquiries into personal information, clarifying the authority and procedures for inquiries into personal information, to promptly provide society with authorized public credit information inquiry services in accordance with laws and regulations. Explore management mechanisms based on connecting categorical management of Public Credit Information and creditworthiness credits, encourage and support areas with the capacity in including personal Public Credit Information residents' creditworthiness in citizen cards, creating a 'citizen credit card'. Promote the establishment of relationships for sharing between provincial level Public Credit Information databases and Basic Financial Credit Information Databases, and provide services to personal credit reporting establishments. （省发展改革委、人行合肥中心支行牵头，省社会信用体系建设联席会议成员单位，各市、县人民政府等按职责分工负责）

VI. Improving the mechanism for rewarding personal trustworthiness and punishing untrustworthiness

(1) Provide greater services and conveniences to individuals with good credit. Establish good credit records for administrative counterparts with good credit circumstances, models of creditworthiness and morality, and exceptional volunteers that are identified through relevant departments and social organizations' implementation of categorical credit management; creditworthy members recommended by industry associations and chambers of commerce; as well as and creditworthy entities uncovered by news media; be put up as exemplars of creditworthiness and so forth; relevant departments of all areas should innovate incentive measures for trustworthiness and before the end of June 2017, preferentially implement specific measures giving key support and priority facilitation to creditworthy individuals in education, employment, opening businesses, social security, and other key fields. In accordance with their lists of authority and responsibility, by the end of 2017, all administrative approval departments should draft measures for facilitating services in the course of handling administrative permits, such as priority handling, simplified procedures, key supports, "green channels" and "permissive acceptance" [acceptance despite defects in materials] 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. （省社会信用体系建设联席会议成员单位，各市、县人民政府等按职责分工负责）

(2) Carry out joint disciplinary action for individuals in key industries with serious untrustworthy conduct. By June 2017, each relevant department should draft systems for designating untrustworthy personal conduct, delineating levels, and categorical oversight and management, to conduct categorical handling and rating of individual untrustworthy conduct in that field. By the end of 2017, all levels of departments leading the establishment of the social credit system should report aggregate and form and a list of punishment measures, as a basis for joint punitive action in all areas. Employ joint disciplinary action measures in accordance with laws and regulations against personal acts of untrustworthiness such as those 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. List seriously untrustworthy individuals as targets for key scrutiny, such as those who maliciously avoid debt, gain assets and funds through fraud, give or accept bribes, illegally fundraise, conduct telecom fraud, conduct internet fraud, conduct financial fraud, have traffic violations, do not lawfully and honestly pay taxes, or who obtain employment and entrepreneurship benefits and social security funds through fraud, and lawfully employ administrative restrictions and punishment measures against them. 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. Encourage Basic Financial Credit Information Databases and personal credit reporting establishments delivering records of serious personal untrustworthiness to the provincial credit information sharing services platform and being a consideration in carrying out punitive measures. （省发展改革委、省网信办、省编办、省高院、省公安厅、省财政厅、省交通运输厅、省地税局、省政府金融办、省通信管理局、省国税局、人行合肥中心支行等按职责分工负责）

(3) Promote the formation of market and social constraints and punishments. Before the end of June 2017, each area and relevant department should establish and complete systems for disclosure, exposure, and reporting of individual's serious untrustworthy acts, relying on the government portal websites of each region and department to publicly disclose information on serious untrustworthiness by individuals known by all levels of people's government in accordance with laws and regulations, and consolidate its announcement on the "Credit Anhui" website. Encourage market entities to provide differentiated services to seriously untrustworthy individuals. Support credit reporting establishments in collecting information on seriously untrustworthy conduct, including it in credit records and reports, and sending it to the Provincial Public Credit Information Services Platform. （省社会信用体系建设联席会议成员单位，各市、县人民政府等按职责分工负责）

VII. Strengthening safeguard measures

(1) Improve mechanisms for advancing work. Before the end of June 2017, Each area and relevant department should promptly draft specific work plans for that department on in accordance with their duties and division of labor, clarifying the tasks and timing for work stages. The provincial department leading the establishment of the social credit system should establish mechanisms for advancing work evaluations, periodically oversee, guide, and inspect each area and relevant department's efforts to establish a personal creditworthiness system, and retain third-party establishments to conduct assessments. （省发展改革委、人行合肥中心支行牵头，省社会信用体系建设联席会议成员单位，各市、县人民政府等按职责分工负责）

(2) Complete credit systems. Follow the national credit laws and regulations to 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. （省发展改革委、人行合肥中心支行、省法制办等按职责分工负责）

(3) Expand the extent of monetary support. All areas and relevant 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 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 truly implemented. （省财政厅，各市、县人民政府牵头负责）