Source:http://www.creditchina.gov.cn/zhengcefagui/zhengcefagui/difangzhengcefagui1/201807/t20180719_120949.html
All prefecture and municipal people's governments, and all provincial commissions, offices, departments, and bureaus;
The following Plan is hereby drafted in light of the actual conditions of out province and upon approval of the provincial people's government, 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 strengthen the construction of a personal creditworthiness system, actively creating a positive social environment where 'trustworthiness is honored and untrustworthiness is shameful':
I. Strengthening education on personal creditworthiness
(1) Vigorously promote a culture of creditworthiness. Put the establishment of a culture of creditworthiness in an prominent position, using the cultivation and practice of the core socialist values as a base in 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. 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. （省新闻办牵头；各州、市人民政府，省直有关部门按照职责分别负责。 2017年底前完成）
(2) Carry out widespread publicity on creditworthiness. Take Spring Festival, International Consumer Rights Day, Labor Day, Children's Day, Online Credit Publicity Day, the National Day of Credit Concern, Credit Worthiness for Prosperity Publicity Month, National Day, National Constitution Day and National Legal Publicity Day, and provincial days for financial publicity, together with other important times and holidays and legally prescribed holidays, for concentrated publicity on credit policies and regulations, credit information, and type cases. Promote the creation of art works and public interest advertisements on creditworthiness that blend the traditional Chinese culture of creditworthiness with modern values, enriching the media for publicity on creditworthiness, increasing the frequency of publicity of creditworthiness, and raising the level of publicity on creditworthiness. （省新闻办牵头；省新闻出版广电局、工商局、商务厅、金融办、司法厅，省法院，人民银行昆明中心支行，各级政府按照职责分别负责。 持续实施）
(3) Actively market examples of creditworthiness. Each industry, department, and social organization should actively carry out activities to select examples of creditworthiness such as creditworthy models of morality and exceptional volunteers, proactively providing relevant news leads to the media. All levels of media should give full play to their own function of publicizing and guiding public opinion, forcefully carrying out publicity activities. All websites should 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. Support relevant departments and social organizations in recommending exemplars of creditworthiness and persons with no negative credit record to the public, and promote cross-departmental and cross-field measures for the joint reward of trustworthiness. （省新闻办，省委网信办，省新闻出版广电局、文化厅等部门按照职责分别负责。 2018年底前完成）
(4) Comprehensively strengthen creditworthiness education in schools. Make education on creditworthiness an important part of the ideological and moral education of students in elementary and secondary education, as well as schools of higher learning. Encourage schools of higher learning to develop courses relevant to the field of social credit. Support schools of higher learning that have the capacity in developing majors relevant to social credit administration. Promote schools strengthening social credit administration, establishing and completing archives on the creditworthiness of adult students 18 years old or older, promoting 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 obligations to return financial assistance loans, or fabricating employment materials, are to be met with education, and the relevant information entered into their personal credit archive in accordance with laws and regulations. （省教育厅牵头；人民银行昆明中心支行，省人力资源社会保障厅按照职责分别负责。 持续实施）
(5) Widely develop credit education and training. Establish and complete systems for professional training and specialized evaluation in credit management. Increase the extent of training for persons working in credit, enriching knowledge of credit, and raising the level of credit management. Encourage all types of social organizations and enterprises to construct credit management and education systems, Each prefecture and city should organize the writing of primers on credit knowledge and rely on all kinds of community (village) basic level organization to spread credit information to the public. （省人力资源社会保障厅、民政厅、教育厅、发展改革委等部门，各州、市人民政府按照职责分别负责。 2017年底前完成）
II. Accelerating the establishment of personal creditworthiness records
(1) Promote the improvement of personal real-name registration systems. With the citizen identification number system as a foundation, advance the establishment of a uniform social credit number system. Promote efforts to register fingerprint information on resident identity cards, bringing about full coverage of citizens' uniform social credit numbers. Utilize information technology methods to continuously strengthen efforts to review personal identity information, ensuring uniqueness of personal identity distinguishing information. Advance the establishment of real-name registration systems using the internet, mail and couriers, telecommunications, financial accounts and other such areas as the focus, so as to accurately collect personal creditworthiness records and establish a foundation. （省公安厅牵头；省委网信办，省发展改革委，省通信管理局、省邮政管理局、人民银行昆明中心支行按照职责分别负责。 持续实施）
(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, 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, authenication, e-commerce, and volunteer service; and the principal targets being the officials, legally-designated representatives and the relevant responsible persons for enterprises, lawyers, registered accountants teachers, doctors, practicing pharmacists, appraisers, tax accountants, registered fire safety engineers, accountant audit personnel, notaries, real estate agents, authentication personnel, financial professionals, and tour guides and other professional groups. 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 industry associations, commercial associations and other industry organizations to establish and complete membership credit archives. （各行业主管部门按照职责分别负责。 持续实施）
III. Improving the mechanisms for personal information security, privacy protection, and credit repair
(1) Protect the security of personal information. Relevant departments should strictly follow relevant provisions to establish and complete, and strictly implement, rules systems for ensuring information security, clarifying the scope of authority and procedures for using personal information reviews, doing good work on security and protection of databases, establishing and improving systems for personal information inquiry registration and review, to prevent information leaking. Strictly follow the relevant laws and regulations to increase the degree of oversight and management of the financial information basic database 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. Establish a credit archive and rule-breakers' "black list" system for credit reporting establishments and relevant personnel. （人民银行昆明中心支行，省发展改革委、金融办按照职责分别负责。 2017年底前完成）
(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. Implement key supervision and control of financial institutions, credit reporting establishments, internet enterprises, big data companies, and mobile application program development enterprises; regulating their collection, provision, use of personal information. （省法院，省委网信办，省公安厅、工商局、工业和信息化委、金融办，人民银行昆明中心支行按照职责分别负责。 2018年底前完成）
(3) Establish mechanisms for restoring credit. Establish mechanisms for the correction and restoration of personal public credit information, draft operational implementation regulations for management systems such as handling objections and administrative reconsideration. Clarify the display period for all kinds of public credit information, and no longer display or use public credit information that has exceeded the time limit. 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. （省发展改革委，人民银行昆明中心支行，各州、市人民政府按照职责分别负责。 2018年底前完成）
IV. Standardizing the sharing and usage of personal creditworthiness information
(1) Promote sharing of personal public credit information. On the foundation of the unified Public Credit Information Directory drafted and put out by the state, and the categorical standards and regulations for sharing and exchange, rely on each prefecture and city's credit information platform to establish a database of personal Public Credit Information. Rely on the national credit information platform and the provincial credit information sharing platform to gradually establish interconnected, intercommunicating, and mutually checking mechanisms that cross regions, departments, and industries. （省发展改革委，人民银行昆明中心支行，省公安厅、质监局，各州、市人民政府按照职责分别负责。 2018年底前完成）
(2) Actively develop personal public credit information services. All levels of government should promptly provide society with authorized public credit information inquiry services in accordance with laws and regulations. Explore mechanisms for categorical management based on personal public credit information and credibility score management. Areas and industries with capacity should establish relationships for sharing personal public credit information and basic financial credit information databases, and provide services to personal credit reporting establishments. （各级政府牵头；省发展改革委、公安厅、金融办，人民银行昆明中心支行等部门和单位按照职责分别负责。 持续实施）
V. Improving the mechanisms for rewarding personal trustworthiness and punishing untrustworthiness
(1) Provide greater services and conveniences to individuals with good credit. Establish good credit records for administrative subjects designated as having good credit during categorical credit oversight and managemement, for moral models of creditworthiness, for exceptional volunteers, and for creditworthy members recommended by industry associations and chambers of commerce, as well as creditworthy entities uncovered by the news media; and all levels of government should innovate incentivization measures for trustworthiness, giving key support in areas such as education, employment, and entrepreneurship to individuals with good credit records, and providing further facilitation services to the extent possible; and, in the course of handling administrative permits, facilitation service measures such as "green channels" and "permissive acceptance" [acceptance despite defects in materials] may be lawfully employed for individuals' with good credit records and administrative counterparts who have not had any negative credit information recorded for 3 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. （省发展改革委，人民银行昆明中心支行，省新闻办、教育厅、人力资源社会保障厅，具有行政许可职能的部门和单位，各州、市人民政府按照职责分别负责。 2018年底前完成）
(2) Carry out joint disciplinary action for individuals in key industries with serious untrustworthy conduct. 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. Lawfully advance the establishment of personal creditworthiness in the field of environmental protection, primarily targetting in the current period enterprises, public institutions, and other production businesses that violate laws and regulations on environmental protection, and where cases are transferred to the public security organs or constitute a crime, establish and improve environmental protection personal credit records for the directly responsible managers and other directly responsible personnel. List seriously untrustworthy individuals such as malicious debt evaders, illegal fundraisers, telecommunications and network defrauders, traffic violators, and those that do not pay taxes in accordance with law, as key targets for supervision, employing administrative constraint and punishment measures in accordance with laws and regulations. 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 making individual's records of serious untrustworthiness in market activities produced by Basic Financial Credit Information Databases and personal credit reporting establishments, delivered to the national credit information sharing platform through the provincial credit information sharing platform, and being a consideration in carrying out punitive measures. （省委网信办，省公安厅、金融办、财政厅、交通运输厅、环境保护厅、工商局、地税局、发展改革委，省法院，省国税局、省通信管理局、人民银行昆明中心支行、云南银监局、云南证监局、云南保监局，各州、市人民政府按照职责分别负责。 2017年底前完成）
(3) Promote the formation of market and social constraints and punishments. Establish and complete systems for disclosure, exposure, and reporting of individual's serious untrustworthy acts, relying on the "Credit Yunnan" and "Credit China" websites, to lawfully publicly disclose information on serious untrustworthiness by individuals known by all levels of government, and fully putting into play the function of overseeing societal public opinion, forming a powerful social deterrent. Encourage market entities to provide differentiated services to seriously untrustworthy individuals. Support credit reporting institutions in collecting information on serious untrustworthy conduct and including it in credit records and credit reports. （各级政府牵头；省新闻办、新闻出版广电局、发展改革委、金融办，人民银行昆明中心支行按照职责分别负责。 2017年底前完成）
VI. Strengthening safeguard measures
(1) Strengthen organizational leadership. All areas and departments should do overall planning and deployment for implementation of efforts to construct an personal creditworthiness system. Establish mechanisms for advancing workplace evaluations, and periodically urging, guiding, and reviewing the efforts to construct an individual creditworthiness system in that area or industry. （各州、市人民政府，省直有关部门按照职责分别负责）
(2) Strictly enforce laws and regulations on the establishment of a personal creditworthiness system. On the foundation of the national laws and 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, and application; creating a positive legal environment for the establishment of an personal creditworthiness system. （省法院，省发展改革委牵头；省直有关部门按照职责分别负责）
(3) Expand the extent of monetary support. All areas and departments should strengthen financial safeguards for the establishment of the social credit system, and actively give necessary financial support for the establishment of an personal creditworthiness system. （各州、市人民政府，省直有关部门按照职责分别负责）
(4) Strengthen the implementation of responsibility. All areas and departments should strengthen leadership and place great emphasis on efforts to establish an personal creditworthiness system, leading by example, strengthening awareness of responsibility, detailing the division of labor, clarifying the times and ensuring that responsibility, work, and implementation all reach down to the individual. The Provincial Development and Reform Commission, jointly with relevant departments, is responsible for the general coordination, tracking and investigating, urging and inspecting, to ensure that all works are steadily and orderly carried out. （各州、市人民政府，省发展改革委等部门按照职责分别负责）
Government Office of the Yunnan Provincial People's Government
2017/10/14
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