The establishment of a unified social credit code system in Ji'nan
source: Niu Yuanfei
in April 11th, Ji'nan issued a plan for the promotion of special education and governance in Ji'nan's moral field, which will promote the establishment of a perfect society. The credit system and the unified social credit code system make the discredited people restricted in the steps of raising school, employment, credit, production and operation, and personal consumption, so that people are "unwilling to lose faith, dare not lose faith and fail to trust".
employment credit and other restricted
Education fraud, money owed not to return, fraud occurs, businesses have no faith... In recent years, the frequent occurrence of similar incidents has caused the society to face a "credit crisis". In April 11th, the special education and management activities of the outstanding problems in the field of ethics in Ji'nan were held, and the promotion program for special education and management activities in the field of moral problems in Ji'nan was issued. It mentioned that Ji'nan will firmly establish and improve the integrity mechanism and promote the integrity of government affairs, business integrity, social integrity and division. The construction of the legal public trust promotes the establishment of a social credit system and a unified social credit code system, and forms a social environment for good and good faith through the policy orientation of punishing evil and promoting good and eliminating evil.
unified social credit code system is a social credit code system based on citizen ID number and organization code. The unified social credit code will be the only and invariable code of the subject of credit information. After the implementation of this system, the information that was originally scattered in various departments is expected to be shared. It also means that every citizen and every institution will have its own credit code, and that the property and other information about the credit will be integrated. The phenomenon that one person has multiple homes in different cities will be difficult to "dive", and some individuals with bad credit records are in business, employment, or other social activities. It will also be subject to certain restrictions on its past dishonesty.
the "weapon"
a deputy manager of a bank business department on the seven road told a reporter that the bank's housing credit is now under the aid of this "right-hand man" before approval. About 10% of the customers refused to issue credit cards or loans because the system showed bad records or they did not have sufficient solvency.
the customer manager of a bank in Huaiyin District, Li Na, told reporters that the day before yesterday, he had just refused a customer from Ji'nan for a car loan, because he had not paid a payment for three months by seeing that he had borrowed 110 thousand yuan from the bank by the system. When he told the client that he was rejected, the client was shocked and said that he would go to CCB immediately to repay the loan.
of course, a reputable citizen is not afraid. Mr. Li of a business unit in Ji'nan said that the system has been heard early on. What is the use of the system is not very clear. Now, to do the mortgage, the bank says to inquire about the system, which is mainly to see if there is a loan in other banks, and whether there is a "old man". Mr. Wang, who is handling procedures, says that if the "old Lai" is screened through the system, it is a punishment for the "old Lai" and is also an affirmation to the good faith. He believes that this system really embodies the old saying: "borrow well, return, borrow it is not difficult." There are also concerns about
: now that many departments can share information, will they leak out their personal privacy. The reporter learned from a bank that the operator of the system has been trained strictly, and there are strict rules on how to use the query results in a large scope. In order to protect personal privacy and information security, the basic database of personal credit information can be querying only when the personal credit, credit card application, personal credit business such as individual as a guarantor are audited, and the credit risk of individual loans and credit cards have been issued.
information sharing mechanism to establish
Ji'nan social credit credit center has been established for nearly 10 years. The function of the center is to coordinate and integrate the social credit information resources, establish a perfect social credit file, and build social credit database and network platform.
"although the social credit system has been initially established, the actual operation is too difficult." Zhang Huaming, the head of the center, said that the information in the existing enterprise and personal information database was basically collected before 2008. The main reasons for restricting the development of the center were lack of supporting policy support, lack of coordination of relevant functional departments and too little social application. "We have no sword, no one will listen to us." He said that although Ji'nan was an early attempt to set up a credit system unit in the country, it was difficult to collect multiparty information only by the center itself because of the lack of supporting policies and supervision and management departments in the country and in the province.
Zhang Huaming believes that credit is an important link to maintain the social order of production and life, which not only brings the increase in the cost of social operation, but also may lead to all kinds of illegal and criminal behavior. When people buy products which are not qualified for quality, the enterprise meets the difficulties of financing, and the investors are confronted with unlawful collection of capital, many people first think of the construction of the social integrity system. But for many years, a good social credit system has always been impossible to reach. The biggest problem is the imperfect credit system. "To make credit a 'passport' to the society, it is necessary to make information collection, processing and inquiry more standardized, so that credit records can be shared more safely and conveniently."