Chinanews client, Beijing, December 27th (Reporter Li Jinlei) Running red lights and misclassifying garbage are included in dishonesty behavior. How to prevent credit abuse?
Does the credit investigation system collect more property-related information?
How to strengthen the protection of personal credit information?
How to guide untrustworthy entities to actively renovate and reshape their credit?
On December 25, the heads of the National Development and Reform Commission, the Central Bank and other departments responded to the above hot issues at the State Council’s regular policy briefing.
Screenshot of the police surveillance screen.
Prevent dishonesty and punish improper use or even abuse
In recent years, there have been many reports that some local governments have abused credit measures, such as running red lights and wrongly sorting garbage.
How to prevent the abuse of untrustworthy behavior from expanding and generalizing?
Lian Weiliang, deputy director of the National Development and Reform Commission, responded that some places only use local government normative documents or local department documents to make such system regulations, lacking the basis of the party Central Committee and the State Council documents, and lack of national or local-level legislation. Full consideration is given to the protection of the rights and interests of individuals or legal persons.
Therefore, these measures not only do not meet the requirements of governing the country according to law, but also do not meet the requirements of building a long-term mechanism for building integrity.
Recently, the General Office of the State Council issued the "Guiding Opinions on Further Improving the Untrustworthiness Control System and Building a Long-term Mechanism for Building Honesty", requiring accurate definition of credit information and the identification scope of the list of serious untrustworthy entities, reasonable control of the punishment measures for untrustworthiness, and resolutely preventing improper use or even abuse.
Lian Weiliang pointed out that the core content of the regulations is "one keyword, three specific measures."
"A key word" is to strictly comply with laws and regulations.
Standardize in accordance with laws and regulations, build in accordance with laws and regulations, and correct in accordance with laws and regulations.
That is to say, all the use of credit measures, including the inclusion of credit records, the "blacklist", or the implementation of joint punishments for untrustworthiness, must be based on documents from the Party Central Committee and the State Council, or be promulgated by institutions with legislative power at the national and local levels Laws and regulations as the basis.
The "three specific measures" are catalogues, checklists, and identification documents.
Standardize the application of credit measures through hard measures such as catalogs, checklists, and identification documents, so that credit construction can truly be brought into the track of rule of law.
Screenshot of the central bank credit center website.
Is studying whether the credit investigation system collects more property-related information
At present, my country's personal credit system is not yet complete, and relevant departments often find it difficult to ascertain the personal property status, and people who maliciously rely on accounts after corporate bankruptcy take the opportunity to avoid debt.
In this regard, Wan Cunzhi, director of the People’s Bank of China’s Credit Information Management Bureau, revealed that whether the credit information system can collect as much property-related information as possible to reflect a person’s repayment ability and his credit status. Research is ongoing.
According to reports, in accordance with the central decision and deployment, the People’s Bank of China is making every effort to promote the construction of a credit information system covering the whole society. The goal is to realize the interconnection and intercommunication of credit information information in the three areas of the financial sector, government departments and relevant corporate departments through new technologies. shared.
"In the future, with the gradual establishment and improvement of the credit investigation system covering the whole society, this problem can be solved." Wan Cunzhi said that in this process, personal property information is restricted in accordance with the "Credit Investigation Industry Management Regulations". The scope of the collected information is to clearly inform the parties and inform the information subject himself that after the information is collected, the possible consequences for you after the collection of this information must be clearly authorized by the individual before the credit investigation system can collect it.
In terms of specific operations, we will properly collect property-related information in accordance with specific laws and regulations to comprehensively determine the individual's credit status.
Data map: People withdraw money from ATMs.
Photo by Chinanews reporter Li Jinlei
Three measures to strengthen the protection of personal credit information
At present, the abuse of personal information is common in society, and everyone is more worried about the leakage of personal privacy. How to strengthen the protection of personal credit information?
Lian Weiliang pointed out that as far as the construction of public credit information is concerned, three major measures should be implemented: First, strictly comply with laws and regulations.
The second is to strictly implement responsibilities.
The third is strict technical guarantee.
From collection to use, sharing, disclosure, etc., credit information involves many links and will pass through the hands of many people. Therefore, in the protection of public credit information, we clarify the requirement that “handling must be held accountable, and negligence must be held accountable. ".
Chen Yulu, deputy governor of the People's Bank of China, said that financial institutions, credit reporting agencies, and related persons responsible for information leakage or even illegal reselling of customer data will be severely punished in accordance with the law to form a regulatory deterrent.
In addition, the People's Bank of China also cooperated with relevant departments to crack down on the illegal buying and selling of personal information in the name of big data companies and big data credit investigations, and investigate and deal with fraudulent acts in the name of credit information services and corporate credit investigations.
"In the next step, we will promptly launch the "Interim Measures for the Protection of Personal Financial Information" in accordance with new laws such as the Personal Information Protection Law and the Data Security Law that will be promulgated by the country, so as to further regulate the law of personal information in the financial field. Use in compliance with regulations and effectively safeguard the legitimate rights and interests of information subjects." Chen Yulu said.
Data map: Lao Lai is exposed to the giant screen on the streets of Nanjing.
Photo by China News Service
Guide untrustworthy entities to actively renovate and reshape credit
Some companies are illegally included in their credit records for non-subjective and deliberate reasons, or even included in the "blacklist", which has had serious consequences for production and operation. How to carry out credit restoration?
"At present, as an innovative work, credit restoration is in the process of accelerating its improvement." said Chen Hongwan, Director of the Department of Finance and Credit Construction of the National Development and Reform Commission, which mainly includes three methods specified in the Guiding Opinions: 1. It was removed from the list of serious dishonest subjects after the rectification of the dishonesty behavior.
The second is to stop publicizing untrustworthy information after rectification of untrustworthy behavior.
The third is to block or delete records of untrustworthy information after rectification of untrustworthy behavior.
Chen Hongwan emphasized that what needs special explanation is that the basic premise of credit restoration is to completely correct untrustworthy behavior and eliminate adverse effects.
However, for some particularly serious untrustworthy behaviors with irreparable adverse effects, they cannot be repaired in accordance with regulations, such as Internet fraud, illegal fundraising, inferior vaccines, etc. If such serious violations are casually cancelled, the publicity and delete records , The public cannot find historical information. This is irresponsible to the victims and the public.
At the same time, the cost of dishonesty is too low, it is not painful or itchy, and it cannot serve as a warning to other market entities.
"In the next step, we will study and formulate credit restoration management methods in accordance with the requirements of the Guiding Opinions, further clarify and improve the specific conditions and procedures for credit restoration, continue to improve the mechanism of credit restoration, and better guide untrustworthy entities to actively rehabilitate , Rebuild credit." Chen Hongwan said.
(Finish)