China News Service, April 2. According to the China Government website, the General Office of the State Council issued a notice on the issuance of the "Implementation Plan for Coordinating the Construction of Financing Credit Service Platforms to Improve the Financing Facilitation Level of Small, Medium and Micro Enterprises." The notice clearly stated that the coordination of platform construction should be increased and all local financing credit service platforms should be included in the national integrated platform network.
Clarify the channels for collecting and sharing credit information. Strengthen the "general hub" function of the national credit information sharing platform (hereinafter referred to as the credit information platform) for the collection and sharing of credit information, and strengthen the data sharing of the national financial credit information basic database. The credit information platform collects all types of credit information in a unified manner and shares it with departments and localities as needed. Rely on the credit information platform to build a national financing credit service platform, and connect local financing credit service platforms to form a national integrated platform network. As the "only outlet" to provide centralized public credit information services to financial institutions, the department provides credit in this field to financial institutions. Information services are not subject to this restriction. Adhere to the positioning of the national financial credit information basic database as a financial infrastructure and provide financial institutions with high-quality professional credit reporting services.
Strengthen local platform integration and unified management. Integrate local financing credit service platforms with duplicate functions or inefficient operations. In principle, only one provincial platform will be retained in each province, and no more than one platform will be established by cities and counties. All local platforms will be unified into the national integrated platform network and implemented in a list-based manner. Management to reduce duplication of construction and idle waste of resources. The National Development and Reform Commission is responsible for coordinating the construction of financing credit service platforms and promoting the integration and unified management of local platforms. All regions must complete platform integration before the end of December 2024, and carry out asset transfer, data transfer, personnel placement and other tasks in an orderly manner to ensure that platform service functions are not affected during the integration period.
Strengthen guidance on the construction of local platforms. Unify the standards for local financing credit service platforms to connect to the national integrated platform network, optimize credit information services, and promote the standardized and healthy development of local platforms. Relying on the establishment of urban credit monitoring and social credit system construction demonstration areas, we will strengthen guidance on improving the quality of platform data. Make full use of the existing counterpart assistance mechanism to further deepen cooperation in the construction of financing credit service platforms in the eastern region and the central and western regions, and promote the central and western regions to accelerate the "Xinyidai" work.
The notice proposes to optimize the information collection and sharing mechanism.
Clarify the scope of credit information collection and sharing. Based on the actual needs of financial institutions for credit information, further expand the scope of credit information collection and sharing, and include the company’s main personnel information, various qualification information, import and export information, etc. into the credit information collection and sharing list (see attachment), National Development and Reform Commission Take the lead in updating the list in a timely manner. All regions should give full play to the role of local financing credit service platforms, further break down data barriers, increase the collection and sharing of credit information outside the list in accordance with laws and regulations, compile provincial credit information collection and sharing lists based on the actual conditions of the region, and effectively expand data collection Breadth and depth of sharing.
Improve the quality and efficiency of credit information sharing. For credit information that has been centrally managed by relevant national departments, it is necessary to increase the intensity of "head-to-head" sharing. Strengthen collaborative management of data quality, unify data collection standards, repair credit information in a timely manner, and improve information update and maintenance mechanisms to ensure data authenticity, accuracy, and completeness. Efforts will be made to solve problems such as insufficient data sharing frequency, insufficient interface calling capacity, and insufficient sharing of some public utility information to further improve the efficiency of credit information sharing. Provide regular feedback on data usage and effectiveness based on the needs of the data provider. The National Development and Reform Commission should take the lead in evaluating the quality and effectiveness of credit information sharing among various regions and relevant departments.
In addition, deepen the development and utilization of credit data.
Improve information query services. Financing credit service platforms at all levels must provide information push, information inquiry, credit report inquiry and other services to financial institutions in accordance with the principle of public welfare and laws and regulations, expand the scope of credit information inquiry, improve the credit report inquiry system, and improve the quality of credit reports. Support banking institutions to improve credit management systems, increase the application of credit reports in customer screening, pre-loan investigation, loan approval, post-loan management, etc., and provide high-quality financial services to small, medium and micro enterprises.
Carry out joint modeling applications. Support financing credit service platforms and financial institutions to establish joint laboratories for credit information collection and processing, strengthen the development and application of sensitive data through "data does not leave the domain" and other methods, and improve the level of joint modeling of financial credit. Financial institutions are encouraged to actively connect with financing credit service platforms and make full use of credit information to optimize credit product research and development, credit assessment and risk management.
Develop credit financing products. Give full play to the credit information aggregation advantages of chain owner enterprises, centralized trading venues, and characteristic industrial clusters, and carry out pilot projects of "Xinyidai" special products according to local conditions. Strengthen the application of comprehensive public credit evaluation results, encourage local financing credit service platforms to develop strategic emerging industries, future industries, green and low-carbon development, key industry chain supply chains, "agriculture, rural areas and farmers" and other characteristic functional modules, and support financial institutions to make good use of distinctive features Credit information, market-oriented financial products and services need to be launched in subdivided areas. Accelerate the construction of the rural credit system, support financial institutions in developing financial products and services exclusive to farmers and new agricultural business entities, and moderately increase the proportion of credit loans.
Expand and improve platform service functions. Encourage local governments to establish and improve the "policy recruitment" mechanism, give full play to the advantages of local financing credit service platforms in connecting enterprises and financial institutions, and promote various financial convenience and enterprise-friendly policies to directly reach small, medium and micro enterprises and other business entities through the platform. Promote financing guarantee institutions to settle on the financing credit service platform, rely on the platform to establish multi-party cooperation mechanisms such as banking institutions, governments, financing guarantee institutions, etc., and rationally simplify financing guarantee-related procedures. Encourage qualified places to rely on financing credit service platforms to establish "online notarization", "online arbitration" mechanisms and financial Internet courts to efficiently handle financial disputes.
Develop the credit service market. Formulate the conditions and standards for authorized operation of credit information platforms. On the premise of ensuring information security, we will steadily open data to various credit service agencies, including credit reporting agencies, in accordance with laws and regulations, actively cultivate the credit service market, and improve the efficiency of matching credit financing supply and demand.
The notice clearly states the safeguard measures.
Strengthen information security and protect the rights and interests of information subjects. Strengthen the information security management of the financing credit service platform, improve the management specifications and standard systems for platform docking, institution entry, information collection, information sharing, and data security to effectively ensure the security of physically collected information. Financing credit service platforms at all levels must strengthen the standardized management of information authorization, strengthen the security guarantee of data sharing, use, transmission and storage, improve security risk monitoring and early warning processing capabilities, and effectively ensure data security. Without desensitization or explicit authorization from the information subject, financing credit service platforms at all levels shall not provide information involving business secrets or personal privacy to the outside world, and shall not illegally disseminate, leak, or sell relevant credit information.
Strengthen policy support and guarantees. Local people's governments should provide appropriate support to the construction of financing credit service platforms at the same level, guide local platforms and financing guarantee institutions to strengthen cooperation, and improve the level of financing convenience for small, medium and micro enterprises. Encourage local governments to formulate incentive policies to support credit financing, and provide appropriate incentives to financial institutions that help small, medium and micro enterprises achieve financing through financing credit service platforms. (China News Finance)