The Ministry of Commerce will issue guidance on the three levels of planning business credit construction in the near future to establish a corporate credit file, and publish a "red list" and "blacklist" reporter Sun Yuhua. Beijing Report "Economic Information Daily" reporter recently learned from authoritative sources, " The Guiding Opinions on Strengthening Credit Construction in the Business Sector during the Twelfth Five-Year Plan Period (hereinafter referred to as the “Opinionsâ€) have been finalized, and the Ministry of Commerce will officially issue them in the near future. "This is the first guiding opinion for the construction of commercial credit in China. It is also the first time to clarify the framework of the government's credit construction in the business sector. It plans the construction of business credit in the next five years from the three levels of credit moral culture construction, credit system construction and commercial credit application. Insiders of the Ministry of Commerce revealed to the reporter of the Economic Information Daily. More practically, the Ministry of Commerce will organize and promote industry associations to establish a database of corporate credit information. In the future, credit information of commercial enterprises in transactions can be recorded, and counterparties can obtain information to see if they have bad records. According to the data of relevant research institutions, the direct and indirect economic losses caused by the lack of credit in China each year are as high as 600 billion yuan. The bad debt rate of Chinese enterprises is as high as 1% to 2%, and it is increasing year by year. In comparison, the bad debt rate of enterprises in mature market economy countries is usually 0.25% to 0.5%. In addition, at present, China has signed about 4 billion contracts each year, and the compliance rate is only 50%. Insiders pointed out that some enterprises with bad credit can cause losses to their opponents in many transactions, because credit information is not transparent enough, and the cost of losing trust is too low. China's credit environment needs to be improved. The most important thing is to establish a sound credit information system, reduce the cost of credit information, and increase the cost of corporate credit. The insiders of China Export Credit Insurance Corporation told the Economic Information Daily that it is very important to build a social credit system that benefits the honesty and the disciplinary. Can enterprises get social recognition if they fulfill their credit? Enterprises are not trustworthy, can they be punished? Do companies have the right tools to use commercial credit? These are the companies that are most concerned about. "The construction of credit information system is the foundation of credit construction. At present, the Ministry of Commerce's thinking on the construction of business credit information system has gradually become clear. It is to start from the pilot of some industries and regions, gradually establish enterprise credit files, and produce and publish trustworthy enterprise red. The list and the blacklist of untrustworthy enterprises will be gradually promoted to the whole country after summing up the pilot experience.†The above-mentioned Ministry of Commerce told the “Economic Information Daily†reporter that the issue of the “Opinions†was only the beginning of the series of policies, and was sent to the whole country under the “Opinionsâ€. After the business system, the Ministry of Commerce will also issue an implementation point in the near future, and will study and select some cities or industries to carry out pilot projects for credit construction. “Business credit construction is a huge system project, and it is difficult to implement. Some industry associations have realized the importance of credit files, but they also need a promotion at the government level. However, the promotion at the government level also requires a process.†People are frank. The "Economic Information Daily" reporter learned that at present, China's credit-related information is mainly in the hands of many ministries. Many domestic enterprises are interested in establishing a credit information system, but it is difficult to obtain information at the government level. Even if they can obtain some, the cost is very high. . From the government level, it is difficult to coordinate the ministries. In addition, the laws and regulations in the field of credit reporting in China have been in a blank, and the “Regulations on the Management of Credit Information†has not been released yet. It is still in the stage of soliciting opinions, and the state of being unable to rely on makes the construction of credit information difficult. Han Jiaping, director of the Credit Management Department of the Ministry of Commerce, said in an interview with the Economic Information Daily that peer-to-peer companies can realize the sharing of credit information, which can effectively prevent risks, have obvious benefits to the industry, and meet the needs of enterprises. However, the local business sector and some industry associations have limited understanding of credit construction, which has increased the difficulty of related work. In addition, credit activities do not only occur in commercial links. The entire credit system is connected. The ideal state is that under the legal planning, various ministries form an effective coordination to achieve effective sharing and disclosure of credit information. Han Jiaping believes that it is a feasible path for government organizations to promote industry associations to carry out pilot projects, and he suggests that they can give full play to the role of third-party credit institutions. CITIC residents also told the "Economic Information Daily" reporter that the society's attention to credit is still not high, and it requires a different ministry of the ministries, industries and enterprises to form a good environment. “Some institutions and companies also have a lot of credit information, and it is also important to mobilize their enthusiasm to get them involved.†“The government is only playing a role in organizing coordination and promotion. In the long run, the credit system should be built more. Rely on the power of marketization," said the Ministry of Commerce.
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