社会信用体系是保障社会经济持续、稳定、高效发展的一种长效管理机制。在党中央、国务院的高度重视下,我国社会信用体系建设逐步展开,取得了重大进展。2014年6月,《社会信用体系建设规划纲要(2014~2020年)》出台,这意味着我国社会信用体系建设的顶层设计已基本完成。该纲要明确了我国信用体系建设的框架,其宗旨是以健全信用法律法规和标准体系、形成覆盖全社会的征信系统为基础,以推进政务诚信、商务诚信、社会诚信和司法公信为主要内容,以推进诚信文化建设、建立守信激励和失信惩戒机制为重点。在这一宗旨的指引下,中央和地方迅速行动,建设进度有了明确的时间表,同时理论界和实务界良性互动,将信用研究和信用教育推向一个新高度。信用建设取得重大成就的同时,我们也应看到,在复杂的国际局势和国内经济“新常态”面前,我国社会信用建设仍存在一些不足:金融领域的信用风险依然较高;互联网创新的不断深入使得互联网领域的信用问题突出,相应的监管严重滞后;随着信用信息数据的积累,对数据的整理、加工、运用等能力有待提高。基于此,本报告认为可以从以下几方面来完善我国社会信用体系建设,即完善组织架构,提升信用建设效率;强化问责机制,推进政务诚信建设;加快监管创新,增强对创新领域信用的监管;健全专业信用机构,促进信用管理能力全面提升。
<<Because social credit system is very important to our country,these leaders,who are in CPC Central Committee or the State Council have been paying great attention to this system. In June 2014,Plan for the Development of the Social Credit System(2014-2020)was published by the State Council. That was a big deal,because it not only showed the attitudes of the incumbent,but also pointed out the direction of the development of the social credit system. First,the foundation of the credit system should include well-established legal system,supervision system and the credit reporting system. Second,the main task of the development of the credit system is to enhance those four kinds of credit,those are,governmental credit,business credit,social credit and the credibility of judicial offices. Third,it is important to promote honesty construction and to improve incentive mechanism which will benefit the person who keeps his word and punish him when he breaks his promise. After the publication of the plan,the central government and the local governments acted immediately and set a timetable for the development of the credit system. For the credit researchers,they have done many things. With the help of some Practitioners,the research on credit and education in credit theories have been taken to a new level. Though we have made great progress,there are some problems yet. For example,bank crisis or economic crisis are not far away,especially the time when we are going through the structural transformation of the economy;innovations in internet area are promoting the combination of people and the Net,while the regulation is very inefficient;data is important,but when credit data are accumulated,we are incapable of tackling with them. Based on these problems,this article puts through some suggestions:(1)to reinforce coordination to promote efficiency;(2)to adopt accountability mechanisms to increase governmental credit;(3)to regulate the internet commerce;(4)to pay close attention to the risk to maintain a stable financial system;(5)to give impetus to credit-rating firms and enhance the ability of credit management.
<<Keywords: | Social CreditDevelopment of Social Credit SystemGovernmental CreditBusiness CreditCredibility of Judicial |