轻微失信信息可以不予公示 信用修复管理办法征求意见

Core Points - The National Development and Reform Commission (NDRC) has drafted the "Credit Repair Management Measures (Draft for Comments)" to establish a unified, standardized, and efficient credit repair system to assist credit entities in restoring their credit status effectively [1][2]. Group 1: Credit Repair System - The credit entities referred to are those that have their dishonest information publicly disclosed on the "Credit China" website [1]. - Credit repair involves credit entities applying to the "Credit China" website to remove or terminate the public disclosure of dishonest information after correcting their dishonest behavior and fulfilling relevant obligations [1]. Group 2: Classification and Management of Dishonest Information - Dishonest information is categorized based on severity into three classes: "minor, general, and serious," with different public disclosure periods set according to the principle of proportionality [1]. - Minor dishonest information may not be disclosed or can be applied for repair once legal responsibilities are fulfilled, with a maximum disclosure period of 3 months; general dishonest information has a minimum disclosure period of 3 months and a maximum of 1 year; serious dishonest information has a minimum disclosure period of 1 year and a maximum of 3 years [1]. Group 3: Credit Repair Application Process - The methods for credit repair include removal from the serious dishonest entity list, termination of public disclosure of administrative penalty information, removal from abnormal lists, and repair of other dishonest information [2]. - Credit entities must meet specific conditions to apply for credit repair, including reaching the minimum disclosure period, correcting dishonest behavior, fulfilling obligations, making a public credit commitment, and meeting other legal requirements [2]. - For bankrupt restructured enterprises, during the execution of the restructuring plan or settlement agreement, they can apply for credit repair with the court-approved documents, and relevant authorities must temporarily shield dishonest information within 10 working days of receiving the application [2].