浙江《经营主体信用合规建设指引》发布

Core Viewpoint - The recently announced "Guidelines for Credit Compliance Construction of Business Entities" in Zhejiang aim to assist business entities in identifying and warning against credit risks, promoting comprehensive reform trials for credit construction nationwide and advancing the credit project for millions of business entities in Zhejiang [1] Group 1: Overall Requirements for Credit Compliance Construction - The guidelines emphasize four main aspects: comprehensive coverage, strong coordination, clear responsibilities, and continuous optimization [1] - They require coverage across all business areas, departments, branches, and employees, integrating throughout decision-making, execution, and supervision processes [1] - The highest leadership must be the primary responsible person for credit compliance management, with clear responsibilities assigned to management and staff [1] Group 2: Lifecycle Credit Compliance Construction - The content includes admission compliance, operational compliance, transaction compliance, and exit compliance, aiming to prevent credit damage from violations during the admission phase [2] - It specifies compliance in operational management, labor employment, financial investment, and credit culture to enhance internal management and sustainable development [2] - The guidelines also address product and service quality, supplier and customer management, and contract management to foster a fair market environment [2] Group 3: Credit Risk Management and Disposal - The focus is on five core areas: credit risk identification, risk prevention, dishonesty assessment and disposal, credit restoration, and credit risk transfer [2] - The standards outline the establishment of risk identification mechanisms and dynamic monitoring for credit risks, promoting a shift from punitive measures to a balanced approach of punishment and restoration [2]