增强人民群众的“信用获得感”

Core Viewpoint - The establishment of a "specific credit relief mechanism" in Suzhou, Anhui Province, aims to balance strict adherence to regulations with the need to provide opportunities for individuals and businesses facing minor credit issues due to non-intentional reasons [1][2][3]. Group 1: Mechanism Overview - The "specific credit relief mechanism" will be piloted starting April 2024, focusing on cases of minor credit defaults that are not due to intentional wrongdoing [1][2]. - The mechanism combines legal enforcement with moral guidance, creating a governance model that balances strictness and compassion [2][3]. Group 2: Case Study - A case involving a restaurant employee, Mr. Ling, illustrates the mechanism's effectiveness, where he received timely loan support after his credit issues were verified as non-intentional due to a serious illness [2]. - The bank's response included not only financial assistance but also credit law education, emphasizing the importance of legal compliance and trustworthiness [2][3]. Group 3: Legal and Ethical Framework - The People's Bank of China in Suzhou emphasizes compliance with laws while providing relief, ensuring that fraudulent behaviors are excluded from the relief process [3]. - A negative list is established to prevent the inclusion of fraudulent or malicious debt evasion cases, ensuring accountability and transparency in the relief process [3]. Group 4: Community Engagement and Education - The initiative promotes legal education within communities, aiming to instill a culture of compliance and trust, with activities reaching out to both urban and rural areas [3][4]. - The efficiency of the relief process has improved significantly, reducing the resolution time from 30 days to 7 working days, and resolving over 1,200 disputes, thereby meeting reasonable financing needs of nearly 300 million [3]. Group 5: Future Outlook - The focus will continue to be on integrating legal and ethical practices to enhance credit services, ultimately benefiting the public and fostering a culture of integrity [4].