日前，水利部、浙江省、黑龙江省等先后公布了完善信用修复制度的办法或方案，更好帮助信用主体高 效便捷重塑信用，为信用中国建设提供了有力保障。 我国公共信用应用场景已从单一领域扩展至多个领域，从简单应用向深度应用推进，从区域分割向跨区 域协同发展，呈现出多元化拓展和纵深化发展的良好态势。各地结合自身实际，探索出各具特色的信用 应用模式，为完善社会信用体系积累了宝贵经验。在政务服务领域，"信用+政务服务"模式已成为提升 行政效能、推动"高效办成一件事"的重要抓手。在金融信贷领域，信用应用场景持续拓展，信用数据在 解决中小企业融资难方面发挥了重要作用。在民生服务领域，信用应用场景日益丰富，让老百姓切身感 受到"信用有价"。以浙江省为例，通过与全国融资信用服务平台浙江站互联互通，将公共信用与金融服 务深度融合，构建"信用+担保"应用场景，为小微企业融资增信。 在不断推进信用建设的同时，也应看到，公共信用应用场景在快速发展过程中仍存在一些结构性和技术 性问题，制约着信用应用的深度拓展和价值释放。比如，数据质量不佳与归集共享难问题，仍是制约信 用应用的基础性瓶颈；应用场景同质化现象严重，创新深度不足；区域发展不平衡问题突出 ...

很多人或许觉得，反正追责难度大，时间久，债务拖下去没什么大不了。这种心态背后，实际上是对诚信与责任的 严重忽视。逃避债务，显然是对社会公正与经济秩序的背叛，损害的是每个人的信任基础。 面对这个庞大的债务黑洞，如何解决？最直接的办法是"还钱"。但，要想让债务人承担责任并不容易。这不仅是一 个经济问题，更是一个法律问题。如果中国不通过法律途径去追责，整个社会的信用体系就会崩塌，债务危机将成 为常态。 当然，解决过程会非常艰难。追责不仅要涉及庞大的利益链条，还可能遭遇政治、经济等方面的复杂因素。但无论 如何，不能让这个"老赖"再逃下去。如果继续放任不管，后果将不堪设想。 你可能会想，这些问题和你无关。可是，4600元的债务，虽不算天文数字，但当它成为全体国民的共同负担时，后 果就不容小觑。这不仅仅是个数字游戏，而是关乎商业信誉、社会秩序甚至是未来发展的根本问题。 欠债还钱，天经地义。"这句话听起来耳熟能详，但偏偏有些人不打算按规则来。 65000万亿，这个数字比很多国家的GDP加起来还要多。为了形象点，你可以这样理解：2023年中国GDP大约是17 万亿，而这个债务是它的近4倍！如果把这些债务分摊到中国14亿人头上 ...

经营主体失信信息是社会信用信息的重要内容之一，也是确认惩戒对象、开展失信惩戒、实施信用修复 的基础。本次发布的国家标准是落实《中共中央办公厅国务院办公厅关于健全社会信用体系的意见》及 国务院办公厅印发的《关于进一步完善信用修复制度的实施方案》的配套标准，旨在解决经营主体失信 信息分类和管理的规范化问题，消除跨部门失信信息分类差异，打通公共管理部门与市场机构间的数据 壁垒，为实施差异化、精准化监管提供标尺，为实施联合惩戒、开展信用修复提供统一数据基础。标准 确立了经营主体失信信息分类的基本原则，给出了失信信息的范围、分类体系架构、编码规则、分类及 代码等相关信息，适用于对经营主体失信信息的分类与使用。 原标题：《经营主体失信信息分类指南》国家标准发布 中新网9月10日电据"市说新语"微信公众号消息，近日，市场监管总局组织制定发布《经营主体失信信 息分类指南》(GB/T 46276-2025)国家标准，为强化对经营主体失信信息的统一分类、失信行为的多部 门联合监管提供操作指南。 延伸阅读： 市场监管总局发布新版委托合同示范文本 市场监管总局发布网络交易平台收费指南 市场监管总局修订三项信用监管国家标准 《经营主体 ...

(责编：牛镛、岳弘彬) 关注公众号：人民网财经 本报北京9月11日电 （记者林丽鹂）市场监管总局近日组织制定发布《个体工商户信用评价指标》 （GB/T 46278—2025）国家标准，推动评价信息有序共享和高效利用，助力个体工商户信用融资。标 准规定了个体工商户信用评价指标建立的基本要求、评价指标内容及指标设置，适用于开展个体工商户 信用评价活动。 《 人民日报 》（ 2025年09月12日 10 版） 开展个体工商户信用评价，旨在发挥信用价值，助力金融机构开发和提供适合个体工商户发展特点的金 融产品和服务，扩大个体工商户贷款规模和覆盖面，提高贷款精准性和便利度；同时也将为实施分型分 类精准帮扶，加大"个转企"探索力度，鼓励、支持、引导个体工商户持续健康发展提供标准化支撑。 该标准的发布和实施，既是落实社会信用体系高质量发展、构建全国统一大市场的政策要求，也是解决 当前个体经济蓬勃发展面临融资贵、融资难困境的现实需求，将为开展柔性监管、包容审慎监管、助企 纾困、实施个体工商户精准帮扶提供标准助力。 ...

该标准的发布和实施，既是落实社会信用体系高质量发展、构建全国统一大市场的政策要求，也是解决 当前个体经济蓬勃发展面临融资贵、融资难困境的现实需求，将为开展柔性监管、包容审慎监管、助企 纾困、实施个体工商户精准帮扶提供标准助力。 （文章来源：人民日报） 本报北京9月11日电 （记者林丽鹂）市场监管总局近日组织制定发布《个体工商户信用评价指标》 （GB/T 46278—2025）国家标准，推动评价信息有序共享和高效利用，助力个体工商户信用融资。标 准规定了个体工商户信用评价指标建立的基本要求、评价指标内容及指标设置，适用于开展个体工商户 信用评价活动。 开展个体工商户信用评价，旨在发挥信用价值，助力金融机构开发和提供适合个体工商户发展特点的金 融产品和服务，扩大个体工商户贷款规模和覆盖面，提高贷款精准性和便利度；同时也将为实施分型分 类精准帮扶，加大"个转企"探索力度，鼓励、支持、引导个体工商户持续健康发展提供标准化支撑。 ...

Core Viewpoint - The construction of the social credit system is gaining momentum, with the "Credit Repair Management Measures (Draft for Comments)" publicly soliciting opinions since September 1, aiming to help credit subjects efficiently rebuild their credit [1][2]. Group 1: Policy Developments - The "Credit Repair Management Measures (Draft for Comments)" clarifies the scope of credit subjects and categorizes dishonest information for better management, focusing on facilitating credit restoration [1][3]. - The central government has issued a series of normative documents to promote the construction of the social credit system, providing institutional support for individual credit repair and the "rebirth" of dishonest subjects [2][3]. Group 2: Statistical Insights - As of June 30, 2025, 17.1 million individuals have voluntarily fulfilled their obligations or reached settlement agreements due to credit sanctions, with the number of new entries into the dishonest list showing a downward trend [1]. - In 2024, 2.821 million individuals successfully returned to the market through credit repair, marking a year-on-year increase of 35.4%, surpassing the number of new entries into the dishonest list for the first time [2]. Group 3: Regulatory Framework - The draft introduces a more focused approach by limiting credit subjects to legal entities and organizations, excluding natural persons, and implementing a tiered management system for dishonest information categorized as "minor, general, and severe" [3]. - The draft also specifies the application process for credit repair, facilitating both the dishonest subjects and regulatory departments, particularly for bankrupt companies with special measures for temporary shielding of dishonest information [3].

Core Insights - China's economy demonstrates resilience amid global uncertainties, attributed to stable institutions, active markets, innovative technology, and green development [4] - Property rights and trust form the foundation of the economy, enabling investment and efficient transactions through a robust social credit system [4] - Green finance and carbon neutrality are seen as catalysts for a new industrial revolution, reshaping capital flows and global rules through market-oriented approaches [4] Group 1: Economic Foundations - Clear property rights encourage investment, while a strong trust framework enhances transaction efficiency [4] - The establishment of a social credit system fosters a business culture that promotes low-cost collaboration among strangers [4] - Evaluative governance, such as rankings for best business environments, can accelerate local service improvements and industrial upgrades if designed effectively [4] Group 2: Technological Advancements - The rise of generative AI is significant, optimizing pricing, enhancing efficiency, and empowering industries, though it requires a balance of computing power, data, and algorithms [5] - Blindly following trends in technology can lead to negative repercussions, emphasizing the need for strategic investment in human capital [5] Group 3: Future Development - High-quality development is shifting focus from material investment to human capital investment, with upgrades in education, healthcare, and social security acting as invisible drivers of economic growth [5] - The future economy will favor those who can accurately identify opportunities and endure the process of refinement [5]

Group 1 - The construction of a unified national market is a significant decision made by the central government, emphasizing the importance of legal foundations and regulatory frameworks [1][4] - The recent Central Financial Committee meeting outlined the basic requirements for advancing the unified national market, focusing on "five unifications and one openness" [1][2] - There are existing challenges in the relationship between government and market, including local protectionism and inconsistent regulatory standards [2][3] Group 2 - The need to clarify the boundaries between government and market roles is crucial for optimizing resource allocation and maximizing efficiency [2][3] - Strengthening legal frameworks, such as the Fair Competition Review Regulations, is essential for ensuring fair competition and addressing issues of administrative power abuse [3][5] - The establishment of a comprehensive market economy foundation, including property rights protection and social credit systems, is necessary for the effective operation of the unified national market [4][5] Group 3 - Promoting market-oriented reforms in factor markets is key to enhancing resource allocation and productivity [7][8] - Addressing systemic barriers to the free flow of factors requires legal reforms and the establishment of unified trading rules [8] - The development of a unified labor market and a national data market is essential for facilitating smooth resource circulation and integration [7][8]

Group 1 - The event "Jinxin Huohang: Empowering Tax Credit + Corporate Credit" training aims to enhance tax credit management for enterprises in Chengdu's Jinjiang District, aligning with the national goal of improving the social credit system and tax collection reforms [3][4] - Tax credit is described as an "economic ID card" for enterprises, serving not only as a compliance report but also as a means to access policy benefits and financial resources [3][4] - The training gathered 40 leading enterprises from various sectors, including real estate, construction, and healthcare, to discuss the importance of tax credit in fostering business development [3][4] Group 2 - Chengdu Credit Association provided a comprehensive plan for "credit repair" and "credit empowerment," focusing on improving corporate credit ratings and correcting credit issues [4] - The event included a Q&A session where enterprises raised concerns about restoring credit ratings and enhancing tax credit, with experts providing tailored solutions [4] - A unique "credit health report" was distributed to each participating enterprise, summarizing their tax level, credit score, and risk indicators, facilitating a one-stop service for credit improvement [4][5] Group 3 - The Jinjiang District Tax Bureau and Chengdu Credit Association plan to continue offering multiple training sessions throughout the year, focusing on customized courses and interactive expert discussions to make credit a driving force for high-quality enterprise development [5]

Core Viewpoint - The introduction of "credit代证" (credit substitute certificate) aims to simplify the process for companies to obtain necessary credit documentation, replacing multiple individual certificates with a single specialized credit report, thereby enhancing efficiency and reducing bureaucratic burdens [2][20][22]. Group 1: Background and Challenges - Companies previously faced significant challenges in obtaining multiple "no illegal record" certificates from various government departments, often requiring months of effort and coordination [6][10]. - The lack of standardized processes and the existence of conflicting requirements among departments created inefficiencies and confusion for businesses [6][10]. Group 2: Implementation of "Credit代证" - The "credit代证" reform began in Shanghai, where a pilot program was launched in 2017, initially covering four areas and gradually expanding to 41 fields by 2023 [8][10]. - The new system allows companies to obtain a specialized credit report from a single point of contact, significantly reducing the time and effort required to gather necessary documentation [4][10]. Group 3: Customization and Data Integrity - Shanghai has introduced a "customized" credit report option, allowing businesses to select specific proof items and timeframes according to their needs, thus catering to diverse requirements [10][11]. - Ensuring data accuracy and integrity is critical, with a system in place that holds data-producing departments accountable for the reliability of the information [11][20]. Group 4: National Expansion and Future Outlook - The "credit代证" initiative has gained traction nationwide, with various regions implementing their own versions of the policy, leading to significant time savings for businesses [12][21]. - By September 2023, the goal is to achieve nationwide recognition of credit reports, facilitating seamless access to credit information across different regions and sectors [20][21].