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Core Viewpoint - Shandong Province is implementing innovative measures to optimize the legal business environment, focusing on credit repair for honest but unfortunate market entities while strictly punishing dishonest behaviors [2]. Group 1: Credit Repair Statistics - The number of credit repairs in Shandong has exceeded the number of newly added dishonest individuals for two consecutive years, indicating a positive trend of "reducing existing cases while curbing new ones" [4]. - From January to November this year, 94,700 new cases were added to the dishonesty list, a decrease of 17.6% year-on-year, while credit repairs reached 200,100, an increase of 5.47% [4]. - In 2024, it is projected that 130,300 new cases will be added to the dishonesty list, a decrease of 16.2%, while credit repairs are expected to reach 202,100, an increase of 45.5% [4]. Group 2: Measures for Credit Repair - Shandong has implemented a grace period system for enterprises with general dishonesty but a willingness to fulfill obligations, providing a buffer period of 1 to 3 months to avoid "one-size-fits-all" penalties [4]. - Over 600 enterprises have benefited from this grace period, with nearly 80% fulfilling their obligations or reaching settlements during this time, effectively stabilizing employment and preserving businesses [4]. Group 3: Legal Actions and Support - For individuals historically listed as dishonest but currently without assets for execution, Shandong has timely deleted or shielded their dishonesty information, alleviating their "dishonesty burden" [5]. - In a specific case, a company involved in waste treatment and power generation reached a settlement after mediation, allowing it to resume normal operations, with over 50 million yuan received by the creditor [6]. Group 4: Future Directions - The provincial courts will continue to deepen the work on dishonesty punishment, enhancing the precision and targeting of punitive measures, while increasing incentives for trustworthy behavior and credit repair [6]. - Efforts will be made to create a legal credit environment that promotes "punishment for dishonesty, benefits for trustworthiness, and assistance for the incapacitated," supporting high-quality economic and social development in the province [6].

记者李文璇济南报道 12月4日,山东省人民政府新闻办公室举行新闻发布会,介绍山东开展优化法治化营商环境创新提升行动, 积极解决涉企突出问题情况。 "近年来,全省法院在严厉惩治失信行为、助推社会信用体系建设的同时,对于'诚实而不幸'的市场主体,进 一步强化信用修复工作,助力被执行人回归市场、经济再生。"会上,山东省高级人民法院审判委员会专职 审判委员兼执行局局长孟祥刚介绍了法院在这方面所采取的措施。 严格限定纳失条件,做到精准惩戒。对存在一般失信行为但仍有履行意愿的企业,全面推行失信宽限期制 度,给予其1至3个月的缓冲期。 今年以来,已有超过600家企业获得喘息机会,其中近八成在宽限期内主动履行了义务或达成和解,有效稳 住了就业、保住了企业。 畅通信用修复渠道,实现高效解禁。建立主动触发机制,对符合条件的,法院主动屏蔽失信信息,并出具"信 用修复证明",帮助企业扫清在招投标、融资贷款等方面的障碍。 优化单次解禁制度,对于失信被执行人为提高履行能力,需要赴外地从事生产经营、务工等活动的,积极争 取申请执行人同意,临时解除对被执行人的限制出行措施。 集中开展专项清理,减少失信存量。连续两年组织开展失信信息集中清理专 ...

畅通信用修复渠道，实现高效解禁。建立主动触发机制，对符合条件的，法院主动屏蔽失信信息，并出具"信用修复证明"，帮助企业扫清在招投标、融资 贷款等方面的障碍。优化单次解禁制度，对于失信被执行人为提高履行能力，需要赴外地从事生产经营、务工等活动的，积极争取申请执行人同意，临时 解除对被执行人的限制出行措施。 "近年来，全省法院在严厉惩治失信行为、助推社会信用体系建设的同时，对于'诚实而不幸'的市场主体，也进一步强化信用修复工作，助力被执行人回 归市场、经济再生。"会上，山东省高级人民法院审判委员会专职审判委员兼执行局局长孟祥刚介绍了法院在这方面所采取的措施。 严格限定纳失条件，做到精准惩戒。对存在一般失信行为但仍有履行意愿的企业，全面推行失信宽限期制度，给予其1至3个月的缓冲期。今年以来，已有 超过600家企业获得喘息机会，其中近八成在宽限期内主动履行了义务或达成和解，有效稳住了就业、保住了企业。 齐鲁晚报.齐鲁壹点记者李文璇 12月4日，山东省人民政府新闻办公室举行新闻发布会，介绍山东开展优化法治化营商环境创新提升行动，积极解决涉企突出问题情况。 集中开展专项清理，减少失信存量。连续两年组织开展失信信息集中清理 ...

Core Viewpoint - Recent regulations on credit repair highlight the importance of establishing a unified and efficient credit repair system to protect the rights of credit subjects and facilitate their rehabilitation [2][3] Group 1: New Regulations - The State Administration for Market Regulation has released the "Credit Repair Management Measures," effective December 25, while the National Development and Reform Commission's measures will take effect on April 1 next year [2] - Both regulations aim to enhance the credit repair framework, reflecting the need for legislative updates in response to evolving circumstances [3] Group 2: Classification of Credit Subjects - The new regulations categorize credit subjects into three levels: minor, general, and severe credit violations [4] - Minor violations may result in warnings or administrative penalties, while general violations involve significant fines, and severe violations include substantial penalties for repeated offenses [4] Group 3: Speed of Credit Repair - The process for credit repair is set to be expedited, with reduced public notice periods and processing times [6] - Restrictions on entities that have achieved credit repair will also be lifted quickly, including eligibility for government procurement and financing [6] Group 4: Responsibility for Credit Repair - Credit subjects are encouraged to actively work towards their own credit repair, which is essential for their "rebirth" [6][7] - The new regulations aim to create a positive cycle of "benefits for trustworthiness, penalties for dishonesty, and pathways for repair" [7]

2025.12. 04 本文字数：1717，阅读时长大约3分钟 作者 | 一财评论员 近来，关于信用修复方面的新规接连出台：国家市场监管总局近日发布的《市场监督管理信用修复管 理办法》将于12月25日实施；此前国家发改委发布的《信用修复管理办法》将于明年4月1日起施 行。 两个管理办法都可以称为新规。前者是基于2021年7月30日市场监管总局发布的行政规范性文件， 现在上升为部门规章；后者以2023年5月实施的《失信行为纠正后的信用信息修复管理办法（试 行）》为基础加以修订而来。 此前的这两项政策施行时间都不算长，现在密集修订充分说明了信用修复的重要性。 社会信用制度是市场经济的基石，是维系市场经济中各主体之间关系的重要纽带。近年来，我国社会 信用体系建设日臻完善，信用制度在优化营商环境、促进金融服务实体经济、提升政府治理效能等方 面发挥了重要作用。同时，随着形势发展，相关立法立规也需要加以完善，尤其是在信用修复方面。 造成经营主体失信的原因有很多。有的是主观故意，故意违约或者有偿债能力却欠债不还，这是标准 的"耍赖"；有的则是"诚而不幸"，有心偿债而无力偿还，这个群体还有救济的空间。如果将两者混为 一谈，同 ...

12月2日，市场监管总局召开专题新闻发布会，介绍《市场监督管理信用修复管理办法》（以下简称 《办法》）相关情况。 市场监管总局信用监管司副司长荆琼华在发布会上介绍，市场监管总局坚决贯彻落实党中央、国务院决 策部署，不断推动完善信用修复制度机制，鼓励企业主动纠正违法失信行为、消除不良影响，依法申请 修复失信记录，同时，大力提升信用修复服务水平。截至今年10月底，全国市场监管部门累计修复4416 万户经营主体，助力重塑良好信用。市场监管信用修复工作取得显著成效，受到社会各方广泛关注和好 评。 为进一步健全完善信用修复制度机制，落实《关于进一步完善信用修复制度的实施方案》，为经营主体 重塑信用提供规范统一、高效便捷的信用修复服务，市场监管总局最大程度回应各方关切、最大范围凝 聚各方共识，制定出台《办法》，促进营造更有活力的市场环境，助力经济社会高质量发展。《办法》 将于2025年12月25日实施。 扩大信用修复范围 2021年7月，市场监管总局制定出台了《市场监督管理信用修复管理办法》规范性文件。此次将《办 法》上升为部门规章，有什么新的举措，如何更好支持经营主体信用修复？ 对此，荆琼华表示，新的《办法》以部门规章 ...

Core Viewpoint - The new regulations on credit repair emphasize the need for strict differentiation between malicious and unfortunate credit subjects, ensuring that the former face severe penalties while the latter receive opportunities for relief [1][2]. Group 1: New Regulations - The State Administration for Market Regulation has introduced the "Credit Repair Management Measures," effective December 25, and the National Development and Reform Commission's "Credit Repair Management Measures" will take effect on April 1 next year [1]. - These regulations aim to establish a unified, standardized, and efficient credit repair system to protect the legitimate rights and interests of credit subjects [2]. Group 2: Classification of Credit Subjects - Credit subjects are categorized into three levels: minor, general, and serious. Minor credit violations may result in warnings or administrative penalties, while serious violations could lead to substantial fines and repeated penalties [3]. - The approach to publishing credit violation information and repairing credit will differ based on the severity of the violation, balancing strict punishment with opportunities for rehabilitation [3]. Group 3: Speed of Credit Repair - The process for credit repair is to be expedited, with shortened public notice periods and processing times [4]. - Restrictions on previously untrustworthy entities, such as eligibility for government procurement and financing, will also be lifted quickly for those who have achieved credit repair, particularly for minor and general violations [4]. Group 4: Self-Driven Credit Repair - The new regulations provide opportunities for credit subjects to "rebirth" and rebuild their credit through their own efforts [5]. - Statistics indicate that from September 2021 to October 2025, over 44 million entities have undergone credit repair, highlighting the potential for significant recovery among these subjects [5]. Group 5: Balance of Rights and Responsibilities - The regulations aim to balance the rights, obligations, and responsibilities of credit subjects, promoting a culture where trust is rewarded, violations are penalized, and repair is possible [6].

【博时市场点评12月3日】两市继续调整，量能维持低位 每日观点 今日沪深三大指数继续调整，两市成交仍不足1.7万亿。海外方面，上周多数补发的数据显示政府"停 摆"前美国经济已呈现减速趋势，经济下行风险增加，美联储12月降息概率重回八成以上，本月议息会 议或呈现降息+鹰派表态的局面。国内方面，11月央行通过多种工具净投放流动性，显示货币政策维持 稳健偏宽松基调。12月将进入重要会议的政策窗口期，但当前市场对于增量政策预期或不高。当前经济 处于弱修复状态，权益市场短期或仍维持震荡格局，配置上建议均衡。 消息面 央行发布11月各项工具流动性投放情况显示，11月公开市场国债买卖净投放500亿元，抵押补充贷款 （PSL）净投放254亿元，其他结构性货币政策工具净投放1150亿元，中期借贷便利（MLF）净投放 1000亿元。尽管同期7天期逆回购操作为净回笼，但通过加大中长期流动性工具的运用与搭配，央行在 整体上依然实现了资金面的净投放。 简评：11月央行通过公开市场操作及各类货币政策工具合计净投放2904亿元，显示逆周期调节力度持续 加大。其中结构性工具净投放占比近40%，体现精准滴灌导向，有助于缓解实体经济融资压力。在 ...

长江商报奔腾新闻记者李璟 第四部分主要对当事人依法注销登记、破产重整计划或者和解协议执行期间等情形下信用修复作出规 定，明确信用修复中隐瞒真实情况、弄虚作假的法律后果。同时，对信用修复信息的共享互认、信息查 询服务和第三方社会机构信息披露行为等作出规范。 值得关注的是，与市场监管总局2021年制定出台的《办法》相比，新《办法》以部门规章的形式发布， 统一了信用修复规则，增加了便民利企创新举措。 例如企业破产重整前，往往因存在各种不良信用记录，难以顺利开展破产重整。《办法》将破产重整企 业纳入信用修复范围，为破产重整企业恢复信用、重新开展正常经营、参与市场竞争提供有力支撑。 《办法》将于2025年12月25日实施，共31条，分为四个部分。 第一部分主要阐明市场监管信用修复和违法失信信息的概念。明确依托国家企业信用信息公示系统建设 市场监管信用修复全国统一平台，实现协同修复、高效管理、及时共享。 第二部分将违法失信信息分为轻微、一般和严重三类，列明不同类别违法失信信息包含的具体情形，明 确相应的最短公示期和最长公示期。 第三部分规定了行政处罚、经营异常名录、严重违法失信名单、抽查检查结果负面信息等不同类型违法 失 ...