证券时报记者韩忠楠 值得关注的是，对于那些破产重整企业的信用修复，《管理办法》也作出了明确要求，重整计划或者和 解协议执行期间，重整企业或者管理人可以持人民法院批准重整计划或者认可和解协议的裁定书， 向"信用中国"网站提出信用修复申请。行业主管部门应当自收到申请之日起十个工作日内，按照最小必 要原则，临时屏蔽违法失信信息，临时解除可能影响重整计划或者和解协议执行的管理措施。重整计划 或者和解协议未执行成功的企业，行业主管部门应当恢复其原有违法失信信息公示状态。 据悉，此次公开征求意见截止时间为2025年9月30日。接下来，信用修复的协同联动措施也将配套实 施。 （文章来源：证券时报） 其中，轻微失信信息包括以简易程序对信用主体作出的行政处罚信息；以普通程序对信用主体作出的警 告、通报批评等行政处罚信息等。轻微失信信息可以不予公示或法定责任履行完毕即可申请修复，确有 必要公示的，公示期最长为3个月。 一般失信信息则包括暂扣许可证件、降低资质等级、没收违法所得、没收非法财物的行政处罚信息等， 其最短公示期为3个月，最长为1年。 严重失信信息包括吊销许可证件、限制开展生产经营活动、责令停产停业、责令关闭、限制从业的 ...

办法明确，失信信息按照失信严重程度实行分类管理，原则上划分为"轻微、一般、严重"三类，按照过 罚相当原则，分别设置不同的公示期限。最短公示期届满后，信用主体方可按规定申请信用修复；最长 公示期届满且信用主体纠正失信行为、完全履行相关义务后，相关信息自动停止公示。公示期限自失信 信息公示之日起开始计算。 其中，轻微失信信息可以不予公示或法定责任履行完毕即可申请修复，确有必要公示的，公示期最长为 3个月；一般失信信息的最短公示期为3个月，最长为1年；严重失信信息的最短公示期为1年，最长为3 年。 在信用修复的办理方面，办法明确，信用修复的方式包括移出严重失信主体名单、终止公示行政处罚信 息、移出异常名录和修复其他失信信息。 国家发展改革委9月1日消息，为建立健全统一规范、协同共享、科学高效的信用修复制度，更好帮助信 用主体高效便捷重塑信用，国家发展改革委研究起草了《信用修复管理办法（征求意见稿）》，现向社 会公开征求意见。 符合以下所有条件的信用主体，可以向"信用中国"网站申请信用修复：一是达到最短公示期限；二是纠 正失信行为，完全履行行政处罚或严重失信主体名单所规定的义务；三是公开作出信用承诺，承诺内容 应包括 ...

Core Viewpoint - The article discusses the evolution of the real estate sector, focusing on its past, present, and future, highlighting the recovery potential and investment opportunities within the industry [1][2]. Group 1: Past Overview - The article emphasizes the importance of reviewing past trends in real estate, particularly through international comparisons, to understand the current landscape [3]. - It mentions a session on comparing the real estate credit recovery capabilities of China with those of the US and Japan, indicating a positive outlook for China's real estate sector [3]. Group 2: Current Focus - The article outlines a series of deep-dive sessions into specific companies within the real estate sector, such as China Merchants Shekou and China Resources Land, showcasing their resilience and strategic positioning [3]. - It highlights the significance of understanding the financial cycles affecting real estate, which is crucial for assessing current market conditions [3]. Group 3: Future Outlook - The article introduces frameworks for various types of Real Estate Investment Trusts (REITs), including rental housing and commercial REITs, indicating a trend towards diversification and innovation in the sector [3]. - It discusses the role of real estate as a pillar industry and its impact on upstream and downstream industries, suggesting a robust interconnectedness that supports future growth [3].

信用是市场经济的基础。对企业而言，良好的信用是一张重要名片。 这也带来思考，如何运用法治思维和法治方式，深入推进构建良好信用生态？ 两个事例，给人启示。 一个关乎精准惩戒。上海某汽车公司、某科技公司因合同纠纷被申请强制执行后，未按承诺及时履行。 企业是"恶意失信"还是"暂时失能"？上海长宁法院实地调查后认为，企业掌握关键核心技术，发展前景 可期，只是暂时遇到融资困难。法院以执行担保等对企业经营发展影响更小的措施，避免将其纳入失信 名单。今年3月底，企业获得融资后主动履行义务，困境迎刃而解。 一个关乎柔性修复。某塑料科技公司因技术升级导致资金链紧张未能偿还贷款，因违反财产报告令被纳 入失信名单。公司受信用惩戒影响无法再融资扩产，陷入"有订单无资金、有产能无信用"的困境。 怎么破局？江西法院查明，企业非恶意逃废债，仍有发展潜力。经债权人同意，法院出具信用修复证明 书，并暂停信用惩戒。半年内，企业偿还了债务，重焕生机。 打开信用修复之门，是激发市场活力的良方。实践表明，信用惩戒并非目的，通过精准施策，以约束促 诚信、以修复促发展才是更优解。当前，各地各部门积极探索，为"诚实而不幸"的经营主体"纾困"，执 法有力度又 ...

Core Viewpoint - The article emphasizes the importance of a sound credit system for businesses, highlighting the need for a balanced approach to credit punishment and recovery to foster a healthy market environment [1]. Group 1: Credit System Development - The construction of the social credit system in China has advanced significantly, with a focus on a punitive framework where "one breach leads to restrictions everywhere" [1]. - The Supreme People's Court has issued guidelines to enhance the mechanisms for punishing untrustworthy behavior and restoring credit, aiming to optimize the business environment and stimulate market vitality [1]. Group 2: Case Studies - A case involving a Shanghai automotive company illustrates the need for precise punishment; the court determined that the company faced temporary financing difficulties rather than malicious default, allowing for less severe measures [3]. - Another case of a plastic technology company highlights the importance of flexible credit restoration; the court recognized the company's potential and issued a credit restoration certificate, allowing the company to recover and repay debts [3]. Group 3: Market Vitality and Credit Restoration - The article notes that the number of individuals on the list of untrustworthy debtors has decreased for the first time in a decade, with 2.821 million people successfully restoring their credit, marking a 35.4% year-on-year increase [4]. - The State Council has issued a plan to improve the credit restoration system, aiming to create a unified, efficient, and accessible framework for credit recovery, which will help honest businesses re-enter the market [4]. Group 4: Governance and Development - Building a good credit ecosystem requires not only technical rule adjustments but also a profound shift in governance philosophy, focusing on development and legal wisdom to achieve a win-win situation for punishing untrustworthiness, encouraging integrity, protecting innovation, and promoting development [4].

Core Viewpoint - The 81890 service hotline in Ningbo's Haishu District has evolved from a citizen assistance platform to a crucial support system for small and medium-sized enterprises (SMEs), addressing their challenges and needs effectively [1][2]. Group 1: Service Development and Impact - The 81890 hotline has been operational for 24 years, handling over 18.6 million citizen requests, and has recently expanded its services to assist SMEs facing various challenges due to increased market competition [1][3]. - The hotline has successfully connected SMEs with expert resources, such as agricultural specialists, to provide tailored solutions for specific issues like crop management and financing [2][3]. - As of now, 81890 has assisted approximately 30,000 enterprises in overcoming difficulties, establishing itself as a key player in improving the business environment in Ningbo [3]. Group 2: Focus on Talent and Credit Repair - A recent survey indicated that 45% of enterprises prioritize talent recruitment and training, prompting 81890 to implement initiatives like "cloud recruitment" to connect job seekers with businesses [4][5]. - The "Hai Xin Fu" credit repair initiative was launched to help SMEs understand and rectify credit issues, with over 5,600 cases of administrative penalties and operational anomalies successfully resolved since its inception [5][6]. Group 3: Digital Transformation and Policy Communication - The "e-Enterprise Broadcast" initiative was established to facilitate real-time communication of policies and support for SMEs, reaching over 400,000 individuals through various live broadcasts [8][9]. - This digital platform has accelerated the digital transformation of SMEs, providing them with necessary guidance and support for technological upgrades and policy compliance [9][10].

Core Viewpoint - The 81890 service hotline in Ningbo's Haishu District has evolved from a citizen assistance platform to a crucial support system for small and medium-sized enterprises (SMEs), addressing their challenges and needs effectively [1][2]. Group 1: Service Development and Impact - The 81890 hotline has been operational for 24 years, handling over 18.6 million citizen requests, and has recently expanded its services to assist SMEs facing various challenges due to intensified market competition [1][3]. - In response to specific needs, such as those from agricultural entrepreneurs like Liu Yijun, 81890 has successfully connected businesses with expert resources and financial institutions, facilitating solutions like tailored loan packages [2][3]. - The hotline has helped approximately 30,000 enterprises overcome difficulties, establishing itself as a key player in improving the business environment in Ningbo [3]. Group 2: Focus on Talent and Credit Repair - A recent survey indicated that 45% of enterprises prioritize talent recruitment and training, prompting 81890 to implement initiatives like "cloud recruitment" to connect job seekers with businesses [4][5]. - The "Hai Xin Fu" credit repair initiative was launched to assist SMEs in restoring their credit status, with 5,633 administrative penalties and 2,600 individual businesses successfully repaired since its inception [5][6]. Group 3: Digital Transformation and Policy Communication - The "e-Enterprise Broadcast" initiative was established to enhance communication of policies to businesses, hosting over 100 live sessions that reached more than 400,000 participants [8][9]. - This digital platform has accelerated the digital transformation of SMEs, providing tailored training and expert consultations to help businesses meet high-tech enterprise application standards [9][10].

Core Viewpoint - The article discusses the implementation of a new credit repair initiative by the Qiqihar Market Supervision Administration in Heilongjiang Province, aimed at optimizing the business environment and enhancing the credit system through innovative measures [1][2][3]. Group 1: Credit Repair Measures - The initiative introduces seven credit repair measures, including a "commitment deficiency, immediate application" model to facilitate easier credit repair for businesses [1]. - The "commitment deficiency" mechanism allows businesses to proceed with applications even if certain documents are missing, utilizing the Heilongjiang Provincial Market Supervision Comprehensive Business Management System for verification [1][2]. Group 2: Service Optimization - The "immediate application" service enables businesses to submit applications online or receive personalized assistance at government service windows, allowing for quick removal from the business anomaly list if no significant issues are found [2]. - The "post-verification" mechanism shifts the traditional process from "verification first, repair later" to "repair first, verification later," ensuring that businesses can begin the repair process without delay [2][3]. Group 3: Intelligent and Convenient Services - The "no-sense repair" function automatically triggers the repair process for businesses with expired administrative penalty records, allowing for seamless removal of negative records from the system [2]. - The "exemption application" policy provides convenience for businesses newly listed in the anomaly directory due to failure to submit annual reports, allowing them to restore credit without additional applications [2]. Group 4: Enhanced Communication and Supervision - The "two documents delivered simultaneously" system ensures that businesses receive both the administrative penalty decision and the credit repair notification at the same time, helping them understand the repair process [3]. - The initiative includes a robust follow-up supervision mechanism to address any discrepancies found during subsequent checks, potentially revoking repair decisions if commitments are not met [3].

Group 1 - Credit is the cornerstone of the market economy and serves as a "pass" for enterprises to participate in market competition. In the first half of this year, 85,000 business entities in Jiangxi have "regained credit" and re-entered the market through credit repair [1] - The establishment of a credit repair mechanism helps lightly discredited enterprises that recognize their mistakes to exit the "blacklist" and return to a development track, which can boost business confidence and provide solid support for stabilizing employment and the market [1] - Over 70% of the enterprises that completed credit repair in Jiangxi this year have made new investments or increased employment within six months, directly contributing to job creation [1] Group 2 - Long-term, credit repair is a key component in building a resilient credit ecosystem. The previous credit mechanism had a tendency to "heavily punish and lightly repair," lacking a process for "what to do after losing credit" [2] - The credit repair process adds a pathway for "correcting mistakes" on the basis of "punishment for loss of credit," shifting enterprises from "passive correction" to "active credit compliance" [2] - Jiangxi has implemented a "three documents delivered simultaneously" system, which includes sending administrative penalty decisions, credit compliance suggestions, and credit repair notifications to inform discredited entities of their options for credit repair [2] Group 3 - As more enterprises experience the warmth of policies in credit repair, they are likely to place greater emphasis on their own credit building, fostering an atmosphere of honoring trust and shaming dishonesty, thereby enhancing the competitiveness and attractiveness of the business environment [3]

Core Viewpoint - The Supreme People's Court issued the "Guiding Opinions on Implementing the Private Economy Promotion Law," aiming to enhance legal protections for the private economy through 25 specific measures, focusing on equal treatment, law-abiding operations, and a fair judicial environment [1][2]. Group 1: Legal Framework and Market Environment - The Guiding Opinions emphasize the need for a robust legal framework to support the private economy, including the establishment of a fair and transparent business environment [1]. - It highlights the importance of enforcing the "non-prohibition, entry allowed" policy and addressing local protectionism and hidden barriers to market entry [2][3]. Group 2: Anti-Monopoly and Competition - The Opinions call for strengthened judicial efforts against anti-competitive practices and unfair competition, ensuring that all economic entities can participate fairly in the market [2]. - It also addresses the need for clear regulations on local government practices that may constitute disguised monopolies [2]. Group 3: Debt and Financing Issues - The Opinions propose measures to tackle the issue of overdue payments to private enterprises, including the establishment of a mechanism for preventing and clearing overdue debts [4]. - It aims to regulate financial institutions' practices regarding loan conditions to protect the rights of private enterprises [4]. Group 4: Dispute Resolution and Credit System - The Opinions seek to lower the costs of dispute resolution for private enterprises by improving the credit repair mechanism and addressing non-compliance in enforcement actions [6]. - It emphasizes the need for timely updates of credit information to facilitate normal financing for enterprises [6]. Group 5: Enforcement and Compliance - The Supreme People's Court stresses the importance of increasing enforcement efforts against entities that evade or resist execution, particularly those exhibiting malicious credit behavior [7]. - It aims to ensure that the rights of winning parties in legal disputes are protected through effective enforcement measures [7].