严格规范公正适用失信惩戒制度，是推动解决"执行难"问题的重要举措。如何持续提升失信惩戒工作的 靶向性、精准度和便捷性，把信用惩戒聚焦到少数规避执行、逃避执行、抗拒执行行为上来？近日，记 者对上海、江西等地法院做法进行采访。 ——编 者 到底是"有钱不还"还是"没钱还不了"？ 2024年，全国法院新纳入失信被执行人名单245.7万人次，同比下降23.4%—— 失信名单人数何以首次下降？ 《中共中央关于制定国民经济和社会发展第十五个五年规划的建议》提出，健全国家执行体制，有效解 决"执行难"问题。 这是法院受理"申请强制执行"案件后，首先要甄别、判断的问题。这关系惩戒措施的精准适用、当事人 合法权益的平等保护。如果"有能力还"却拒不履行法院裁判文书义务，将被列入失信被执行人名单。 "严格区分'失信'与'失能'，分别采取有针对性举措，成为最高法强调的执行要点，既严厉打击严重失信 行为，又为有发展潜能的经营主体纾困解绑，帮助'诚实而不幸'的被执行人走出困局、重返市场。"最 高人民法院执行局局长黄文俊介绍，2024年以来，最高法指导全国法院开展"失信"与"失能"分类管理相 关工作，强化失信惩戒分级管理，要求积极适用失信 ...

严格规范公正适用失信惩戒制度，是推动解决"执行难"问题的重要举措。如何持续提升失信惩戒工作的 靶向性、精准度和便捷性，把信用惩戒聚焦到少数规避执行、逃避执行、抗拒执行行为上来？近日，记 者对上海、江西等地法院做法进行采访。 ——编 者 到底是"有钱不还"还是"没钱还不了"？ 这是法院受理"申请强制执行"案件后，首先要甄别、判断的问题。这关系惩戒措施的精准适用、当事人 合法权益的平等保护。如果"有能力还"却拒不履行法院裁判文书义务，将被列入失信被执行人名单。 数据来源：最高人民法院 《中共中央关于制定国民经济和社会发展第十五个五年规划的建议》提出，健全国家执行体制，有效解 决"执行难"问题。 "严格区分'失信'与'失能'，分别采取有针对性举措，成为最高法强调的执行要点，既严厉打击严重失信 行为，又为有发展潜能的经营主体纾困解绑，帮助'诚实而不幸'的被执行人走出困局、重返市场。"最 高人民法院执行局局长黄文俊介绍，2024年以来，最高法指导全国法院开展"失信"与"失能"分类管理相 关工作，强化失信惩戒分级管理，要求积极适用失信惩戒宽限期制度和信用修复措施，提升惩戒精准 度、帮助努力偿债的被执行人继续正常经营企业。 ...

Core Viewpoint - The People's Bank of China (PBOC) is researching the implementation of a one-time personal credit relief policy to assist individuals in repairing their credit records affected by the COVID-19 pandemic and other uncontrollable factors [1][2]. Group 1: Policy Details - The proposed credit relief policy aims to help individuals who have defaulted on loans below a certain amount since the pandemic, provided they have fully repaid their debts [1]. - The policy will not display default information in the credit system for those who meet the criteria, and it is expected to be implemented in early next year after necessary preparations [1][2]. - The policy reflects a shift from a purely punitive credit system to one that balances punishment and rehabilitation, emphasizing social fairness [2][3]. Group 2: Objectives and Implications - The core objective of the credit repair mechanism is to educate and assist non-malicious defaulters, such as those temporarily unemployed due to the pandemic, rather than to protect habitual defaulters [3]. - The policy is expected to reduce the negative impact of long-term bad credit records, which can hinder individuals' access to loans and other financial services [4][6]. - By allowing individuals to restore their credit status, the policy aims to stimulate consumer spending and improve the overall credit ecosystem, thereby boosting market confidence [6]. Group 3: Industry Impact - The implementation of the credit repair policy is anticipated to enhance the inclusivity of financial services, allowing more individuals to qualify for loans and participate in the credit market [5][6]. - The policy is seen as a necessary complement to the existing credit system, addressing issues related to the lengthy retention of negative credit records that can stifle economic activity [4][6]. - A healthier credit system, which includes both punitive measures for defaults and incentives for good credit behavior, is expected to foster greater public trust and compliance with credit regulations [5].

Group 1 - The core viewpoint emphasizes that credit has become a hard currency in the market, and those who can consistently excel in this area will gain more trust from market participants [1][3] - The "Su Super" league's increasing commercial value and the decision to allow a small barbecue shop to sponsor the event reflects an open and inclusive approach to partnerships, valuing every entrepreneurial effort [1] - The article highlights the importance of a robust credit system in modern market economies, stating that credit is essential for economic operation and social stability [1][3] Group 2 - The construction of a social credit system should focus on key areas such as government procurement, contract performance, and administrative services, while establishing mechanisms for government commitments and social supervision [2] - There is a need to address persistent issues like unpaid debts to private enterprises and to increase penalties for government credit violations to create a trustworthy environment for all market entities [2] - The article suggests that reforms should be directed towards the needs of private enterprises, including establishing a "green channel" for honest market participants in administrative approvals [2] Group 3 - As of the first quarter of this year, market regulatory authorities have repaired 8.7779 million instances of corporate credit violations, marking a 34.52% increase year-on-year [3] - The recent State Council meeting approved a plan to improve the credit repair system, aiming to create a more effective and collaborative credit restoration mechanism [3] - The article concludes that enhancing the credit system will foster a vibrant economic ecosystem, leading to innovation and growth [3]

Core Viewpoint - The recent implementation of the "no trace" policy for removing companies from the business anomaly list reflects a significant shift in regulatory thinking, moving from punishment to rehabilitation, allowing businesses to recover and thrive [1][2][3] Group 1: Regulatory Changes - The State Administration for Market Regulation has issued a notice to remove companies from the business anomaly list without publicizing their previous status, effectively eliminating the stigma associated with past mistakes [1] - The revised management measures for the business anomaly list aim to create a credit punishment mechanism that encourages compliance rather than perpetuating a cycle of difficulties for businesses that have corrected their errors [1][2] Group 2: Impact on Businesses - Over 60% of surveyed companies believe that the impact of being listed as a business anomaly is excessive and long-lasting, indicating a disconnect between the severity of the punishment and the nature of the infraction [2] - Case studies, such as a technology company losing a significant project bid due to a minor reporting error, highlight the detrimental effects of historical records on business opportunities [2] Group 3: Credit Repair Mechanism - The "no trace" reform is fundamentally about establishing a credit repair mechanism, which has shown to enhance business satisfaction and vitality in regions like Zhejiang and Shanghai [2][3] - The concept of balancing credit repair with credit punishment is crucial for a mature market economy, allowing businesses to restart after correcting their mistakes [2] Group 4: Future Directions - The need for a tiered management system that aligns regulatory intensity with the nature and severity of violations is emphasized, as seen in Jiangsu's credit risk grading model [3] - The "no trace" reform represents a significant advancement in regulatory philosophy, aiming to foster a healthier business environment rather than creating unnecessary barriers [3]