（来源：新华日报） 王珏 毕生倡导"忠信笃敬"的"状元实业家"张謇 （视觉中国供图） □ 本报记者 周 娴 作为社会主义核心价值观的重要组成部分，"诚实守信"不仅是中华文明的精神底色，也是江苏砥砺前行 最深厚的文化根脉。这一理念在江苏历经千年积淀，早已从朴素的道德倡导，演变为稳定而持久的文化 基因，深深融入这片土地，成为驱动发展的精神力量。为探寻这一基因的传承密码与时代价值，新华日 报记者近日专访了东南大学人文学院教授、江苏道德发展智库首席专家王珏，解读江苏诚信文化的内 核，并挖掘其在当下的生动实践。 诚信基因如何形成？ 地理、历史与先贤共同塑造 记者：从地域文化来看，江苏形成诚实守信的基因并非偶然。诚信在江苏成为一种传承性的文化基因， 这背后有着怎样的土壤？ 王珏：文化基因的形成，往往离不开"地理环境、历史演进、先贤典范"的长期塑造。江苏的诚信基因， 也正是这三者共同作用的结果。 从地理环境上看，江苏跨江滨海、河湖密布，长江、淮河、大运河在这里交汇成网，自古便是"水运通 天下"。农业时代，漕粮、盐业、丝绸等大宗贸易，往往需要跨越千里协作，仅靠口头承诺难以长久。 于是，"信用"便成了连接各方、降低风险的无形纽 ...

——一码支付。即一次扫码，同步完成医保报销、个人账户支付、个人负担缴费，让患者不用再在不同 窗口来回跑，让缴费环节更集成、更简化。 看病缴费"多次排队""排长队"，这个困扰老百姓的烦心事有望解决。 国家医保局办公室1月8日发布文件，将大力推进刷脸支付、一码支付、移动支付、信用支付，力争用3 年左右时间构建覆盖门急诊、住院全场景的便捷支付体系。 四种不同的支付方式，为的是针对性解决不同人群的缴费痛点。 ——刷脸支付。通过"刷脸"完成身份验证与缴费，无需携带实体卡或手机，尤其适合忘记带卡、不擅长 操作智能手机的老年人等群体。 让群众少跑腿，让数据多跑路。民生领域的改革，需要秉持"致广大而尽精微"的理念，下足精准发力的 硬功夫。 近年来，医保便民服务升级一直在路上：从跨省异地就医直接结算，到推进医保影像云数据共享、助 力"看病告别胶片"，再到努力构建医保便捷支付体系……一项项举措聚焦着百姓就医的烦心事。 国家医保局表示，建设医保便捷支付体系，将赋能医疗机构管理，改善就诊秩序，释放优质医疗资源， 同时推动信用场景从金融消费延伸至民生领域，为社会信用体系注入高质量、真实闭环的行为数据。 (责任编辑：朱赫) ——移动支付 ...

消费是经济增长的"主引擎"，相关政策密集出台、连贯发力，彰显对消费领域的高度关注。近日，中宏 网《信用会客厅》栏目组织专家围绕"深化信用赋能实践 助力消费提质扩容"主题召开专题研讨会，会 议取得圆满成功。首都师范大学信用立法研究中心研究员、国家市场监督管理总局中国企业信用指数专 家薛方应邀出席研讨会并作了主题发言。 消费是经济增长的"主引擎"，也是民生幸福的"晴雨表"。"十五五"规划建议强调"坚持扩大内需这个战 略基点，坚持惠民生和促消费、投资于物和投资于人紧密结合，以新需求引领新供给，以新供给创造新 需求。"中办、国办印发《提振消费专项行动方案》明确提出"针对性解决制约消费的突出矛盾问题"， 并强调"加强消费领域信用体系建设"。一系列政策突显中央以改革的理念和方式提振消费的坚定决心和 战略定力。 一、提振消费信心仍有较大空间 坚持扩大内需这个战略基点和牢牢扭住社会信用这个基础制度的枢纽作用，打造"新质消费力"。新质生 产力是由技术革命性突破、生产要素创新性配置、产业深度转型升级而催生的当代先进生产力。新质生 产力不断创造高质量的供给，也在重塑新型消费内容和消费方式，呼唤需求侧构建与之相适应的能够牵 引和创造 ...

近期，中国人民银行一次性信用修复政策出台后，部分网友产生了这样的疑问：这是征信洗白吗？ 如今，个人征信早已成为与每个人息息相关的"经济身份证"。无论是申请房贷还是车贷，个人征信既影 响个人能否顺利获得贷款，也影响其获取贷款的成本。按照《征信业管理条例》规定，征信系统中的个 人逾期信息自还清欠款算起要保存5年。过去几年，受新冠疫情等多方面因素影响，一些个人财务状况 发生了难以预料的变化，因此未能按原借款合同约定时间偿还贷款。虽然诚实守信、竭尽所能，事后已 全额偿还了债务，但信用报告仍然需要按规定展示历史逾期记录。这影响着这些人的经济生活，想要获 得新的贷款也处处受限。 一次性信用修复政策的出台打破了个人的信用困境，为曾经失信的个人提供了容错纠正的机会，有助于 帮助个人和家庭重塑信用。当信用修复人员重新获得信贷资格，他们的经济生活也将按下"重启键"。对 金融机构来说，这项政策也有助于金融机构更加准确地识别个人信用状况，为个人提供更精准有效的金 融服务。 但需要澄清的是，这项政策绝非"征信洗白"。新政是给确实有困难但主动履约的人松绑，并非给恶意失 信者开绿灯。此次信用修复政策有着严格的适用边界：仅覆盖特定时段内、一 ...

Core Viewpoint - The establishment of a robust social credit system is essential for the development of Hainan Free Trade Port, aiming to make credit a "hard currency" for economic growth [1] Group 1: Credit System Development - Hainan has launched 60 reform measures to enhance its social credit system, focusing on integrating credit into governance and regulatory frameworks [1][2] - The province has implemented a credit-based regulatory mechanism, promoting credit rating approvals and establishing incentives for trustworthy entities while penalizing those who breach trust [1][2] Group 2: Government and Judicial Credit - The credit system now includes judicial and administrative personnel, with a focus on building credit records and commitment systems for law enforcement [2] - Hainan is addressing historical issues related to government contracts and has established a monitoring mechanism for contract fulfillment to enhance governmental credibility [2] Group 3: Incentives and Market Integration - Hainan has introduced various incentive measures for trustworthy entities, such as reduced inspection frequencies and electronic guarantees in public resource transactions [2][3] - The province encourages the development of market-oriented and personalized credit incentive measures across different sectors, enhancing the overall credit environment [3] Group 4: Cross-Border Credit Services - A cross-border credit information service platform is being developed to facilitate international trade and investment by recognizing credit evaluations and reports from both domestic and foreign entities [4] - Hainan aims to improve financing conditions for small and micro enterprises by enhancing credit service platforms and establishing a specialized financing credit database [4] Group 5: Future Initiatives - The government plans to accelerate the establishment of monitoring systems for contract integrity and management of governmental credit failures, focusing on key professional groups [5]

Core Insights - The article highlights the launch of various credit application scenarios in Xiamen, including "credit medical hospitalization," "commercial insurance compensation," credit parking management, and "Xiamen Housing Supermarket," aimed at enhancing citizens' credit life and improving social efficiency [1][2][4][6][7] Group 1: Credit Medical Hospitalization - The "credit medical hospitalization scenario" expands the existing credit medical model from outpatient services to inpatient care, addressing issues related to multiple procedures and financial pressures for citizens [2][3] - The new system simplifies the hospitalization application and verification process, allowing citizens to use existing outpatient credit qualifications without resubmitting documents, thus saving time and reducing costs [3] - A dedicated credit limit of 20,000 yuan is established to alleviate financial burdens, enabling citizens to offset part of their prepayment for hospitalization directly with their credit limit [3] Group 2: Commercial Insurance Compensation - The "commercial insurance compensation" scenario aims to resolve the issue of upfront medical expenses, reducing the time for claims from 7-15 days to 1-3 days through real-time data sharing and automatic settlement [4][5] - The platform integrates with multiple commercial insurance companies, allowing for seamless connection between medical and insurance data, thus streamlining the claims process [4] Group 3: Credit Parking Management - The newly launched credit parking management platform offers a "pay after leaving" service, enhancing the efficiency of parking and reducing disputes over fees [6] - Over 180 parking lots are now connected to the platform, allowing users with a credit score of 650 or above to benefit from this service [6] Group 4: Xiamen Housing Supermarket - The "Xiamen Housing Supermarket" provides a comprehensive platform for real estate information, allowing users to access data on new properties, including project details and pricing [7] - The platform features innovative functions such as virtual tours and professional insights, enhancing the home-buying experience and promoting transparency in real estate transactions [7]

营造公平公正的法治环境。法治是最好的营商环境，要从立法、执法、司法、守法各环节依法保护民营 企业产权和企业家权益，推动民营经济在法治轨道上健康发展。一是完善法规制度体系。深入贯彻落实 《中华人民共和国民营经济促进法》，制定出台符合兵团实际的制度条例，为民营企业提供稳定制度预 期。加强重点领域法治建设，及时将有效经验做法上升为制度规范，依法保护民营企业和企业家合法权 益。二是规范涉企执法行为。完善行政裁量权基准制度，细化量化裁量标准，规范裁量范围、种类、幅 度，避免滥用自由裁量权、"以罚代管"等问题。深化兵团民营企业信用风险分类结果在"双随机、一公 开"监管中的常态化运用，合理确定抽查比例和频次，实施差异化精准监管。创新监督手段，建立跨部 门综合监管制度和常态化执法检查机制，定期曝光典型案例，提升兵团涉企执法规范性和公信力。三是 提升司法保障质效。完善矛盾纠纷源头预防、多元化解机制，推进人民法院调解平台建设，优先审理涉 企业合同纠纷等案件，降低兵团民营经济组织解纷成本。提高破产审判质效，加强府院联动和部门数据 联通，发挥破产审判"积极拯救"和"及时出清"功能。四是建设法律服务平台。依托司法行政机关、高校 和律师 ...

Core Viewpoint - The recent collaboration between Sesame Credit and Weibo has brought consumer credit into the spotlight, emphasizing the importance of credit scores in enhancing consumer experiences and lifestyles [1][2]. Group 1: Credit Impact on Consumer Experience - The introduction of deposit-free services, particularly in shared bike rentals, has significantly improved consumer experiences, showcasing the evolution of credit systems over the past decade [1]. - Sesame Credit has enabled various deposit-free services across multiple sectors, including car rentals, housing, and consumer goods, enhancing the fluidity of consumer transactions [1][3]. - The launch of the new brand "Sesame 800" aims to further develop trust-based solutions, increasing consumer awareness of their credit scores [1]. Group 2: Credit as a Social Capital - Good credit is increasingly recognized as a form of social capital that simplifies daily activities and enhances quality of life, as seen in services like "pay after treatment" and trial purchases [2]. - The accumulation of positive credit leads to greater convenience and opportunities, while poor credit can result in significant limitations in daily life [2]. - The digital economy has transformed personal credit from an optional aspect of consumption to a necessary component for economic activities, with good credit serving as a "pass" in society [3]. Group 3: Regulatory Framework and Future Outlook - The establishment of a comprehensive social credit system in China is supported by numerous laws and regulations, creating a foundational framework for credit management [3]. - The shift towards a "trustworthy society" is emphasized, where personal credit is crucial for facilitating smoother interactions and transactions in everyday life [3].

Group 1 - The core message emphasizes the need for a balance between "letting go" and "managing well" in economic work, highlighting the importance of breaking down institutional barriers while ensuring a rule-based economy [1][9] - The concept of "letting go" aims to eliminate obstacles to productivity, while "managing well" focuses on establishing a legal framework for economic activities [1][6] - The central economic work meeting outlines the necessity of combining effective market mechanisms with proactive government roles to stimulate economic vitality and ensure stability [1][2][12] Group 2 - The implementation of machine-based bidding processes in Hunan has increased the winning rate of private enterprises from 73.65% to 82.9%, showcasing a move towards a fairer competitive market environment [2] - The "14th Five-Year Plan" emphasizes the need for a unified, open, competitive, and orderly market system, aiming to enhance the role of the market in resource allocation [2][10] - The introduction of new regulations and measures, such as the Administrative Law Enforcement Supervision Regulations, aims to strengthen oversight and accountability in market operations [5][10] Group 3 - The establishment of a social credit system is identified as a foundational aspect of the market economy, with recent policies aimed at enhancing credit construction and ensuring fair competition [10][11] - The central economic work meeting has set clear directives for stabilizing the real estate market and managing local government debt risks, emphasizing the importance of risk prevention in economic governance [11] - The need for continuous reform to improve the efficiency of market mechanisms and government interventions is highlighted, with various local initiatives aimed at enhancing market vitality [12][13][14]

（来源：广东珠江船务） 社会信用制度是市场经济基础制度。为健全社会信用体系，中共中央办公厅、国务院办公厅于今年印发 《关于健全社会信用体系的意见》。下面让我们共同学习《关于健全社会信用体系的意见》。 · 加强经营主体信用建设 · 加快社会组织信用建设 · 有序推进自然人信用建设 • 全面强化司法执法体系信用建设 4 2017 会信用体系 · 建立全面完整准确的信用记录 · 强化信用信息归集共享 · 建立公共信用信息统一公示制度 · 有序推动公共信用信息开放流通 · 加强信用信息安全保护 · 强化对守信行为的激励 · 依法依规开展失信惩戒 · 完善统一的信用修复制度 以信用为基础的 S 2019 11:51 · 以信用评价为基础实施分级分类监管 ·建立健全信用承诺制 · 推进信用报告深度应用 · 加强对政府签订、指导签订合同等 履约信用监管 · 推动信用赋能基层治理 · 完善社会信用体系法律法规制度 量体会信用 III/MILTL ZTUIN · 大力培育信用服务市场 · 深入推进信用融资和信用交易 · 加强平台经济领域信用建设 统筹做好全国社会信用体系建设示 图源：新华观点 （来源：广东珠江船务） 社会信用制 ...