从价值维度审视，该政策的影响远超个体层面。对个人与家庭，这是一次及时的"信用解锁"，有 助于重获金融支持，激活消费与创新潜力；对金融机构，这是一次高效的"风险清淤"，助力银行 及时有效地盘活沉睡坏账，推动风控逻辑从"紧盯历史污点"转向"考量综合资质"，让信贷资源流 向真正有需求、有潜力的主体；于宏观经济，这更是一剂"信心催化剂"，有助于释放消费潜能、 提振小微主体活力，为经济复苏增添动能。 当然，容错不等于纵容，善意亦有边界。政策明确将未履行偿还义务、恶意逃废债等情形排除在 外，确保惩戒的严肃性不被削弱。这恰似大禹治水，疏堵结合，既断了妄图钻空子的"老赖"后 路，更警醒世人：制度的善意仅眷顾那些愿意对自己负责的人。 从"一处失信、处处受限"的刚性震慑，到"惩戒有度、修复有路"的弹性包容，一次性信用修复政 策的实施，正是社会信用体系不断走向成熟的表现。制度有规则刚性，也有人文温度，将更好地 涵养健康、可持续的社会诚信生态。 社会信用制度是市场经济基础制度，社会信用体系的核心作用在于记录社会主体信用状况，揭示 社会主体信用优劣，警示社会主体信用风险，并整合全社会力量褒扬诚信、惩戒失信。根据《征 信业管理条例》，个 ...

2025.12.04 本文字数：1717，阅读时长大约3分钟 作者 |一财评论员 首先是要对失信主体进行严格区分，存在主观恶意的失信主体要承受严厉制裁，"诚而不幸"的失信主体 要获得相应救济机会。 两个管理办法都对失信主体进行了分类，分为轻微、一般、严重三个等级。轻微失信包括以简易程序或 者普通程序对信用主体作出的警告、通报批评等行政处罚等，一般失信包括行业主管部门规定的受到较 大数额罚款的行政处罚等，严重失信包括行业主管部门规定的受到巨额罚款的行政处罚，还包括行业主 管部门依法依规认定的"屡禁不止、屡罚不改"。 将来对这三类失信行为，无论是失信信息公布，还是信用修复都要区别对待，做到宽严相济，既要严 惩，也要"救人"。 其次是信用修复方面要从速，解除各方面限制也要从速。 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 ...

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。 存在主观恶意的失信主体要承受严厉制裁，"诚而不幸"的失信主体要获得相应救济机会。 其次是信用修复方面要从速，解除各方面限制也要从速。 12月2日，市场监管总局举行新闻发布会，相关负责人表示，修复流程要提速，公示期与办理时限要双 缩短。 随着信用修复进度的加快，相关限制措施也应该尽快解除。其中包括，已经实现信用修复的经营主体在 参与政府采购与招投标的资格限制，相关许可证照、行业资质申请的资格限制，融资方面的资格限制以 及原失信企业法定代表人及高管在任职方面的资格限制等。 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 ...

Core Viewpoint - The construction of a unified national market is essential for leveraging China's vast market advantages, building a high-level socialist market economy, and supporting the new development pattern [2][3]. Group 1: Significance of Advancing a Unified National Market - Advancing the unified national market is a strategic measure to unleash China's enormous domestic demand potential and promote sustained economic recovery [3]. - It is necessary to enhance the unity, openness, competitiveness, and orderliness of the market system to fully realize the potential of China's super-large market [5]. - The unified national market serves as a strategic support for constructing a new development pattern, facilitating smooth circulation of goods and resources, and enhancing international competitiveness [6]. Group 2: Unified Market Basic System - The core of the unified market basic system includes unified property rights protection, market access, fair competition, and social credit systems to ensure uniformity of institutional rules nationwide [7]. - Strengthening the unified property rights protection system is crucial for the operation of the socialist market economy, particularly for non-public economic entities [7]. - Implementing a unified market access system is essential to eliminate local protectionism and market segmentation, ensuring equal access for all market entities [8]. Group 3: Unified Market Infrastructure - High-standard connectivity of market infrastructure is fundamental for the smooth flow and efficient allocation of goods and resources [10]. - Enhancing the modern logistics system and commercial circulation system is vital to reduce logistics and transaction costs, thereby improving market operation efficiency [10][11]. - The construction of a modern commercial circulation system is necessary to promote the integration of commerce and circulation, enhancing overall efficiency [11]. Group 4: Unified Government Behavior Standards - Standardizing government behavior is essential for maintaining fair competition in the market, particularly in areas like investment attraction and procurement [12]. - It is important to eliminate regulations that hinder the construction of a unified market and ensure fair competition in the bidding and procurement sectors [13][20]. Group 5: Unified Market Supervision and Law Enforcement - Establishing unified market supervision rules is crucial for creating a fair competitive market order and enhancing regulatory efficiency [14]. - Improving the effectiveness of market supervision through various methods, including big data and digital technologies, is necessary for advancing the unified national market [14][22]. Group 6: Unified Factor Resource Market - A unified factor resource market is essential for promoting the free flow and efficient allocation of production factors such as land, labor, capital, technology, and data [15]. - Developing a unified capital market and enhancing the interconnectivity of various financial infrastructures are critical for facilitating resource allocation [16]. Group 7: Expanding Domestic and International Openness - Continuous expansion of both domestic and international openness is fundamental for fostering competitive conditions in the unified national market [17]. - Promoting the integration of domestic and international markets will enhance the efficiency of resource allocation and support the new development pattern [21]. Group 8: Focus on Key Challenges - Addressing "involution" in competition, which leads to price wars rather than innovation, is essential for fostering a healthy competitive environment [19]. - Promoting the orderly exit of outdated production capacity and enhancing industry concentration are necessary for improving market efficiency [19].