聚焦"十五五"战略目标 全面提升金融服务效能（二） 杨成长、龚 芳、方思元 《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，要"构建统一、 开放、竞争、有序的市场体系，建设法治经济、信用经济"，这标志着信用市场在市场经济体制 机制改革及全国统一大市场建设中的重要性进一步提升。 加快健全信用体系和信用市场建设不仅是提升市场运行效率、优化营商环境的现实需要，更 是实现"十五五"规划战略目标的重要保障。近年来，受益于推进全国统一大市场建设及数字经济 的快速发展，我国已具备建设统一信用市场的良好基础。 "十五五"时期，应依托全国统一大市场建设，加快推进全国信用市场一体化进程：一要从理 念上重视全国统一信用市场的建设；二要加快构建高标准信用基础设施体系；三要全面提升中介 机构的信用评估定价能力；四要提升市场经营主体的信用经营能力。 近年来，我国高度重视全国统一大市场建设，推动各类资源要素在更大范围内顺畅流动、优 化配置。《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》（以下简称"十五 五"规划建议）提出，要"构建统一、开放、竞争、有序的市场体系，建设法治经济、信用经 济"。 健全的信用体系 ...

在打造信用机构产业链方面，"信用十二条"允许企业在经营范围中增加"信用调查、信控咨询、信用科 技"等内容，为前海信用服务机构合规经营提供支撑。同时，支持在前海设立公共信用数据研究机构， 高水平建设前海信用服务产业集聚区，并支持前海信用服务机构拓展信用应用场景、依法享受所得税优 惠政策。 其中，对在前海合作区依法实际经营，提供公益性数据共享服务的信用数据综合服务平台运营主体，经 深圳市信用服务业主管部门认定后，给予50万元一次性支持。同时，针对企业创新信用应用场景，相关 案例被评为国家级、省级典型案例或示范项目的，分别给予50万元、20万元一次性支持。 中国发展网讯记者罗勉报道从深圳市最新一期市政府公报了解到，深圳前海管理局会同深圳市市场监管 局研究制定的《关于高水平创建信用经济试验区促进前海信用服务业高质量发展的十二条措施》(以下 简称"信用十二条")自今年9月29日起实施，聚焦产业链、国际化、生态圈三大方向，促进前海信用服务 业加快集聚。 《全面深化前海深港现代服务业合作区改革开放方案》要求"创建信用经济试验区"，创建信用经济试验 区是首次在国家级文件中提出的一项创新性极强的工作，通过制订专项政策鼓励优质信 ...

"信用十二条"首先在产业链上发力，明确经营范围，引导信用服务合规发展。在国家市场监督管理总局 支持下，同步衔接2025年新发布的国家级标准－《信控服务机构分类及编码规范》（GB/T45805- 2025），允许企业在经营范围中增加"信用调查、信控咨询、信用科技"等内容，进一步引导信用服务业 合规发展。重点支持企业创新信用应用场景，对获得国家级荣誉的典型案例给予50万元支持。 近日，前海联合深圳市市场监管局发布《关于高水平创建信用经济试验区 促进前海信用服务业高质量 发展的十二条措施》（简称"信用十二条"）。作为落实国家"创建信用经济试验区"任务的重要举措，该 政策聚焦产业链、国际化、生态圈三大方向，加速建设信用经济试验区。 "信用十二条"旨在贯彻落实《全面深化前海深港现代服务业合作区改革开放方案》《前海深港现代服务 业合作区总体发展规划》赋予前海 "创建信用经济试验区"等要求，通过专项政策加强与港澳跨境信用 合作，共建粤港澳大湾区信用服务市场，促进前海信用服务业集聚，引导社会不断挖掘信用价值，推进 政府、市场、社会协同的诚信建设。该政策涵盖监管创新、数据开放、载体支持、业务拓展、跨境合作 等众多维度，叠加前海 ...

Core Insights - The article highlights the launch of the "Brand Credit Empowerment Plan" by Xinhua Credit at the 2025 China International Fair for Trade in Services (CIFTIS), focusing on enhancing brand influence and market expansion for enterprises through comprehensive credit services [1][7]. Group 1: Event Overview - The 2025 CIFTIS is scheduled to take place from September 10 to 14 in Beijing, attracting nearly 2,000 enterprises, including around 500 Fortune Global 500 companies and industry leaders [7]. - The event serves as one of China's major platforms for international trade and has successfully held 11 editions [7]. Group 2: Xinhua Credit's Offerings - Xinhua Credit's "Brand Credit Empowerment Plan" operates on a dual approach of "credit certification + authoritative dissemination," providing six key empowerment modules [7]. - The modules include brand credit evaluation based on the "Xinhua Brand Credit Evaluation System," video production with Xinhua's credit analysts, customized visual credit cards, publication of articles and videos on platforms like Xinhua Finance, access to enterprise credit inquiry accounts, and participation in forums organized by Xinhua [7]. Group 3: Industry Reception - Numerous exhibitors and attendees expressed strong recognition of the authority and professionalism of Xinhua Credit's services, showing interest in becoming partners and members of the Xinhua Credit ecosystem [5].

Core Viewpoint - The Supreme People's Court has released its first specialized guiding cases on data rights protection, addressing societal concerns regarding data ownership, utilization of data products, personal information protection, and the delivery of online platform accounts [1][8]. Group 1: Data Rights and Legal Cases - The number of data-related cases in courts has significantly increased, with the number of first-instance cases in 2024 being double that of 2021 [1]. - The guiding cases aim to unify the adjudication standards for similar cases, reflecting the complexity and legal challenges associated with data-related disputes [1][8]. Group 2: Personal Information Protection - A case involving an APP operator was highlighted, where the operator was found to have excessively collected personal information without consent, leading to a ruling in favor of the plaintiff [2]. - The court ruled that the APP's requirement for users to provide extensive personal information without an option to skip or refuse constituted an infringement of personal information rights [2]. Group 3: Data Utilization and Business Competition - The court confirmed that data processing entities have the right to utilize data they lawfully collect, as long as it does not infringe on the rights of other businesses [8]. - A case of unfair competition was noted, where one APP operator was found to have copied a significant number of short videos from another operator, leading to a ruling against the infringing party [6]. Group 4: Regulatory Framework and Future Implications - The guiding cases are part of the implementation of the "Data Twenty Articles," which aim to establish a foundational system for data rights and promote the lawful and effective use of data [8]. - The Supreme Court emphasized the importance of protecting data processors' rights to ensure the free flow of data and support the healthy development of the digital economy [9].

Core Viewpoint - The 3A Credit Enterprise Certification has gained significant attention in various business circles, becoming a requirement for client cooperation, bidding, and even bank loans, yet there is confusion regarding its official issuance and process [1] Group 1: Types of Certification Authorities - There are three main types of credible authorities that can issue the 3A Credit Certification: 1. Official associations with government backing, such as local small and medium enterprise associations and industry chambers, which are highly recognized for government projects and state-owned enterprise collaborations [3] 2. Third-party credit service companies that offer flexible and personalized services, suitable for businesses seeking quick certification [3] 3. Agency institutions that act as intermediaries to facilitate the certification process, but caution is advised to avoid fraudulent entities [4] Group 2: How to Identify Reliable Certification Authorities - For official associations, businesses can search online for "credit certification in their city" to find recommended associations by local government bodies, ensuring they have the necessary credentials [3] - For third-party credit service companies, businesses should check for central bank registration, review client case studies, and be wary of unusually low prices that may lead to hidden fees or invalid certificates [3] - When using agency institutions, it is crucial to verify their authorization from legitimate certification bodies and to check the authenticity of their claims on their official websites [4]

Group 1 - In July 2025, the Yiyuan County Market Supervision Bureau received a total of 388 consumer complaints, with 325 related to goods and 63 related to services, resulting in a total dispute amount of 247,400 yuan, and recovering 49,100 yuan for consumers [1] - The top three companies with the highest number of complaints were Shandong Changrui Building Materials Co., Ltd. (7 complaints), Yiyuan County Shengxi West Network Studio (6 complaints), and Shandong Chenghe Commercial Co., Ltd. (5 complaints), all showing a 0% month-on-month change in complaint volume [2] - The leading categories of goods complaints in July 2025 were "Other Goods" with 141 complaints, followed by "Food" with 117 complaints, and "Clothing and Footwear" with 13 complaints [3][4] Group 2 - In the service category, the highest number of complaints was for "Other Services" with 19 complaints, followed by "Catering and Accommodation Services" with 12 complaints [5] - The report emphasizes the importance of consumer safety during the summer travel season, advising consumers to plan trips carefully and choose reputable travel agencies [6][7] - Consumers are encouraged to retain purchase receipts and records, and to resolve disputes through negotiation or by filing complaints with relevant authorities if necessary [7]

Core Viewpoint - The establishment of a cross-regional credit cooperation framework in the Sanya Economic Circle aims to address the challenges of removing dishonest enterprises from credit lists, enhancing the overall business environment and credit system in the region [1] Group 1: Cross-Regional Cooperation - Six enterprises previously listed as dishonest by courts in other cities within the economic circle have successfully removed their status, indicating effective collaboration among local business environment departments and courts [1] - The cooperation framework focuses on breaking down data and collaboration barriers between cities and counties, facilitating a coordinated exit mechanism for dishonest entities [1] Group 2: Credit Index Improvement - Following the signing of the cooperation agreement, Sanya's comprehensive credit index ranking improved from 89th to 69th among 261 prefecture-level cities in the country [1] - Wuzhishan's ranking rose from 110th to 78th among 383 county-level cities, while other cities like Baoting, Ledong, and Lingshui maintained stable rankings with slight increases in their credit indices [1] Group 3: Future Developments - The establishment of the cross-regional exit mechanism is a significant step towards optimizing the business environment and advancing the social credit system in the Sanya Economic Circle [1] - Future efforts will focus on deepening cross-regional credit cooperation, expanding the scope of collaboration, and enhancing operational efficiency to support high-quality development in the Sanya Economic Circle [1]

Core Viewpoint - The city of Zaozhuang is implementing a "no deposit" initiative to alleviate financial burdens on citizens and businesses, enhancing the social credit system and optimizing the business environment [1][2][3] Group 1: Implementation of "No Deposit" Services - Zaozhuang has introduced a "no deposit" borrowing service at the new library, allowing citizens to obtain borrowing cards using only their ID, with a borrowing limit of 2 books for 30 days [1] - The city has launched an implementation plan to create various "credit no deposit" application scenarios by the end of the year, targeting areas such as medical services, housing rentals, and public transportation [1][2] - Hospitals and rental services in Zaozhuang are already adopting "credit-based" services, allowing citizens with good credit ratings to access medical care and housing without upfront deposits [2] Group 2: Future Developments and Credit System - Zaozhuang plans to develop a "credit no deposit" service platform that utilizes a unified "credit code" for users, streamlining the application process [2] - The city aims to enhance the collection and sharing of credit information for both individuals and businesses, establishing databases for credit evaluation and commitments [2][3] - The initiative will focus on expanding "no deposit" services in key areas such as healthcare and housing, while ensuring the protection of personal privacy and data security [3]

Core Viewpoint - The city of Zaozhuang is implementing a "no deposit" initiative to alleviate financial burdens on citizens and businesses, enhancing the social credit system and promoting high-quality development [2][3][4] Group 1: Implementation of No Deposit Services - Zaozhuang has introduced a "no deposit" borrowing service at the new library, allowing citizens to obtain borrowing cards using valid identification without any deposit [2] - The city has launched an implementation plan to create various "credit no deposit" application scenarios by the end of the year, targeting areas such as medical services, housing rentals, and public transportation [2][3] - Specific reforms include categorizing deposit matters into four types: legal clearance, direct cancellation, credit substitution, and enhanced regulation, with 12 targeted reform items identified [2][3] Group 2: Expansion of Credit-Based Services - Various institutions, including hospitals and rental services, are adopting credit-based systems to replace traditional deposit requirements, enhancing the accessibility of services for citizens with good credit [3][4] - The city plans to develop a "credit no deposit" service platform that utilizes a unified "credit code" for users, streamlining the application process [3][4] - Zaozhuang aims to strengthen the collection and sharing of credit information, establishing databases for enterprise and personal credit evaluations to support the no deposit service framework [3][4] Group 3: Focus Areas and Future Developments - Key focus areas for the no deposit initiative include medical services, accommodation, and project bidding guarantees, with an emphasis on promoting credit-based services [4] - The city will utilize various platforms to analyze and manage new deposit-related issues, ensuring the protection of personal privacy and data security [4]