转自：厦门日报 在全国率先推出"信用就医住院场景"、创新推出"商保赔付"场景、信用停车管理平台正式上线、"厦房 超市"上线……近日，个人信用白鹭分四大信用应用场景全新上线，开启市民信用生活新篇章。 展望"十五五"，厦门将深入贯彻党的二十大和二十届历次全会精神，全面落实习近平总书记对福建、厦 门工作的重要讲话重要指示批示精神，继续在政务、民生方面积极拓展信用应用场景，不断提升市民的 守信获得感，在社会信用体系建设方面贡献更多"厦门经验"。 信用就医模式拓展至住院场景 专属信用额度设定并提升至2万元 "个人信用白鹭分作为城市信用的基础设施，已经逐步形成品牌价值，成为城市信用工作的主要抓 手。"市发改委有关负责人介绍说，市民高频使用信用借阅、信用停车等场景，提升了社会运行效率且 用户体验良好；信用就医场景多次获得全国表彰，并作为典型案例向全国推广。 截至目前，个人信用白鹭分累计上线128个信用便民惠民场景，累计注册用户突破363万人，用信次数突 破1.29亿次，累计产生超245亿元的经济效益。 个人信用白鹭分正式推出"商保赔付"场景，破解就医垫资痛点，实现数据实时共享与自动结算，使得理 赔到账时长从7—15天缩短至 ...

Core Viewpoint - The article emphasizes the importance of building a robust social credit system in Xiamen, which has become a model for integrating credit data into economic and social development, enhancing the city's soft power and business environment [1][2]. Group 1: Credit System Development - Xiamen has maintained the highest average comprehensive credit index among 36 provincial capitals and sub-provincial cities over the past 12 months, showcasing the effectiveness of its "Credit Luyuan" initiative [1]. - The city has implemented various innovative credit applications, such as "Credit Medical Services" and "Credit Loans," which have transformed abstract credit concepts into tangible benefits for citizens and businesses [1][3]. Group 2: Data Utilization - Xiamen has created a public credit information platform that integrates data from 68 departments, totaling 1.903 billion records, to enhance the accessibility and utility of credit data [2]. - The city aims to empower economic and social value from credit data, moving beyond mere collection to active utilization [2]. Group 3: Innovative Applications - The "Personal Credit White Egret Points" system allows citizens to access medical services without upfront payments, benefiting over 940,000 residents through 62 public medical institutions [4][5]. - Xiamen has launched over 120 credit-based convenience services, including credit parking and borrowing, to create a comprehensive credit ecosystem [5]. Group 4: Financial Support for Enterprises - The "Port and Shipping Credit Easy Loan 3.0" program has enabled companies like Xiamen Zhonghong Shipping Co. to secure significant loans, demonstrating how good credit can be leveraged for financial support [6][7]. - The "Torch Park Loan" product, developed in collaboration with local banks, helps technology-based SMEs access credit by utilizing public credit data [7][8]. Group 5: Regulatory Innovations - Xiamen has introduced a "Commitment-Based Market Entry" system, significantly reducing the documentation required for business permits and streamlining the approval process [9][10]. - The city employs a differentiated regulatory approach based on credit ratings, allowing for reduced oversight for trustworthy businesses while maintaining strict scrutiny for those with poor credit [13]. Group 6: Credit Repair Mechanisms - Xiamen has established a "Credit Repair One-Stop" service, enabling businesses to rectify credit issues efficiently, with over 5,500 entities benefiting from this initiative [14][15]. - The city emphasizes a proactive approach to credit repair, providing tailored support to businesses facing credit challenges [15].