Guiding Opinions concerning Strengthening the Construction of a Personal Sincerity System

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State Council General Office

GBF No. (2016)98

All provincial, autonomous region and municipal people’s governments, all State Council ministries and commissions, all directly subordinate bodies:

In order to carry forward the traditional virtue of sincerity, strengthen the sincerity consciousness of members of society, strengthen the construction of a personal sincerity system, praise sincerity and punish trust-breaking, raise the credit levels of the entire society and create a beneficial credit environment, with the approval of the State Council, these Opinions are hereby put forward.

I, General requirements

(1) Guiding ideology. Comprehensively implement the spirit of the 18th Party Congress and the 3rd, 4th, 5th and 6rh Plenums of the 19th Party Congress, deeply implement the spirit of the series of important speeches by General Secretary Xi Jinping, abide by Party Centre and State Council policy decisions and arrangements, with fostering and practicing the Socialist core value view as foundation, forcefully carry forward a sincerity culture, accelerate the construction of personal sincerity records, perfect mechanisms for personal information security, privacy protection and credit recovery, complete incentive mechanisms for keeping trust and punitive mechanisms for breaking trust, ensure that trust keepers receive benefits and trust-breakers are subjected to restrictions, let sincerity become a common value pursuit and behavioural norm for all of society, vigorously create a benign social environment where “promise-keeping is glorious and trust-breaking shameful”.

(2) Basic principles.

First, government promotion, joint construction with society. Fully give rein to the organizing, leading, driving and demonstration role of government in the construction of a personal sincerity system. Standardize and develop credit investigation markets, encourage the mustering of social forces for broad participation, advance matters jointly, and create joint forces for the construction of a personal sincerity system.

Second, completing legal structures and standardizing development. Complete personal information laws regulations, regulatory structures, standards and norms, and strictly protect personal privacy and information security.

Third, comprehensive progress, focus on breakthroughs. Make focus areas and focus groups into breakthrough points, and promote the establishment of personal sincerity recording mechanisms in all localities and all sectors. Rely on nationwide credit information sharing platforms and all local credit information sharing platforms, basic financial credit information databases and personal credit investigation bodies, to respectively realize the recording, integration, processing and application of personal public credit information and personal credit investigation information.

Fourth, strengthening use, joint rewards and punishments. Vigorously foster public personal credit information product and application markets, popularize the socialized use of public personal credit information, and broaden the scope of application. Establish and complete joint reward and punishment mechanisms for personal sincerity, and expand incentives for individual promise-keeping and punishment for trust-breaking.

II, Strengthening personal sincerity education

(1) Forcefully carrying forward a sincerity culture. Put the construction of a sincerity culture in a prominent position, with fostering and practicing the Socialist core value view at the basis, forcefully disseminate credit knowledge, formulate and promulgate citizen sincerity norms, and let sincerity education permeate into the overall process of citizens’ morality construction and spiritual civilization construction. Strengthen education about social morality, professional ethics, household virtue and personal valour, and create a social atmosphere where “keeping promises is glorious, breaking trust is shameful, and not having trust is fearful”.

(2) Broadly launching sincerity propaganda. Combine important time periods and statutory holidays such as the Spring Festival, International Consumer Rights Say, Labour Day, Children’s Day, Online Sincerity Propaganda Day, Nationwide Credit Record Awareness Day, Sincerity for Business Flourishing Propaganda Month, National Day, National Constitution Day as well as National Legal Propaganda Day, etc., with concentrating propaganda concerning credit policies, laws and regulations, credit knowledge and model cases. Promote the creation of sincerity literature and artistic works and public interest advertisements integrating China’s traditional sincerity culture with the value views of the times, enrich sincerity propaganda carries, increase sincerity propaganda frequencies, and enhance sincerity propaganda levels.

(3) Vigorously introduce sincerity models. Fully give rein to the leading role of public opinion propaganda in media, forcefully discover and propagate exemplars of sincerity and virtue, excellent volunteers and other such sincerity models selected by relevant departments and social organizations. Organize that all websites set up online sincerity topics, regularly propagate and popularize all kinds of sincerity models and sincere deeds, roll out a batch of high-quality cultural works on the topic of online sincerity, strengthen warnings and education concerning cases of online trust-breaking. Support relevant departments and social organizations in recommending models of sincerity and persons with spotless credit records to society, and promote joint incentive measures for promise-keeping across departments and across areas.

(4) Comprehensively strengthening sincerity education in schools. Make sincerity education into an important component of ideological and moral education of primary and secondary as well as higher education students. Encourage higher education institutes to set up courses concerning social credit. Support higher education institutes meeting conditions to set up credit management-related majors. Promote schools to strengthen credit management, establish credit files for mature students of 18 years of age and higher, promote that students’ personal sincerity becomes an important reference factor for moving to a higher grade, graduation, selections and awards, scholarship grants, evaluation and recommendation, etc. Launch education focused on insincere acts such as exam fraud, academic fabrication, not carrying out the commitments to pay back student loans, forging employment materials, etc., and enter corresponding information into personal credit files according to laws and regulations.

(5) Broadly launching credit education and training. Establish and complete professional credit management training and specialized assessment structures. Expand training for credit employees, enrich their credit knowledge, and raise their credit management levels. Encourage all kinds of social organizations and enterprises to establish credit management and education structures, organize signature of credit commitment letters when entering jobs and launch credit knowledge training activities, and foster a corporate credit culture. Organize the compilation of credit knowledge readers, rely on all kinds of grass-roots organizations in communities (villages) to disseminate credit information to the public.

III, Accelerating the construction of personal sincerity records

(1) Promoting the perfection of personal real-name registration systems. Use the citizen identity number as a basis to build uniform citizen social credit coding systems. Promote citizen identification and fingerprint information registration work, and realize complete coverage of the uniform citizen social credit code. Use informatized technological means to incessantly strengthen personal identity information checking work, and ensure the uniqueness of personal identification information. Focus on the Internet, postal delivery, telecommunications, financial accounts to move the establishment of real-name registration systems forward, and lay a basis to accurately collect personal sincerity records.

(2) Establishing personal sincerity records in focus areas. With a focus on areas including food and drugs, production safety, fire safety, traffic safety, environmental protection, biological safety, product quality, tax payment, healthcare and medicine, labour protection, project construction, financial services, intellectual property rights, judicial litigation, e-commerce, volunteer services, etc., and targeting public servants, corporate legal representatives and their relevant responsible persons, layers, educators, doctors, professional pharmacists, assessors, tax specialists, registered fire safety engineers, accountants and auditors, housing intermediaries, notaries, financial employees, tourism employees and other such professional communities, relevant departments must accelerate the establishment and perfection of personal credit record creation mechanisms, timely collect sincerity information generated by relevant persons during relevant activities, ensure information is truthful and accurate, and realize timely and dynamic renewal. Basic financial credit information databases and personal credit investigation bodies must forcefully launch personal credit investigation collection and services in focus areas. Encourage sectoral associations, chambers of commerce and other such sectoral organizations to establish and complete member credit files.

IV, Perfecting personal information security, privacy protection and credit recovery mechanism.

(1) Protecting personal information security. Relevant departments must establish, complete and strictly implement regulatory structures to protect information security according to regulations, clarify limits and procedures for inquiry into and use of personal information, protect database security, establish and perfect personal information consultation and use registration and inspection systems, and prevent information leaks. Strictly abide by relevant laws and regulations, expand supervision and management of basic financial credit information databases and credit investigation bodies, ensure personal credit investigation businesses are run according to regulations, protect the lawful rights and interests of information subjects, and protect national information security. Establish credit files for credit investigation bodies and relevant personnel, as well as “blacklist” systems for businesses violating regulations.

(2) Strengthening privacy protection. Without legal or regulatory authorization, it is not permitted to collect public personal credit information. Strengthen the investigation and prosecution of leaks, falsifications, selling or illegal provision to others of personal information. Implement focused supervision on financial bodies, credit investigation bodies, Internet enterprises, big data companies and mobile application exploitation enterprises, and standardize personal information collection, provision and usage.

(3) Establishing credit recovery mechanisms. Establish mechanisms for correcting mistakes in and repairing public personal credit information, formulate regulatory structures and operational rules for dispute settlement and administrative redress. Clarify the period of display of all kinds of public credit information, no longer display or use public credit information past these time limits. Open up credit recovery channels, increase credit recovery methods explore methods such as active honouring of agreements, applying for time extensions, self-analysis , etc., to reduce trust-breaking losses, and recover credit through honouring agreements on time, voluntary service, philanthropic contributions, etc.

V, Standardizing the sharing and use of personal sincerity information

(1) Promoting public personal credit information sharing. Formulate nationwide uniform public personal credit information catalogues, categorized standards and sharing and exchange norms. Rely on all localities’ credit information sharing platforms to establish public personal credit information databases. Rely on the nationwide credit information sharing platform to progressively establish interlinked, interconnected and interaccessible mechanisms for public personal credit information across localities, across departments and across sectors.

(2) Vigorously launch public personal credit information services. All levels’ people’s governments must timely provide public personal credit information authorization and authorization services to society according to laws and regulations. Explore the construction of categorized management and hierarchical credit information management mechanisms based on public personal credit information. Localities and sectors meeting conditions shall establish public personal credit information and basic financial credit information database sharing relationships, and provide services to personal credit investigation bodies.

VI, Perfecting incentive mechanisms for personal promise-keeping and punishment mechanisms for trust-breaking.

(1) Providing more service conveniences to individuals with good credit. Establish good credit records for administrative counterparts with good credit situations as determined by relevant departments and social organizations who implement categorized credit supervision and management,, models of sincerity and virtue and outstanding volunteers, sincere members recommended by sectoral associations as well as sincere subjects discovered by news media, etc., all levels’ people’s governments must innovate incentive mechanisms for promise-keeping, and grant focus support to individuals with good credit records in areas such as education, employment and start-ups, and do their utmost to provide more convenient services; in the process of handling administrative licences, “green channel”, “expedited acceptance” and other such convenient service methods may be adopted according to the laws and on the basis of real circumstances to individuals with good credit records and administrative counterparts with a spotless credit record for three or more successive years. Encourage social bodies to use credit investigation products according to the law, grant preferential treatment and conveniences to persons with good credit records, and enable promise-keepers to gain more opportunities and benefits in the market.

(2) Implement joint punishment against grave trust-breakers in focus areas. Adopt joint punishment for grave trust-breaking activities against individuals who gravely endanger the physical health and the safety of the lives of the popular masses, who gravely destroy the fair competitive order of the market and the regular order of society, who refuse to carry out legal duties and gravely influence the creditability of judicial and administrative bodies, as well as refuse to carry out national defence duties. List gravely trust-breaking individuals who maliciously avoid debts, illegally raise funds, commit telecommunications fraud or online fraud, commit traffic violations, do not pay taxes sincerely and according to the law, etc., as focus supervision targets, and adopt administrative restrictions and punitive measures according to laws and regulations. At the same time as jointly punishing trust-breaking enterprise and undertaking work units, adopt corresponding joint punishment measures against related responsible persons according to the provisions of laws, regulations and policies, and implement joint punishment down to persons. Encourage that grave trust-breaking records emerging from an individual’s economic activities in the marketplace collected by basic financial credit information databases and personal credit investigation bodies are submitted to the nationwide credit information sharing platforms, as reference to carry out credit punishment measures.

(3) Promote the creation of marketized and socialized restrictions and punishments. Establish and complete structures for the disclosure, exposure and reporting of grave individual trust-breaking acts, rely on the “Credit China” website, to reveal grave individual trust breaking information held by all levels’ People’s Governments to the public, fully give rein to the public opinion supervision role of society to create strong social deterrence. Encourage market subjects to adopt differentiated services against gravely trust-breaking individuals. Support credit investigation bodies to collect information on grave trust-breaking acts, and enter them into credit records and credit reports.

VII, Strengthen guarantee measures

(1) Strengthening organizational leadership. All localities and all departments must plan comprehensively deploy and implement personal sincerity system construction work. Establish work assessment and progress mechanisms, and regularly conduct supervision, guidance and inspections of personal sincerity system construction work in their localities and their areas.

(2) Strengthening and completing laws and regulations. Progressively establish and perfect personal sincerity system construction laws and regulations, strengthen protection of personal information security and personal privacy, powerfully safeguard the rights of personal information subjects and their lawful interests, perfect regulatory systems for all links including public personal credit information recording, collection, processing and use, etc., and create a beneficial legal environment for the construction of a personal sincerity system.

(3) Expanding financial support. All localities and all departments must strengthen funding guarantees for the construction of a social credit system, and vigorously provide financial support to the organization and management work of the construction of a personal sincerity system. Expand financial support for the construction of public personal credit information databases, credit applications, propaganda, education and talent training.

(4) Strengthening the implementation of responsibilities. All localities and all departments must give high regard to the construction of a personal sincerity system, strengthen their sense of responsibility, divide work in detail, clarify time points for completion, ensure responsibility comes down to persons, work comes down to persons, and implementation comes down to persons.

All localities and all departments must strengthen leadership, give this high regard, take the initiative and set examples, integrate it with their work realty, and realistically and effectively launch work related to the construction of a pass. The National Development and Reform Commission will, together with relevant departments, be responsible for the comprehensive coordination, follow-up analysis, supervision and inspection of the implementation of these Opinions, and ensure that all work is advanced steadily and orderly.

State Council General Office

23 December 2016

国务院办公厅关于加强
个人诚信体系建设的指导意见
国办发〔2016〕98号

各省、自治区、直辖市人民政府,国务院各部委、各直属机构:
为弘扬诚信传统美德,增强社会成员诚信意识,加强个人诚信体系建设,褒扬诚信,惩戒失信,提高全社会信用水平,营造优良信用环境,经国务院同意,现提出以下意见。
一、总体要求
(一)指导思想。全面贯彻落实党的十八大和十八届三中、四中、五中、六中全会精神,深入贯彻习近平总书记系列重要讲话精神,按照党中央、国务院决策部署,以培育和践行社会主义核心价值观为根本,大力弘扬诚信文化,加快个人诚信记录建设,完善个人信息安全、隐私保护与信用修复机制,健全守信激励与失信惩戒机制,使守信者受益、失信者受限,让诚信成为全社会共同的价值追求和行为准则,积极营造“守信光荣、失信可耻”的良好社会氛围。
(二)基本原则。
一是政府推动,社会共建。充分发挥政府在个人诚信体系建设中的组织、引导、推动和示范作用。规范发展征信市场,鼓励调动社会力量广泛参与,共同推进,形成个人诚信体系建设合力。
二是健全法制,规范发展。健全个人信息法律法规、规章制度和标准规范,严格保护个人隐私和信息安全。
三是全面推进,重点突破。以重点领域、重点人群为突破口,推动建立各地区各行业个人诚信记录机制。依托全国信用信息共享平台与各地方信用信息共享平台、金融信用信息基础数据库与个人征信机构,分别实现个人公共信用信息、个人征信信息的记录、归集、处理和应用。
四是强化应用,奖惩联动。积极培育个人公共信用信息产品应用市场,推广个人公共信用信息社会化应用,拓宽应用范围。建立健全个人诚信奖惩联动机制,加大个人守信激励与失信惩戒力度。
二、加强个人诚信教育
(一)大力弘扬诚信文化。将诚信文化建设摆在突出位置,以培育和践行社会主义核心价值观为根本,大力普及信用知识,制定颁布公民诚信守则,将诚信教育贯穿公民道德建设和精神文明创建全过程。加强社会公德、职业道德、家庭美德和个人品德教育,营造“守信者荣、失信者耻、无信者忧”的社会氛围。
(二)广泛开展诚信宣传。结合春节、国际消费者权益日、劳动节、儿童节、网络诚信宣传日、全国信用记录关爱日、诚信兴商宣传月、国庆节、国家宪法日暨全国法制宣传日等重要时间节点和法定节假日,集中宣传信用政策法规、信用知识和典型案例。推动创作中华传统诚信文化与时代价值观相融合的诚信文艺作品、公益广告,丰富诚信宣传载体,增加诚信宣传频次,提升诚信宣传水平。
(三)积极推介诚信典型。充分发挥媒体舆论宣传引导作用,大力发掘、宣传有关部门和社会组织评选的诚信道德模范、优秀志愿者等诚信典型。组织各类网站开设网络诚信专题,经常性地宣传推广各类诚信典型、诚信事迹,推出一批高质量的网络诚信主题文化作品,加强网络失信案例警示教育。支持有关部门和社会组织向社会推介诚信典型和无不良信用记录者,推动实施跨部门、跨领域的守信联合激励措施。
(四)全面加强校园诚信教育。将诚信教育作为中小学和高校学生思想品德教育的重要内容。鼓励高校开设社会信用领域相关课程。支持有条件的高校院所开设信用管理相关专业。推动学校加强信用管理,建立健全18岁以上成年学生诚信档案,推动将学生个人诚信作为升学、毕业、评先评优、奖学金发放、鉴定推荐等环节的重要考量因素。针对考试舞弊、学术造假、不履行助学贷款还款承诺、伪造就业材料等不诚信行为开展教育,并依法依规将相关信息记入个人信用档案。
(五)广泛开展信用教育培训。建立健全信用管理职业培训与专业考评制度。加大对信用从业人员的培训力度,丰富信用知识,提高信用管理水平。鼓励各类社会组织和企业建立信用管理和教育制度,组织签署入职信用承诺书和开展信用知识培训活动,培育企业信用文化。组织编写信用知识读本,依托社区(村)各类基层组织,向公众普及信用知识。
三、加快推进个人诚信记录建设
(一)推动完善个人实名登记制度。以公民身份号码制度为基础,推进公民统一社会信用代码制度建设。推动居民身份证登记指纹信息工作,实现公民统一社会信用代码全覆盖。运用信息化技术手段,不断加强个人身份信息的查核工作,确保个人身份识别信息的唯一性。以互联网、邮寄递送、电信、金融账户等领域为重点,推进建立实名登记制度,为准确采集个人诚信记录奠定基础。
(二)建立重点领域个人诚信记录。以食品药品、安全生产、消防安全、交通安全、环境保护、生物安全、产品质量、税收缴纳、医疗卫生、劳动保障、工程建设、金融服务、知识产权、司法诉讼、电子商务、志愿服务等领域为重点,以公务员、企业法定代表人及相关责任人、律师、教师、医师、执业药师、评估师、税务师、注册消防工程师、会计审计人员、房地产中介从业人员、认证人员、金融从业人员、导游等职业人群为主要对象,有关部门要加快建立和完善个人信用记录形成机制,及时归集有关人员在相关活动中形成的诚信信息,确保信息真实准确,实现及时动态更新。金融信用信息基础数据库和个人征信机构要大力开展重点领域个人征信信息的归集与服务。鼓励行业协会、商会等行业组织建立健全会员信用档案。
四、完善个人信息安全、隐私保护与信用修复机制
(一)保护个人信息安全。有关部门要严格按照规定建立健全并严格执行保障信息安全的规章制度,明确个人信息查询使用权限和程序,做好数据库安全防护工作,建立完善个人信息查询使用登记和审查制度,防止信息泄露。严格按照相关法律法规,加大对金融信用信息基础数据库、征信机构的监管力度,确保个人征信业务合规开展,保障信息主体合法权益,确保国家信息安全。建立征信机构及相关人员信用档案和违规经营“黑名单”制度。
(二)加强隐私保护。未经法律法规授权不得采集个人公共信用信息。加大对泄露、篡改、毁损、出售或者非法向他人提供个人信息等行为的查处力度。对金融机构、征信机构、互联网企业、大数据公司、移动应用程序开发企业实施重点监控,规范其个人信息采集、提供和使用行为。
(三)建立信用修复机制。建立个人公共信用信息纠错、修复机制,制定异议处理、行政复议等管理制度及操作细则。明确各类公共信用信息展示期限,不再展示使用超过期限的公共信用信息。畅通信用修复渠道,丰富信用修复方式,探索通过事后主动履约、申请延期、自主解释等方式减少失信损失,通过按时履约、志愿服务、慈善捐助等方式修复信用。
五、规范推进个人诚信信息共享使用
(一)推动个人公共信用信息共享。制定全国统一的个人公共信用信息目录、分类标准和共享交换规范。依托各地方信用信息共享平台建立个人公共信用信息数据库。依托全国信用信息共享平台,逐步建立跨区域、跨部门、跨行业个人公共信用信息的互联、互通、互查机制。
(二)积极开展个人公共信用信息服务。各级人民政府要依法依规及时向社会提供个人公共信用信息授权查询服务。探索依据个人公共信用信息构建分类管理和诚信积分管理机制。有条件的地区和行业应建立个人公共信用信息与金融信用信息基础数据库的共享关系,并向个人征信机构提供服务。
六、完善个人守信激励和失信惩戒机制
(一)为优良信用个人提供更多服务便利。对有关部门和社会组织实施信用分类监管确定的信用状况良好的行政相对人、诚信道德模范、优秀志愿者,行业协会商会推荐的诚信会员,以及新闻媒体挖掘的诚信主体等建立优良信用记录,各级人民政府要创新守信激励措施,对具有优良信用记录的个人,在教育、就业、创业等领域给予重点支持,尽力提供更多便利服务;在办理行政许可过程中,对具有优良信用记录的个人和连续三年以上无不良信用记录的行政相对人,可根据实际情况依法采取“绿色通道”和“容缺受理”等便利服务措施。鼓励社会机构依法使用征信产品,对具有优良信用记录的个人给予优惠和便利,使守信者在市场中获得更多机会和收益。
(二)对重点领域严重失信个人实施联合惩戒。依法依规对严重危害人民群众身体健康和生命安全、严重破坏市场公平竞争秩序和社会正常秩序、拒不履行法定义务严重影响司法机关和行政机关公信力以及拒不履行国防义务等个人严重失信行为采取联合惩戒措施。将恶意逃废债务、非法集资、电信诈骗、网络欺诈、交通违法、不依法诚信纳税等严重失信个人列为重点监管对象,依法依规采取行政性约束和惩戒措施。在对失信企事业单位进行联合惩戒的同时,依照法律法规和政策规定对相关责任人员采取相应的联合惩戒措施,将联合惩戒措施落实到人。鼓励将金融信用信息基础数据库和个人征信机构采集的个人在市场经济活动中产生的严重失信记录,推送至全国信用信息共享平台,作为实施信用惩戒措施的参考。
(三)推动形成市场性、社会性约束和惩戒。建立健全个人严重失信行为披露、曝光与举报制度,依托“信用中国”网站,依法向社会公开披露各级人民政府掌握的个人严重失信信息,充分发挥社会舆论监督作用,形成强大的社会震慑力。鼓励市场主体对严重失信个人采取差别化服务。支持征信机构采集严重失信行为信息,纳入信用记录和信用报告。
七、强化保障措施
(一)加强组织领导。各地区各部门要统筹规划,部署实施个人诚信体系建设工作。建立工作考核推进机制,对本地区、本领域个人诚信体系建设工作要定期进行督促、指导和检查。
(二)建立健全法律法规。逐步建立和完善个人诚信体系建设法律法规,加强对个人信息安全和个人隐私的保护,有力维护个人信息的主体权利与合法权益,完善个人公共信用信息记录、归集、处理和应用等各环节的规范制度,为个人诚信体系建设创造良好的法制环境。
(三)加大资金支持力度。各地区各部门要加强社会信用体系建设经费保障,对个人诚信体系建设组织工作、管理工作积极予以经费支持。加大对个人公共信用信息数据库建设、信息应用、宣传教育和人才培训等各方面的资金支持力度。
(四)强化责任落实。各地区各部门要高度重视个人诚信体系建设工作,强化责任意识,细化分工,明确完成时间节点,确保责任到人、工作到人、落实到人。
各地区各部门要加强领导,高度重视,率先垂范,结合工作实际,切实有效开展个人诚信体系建设相关工作。国家发展改革委会同有关部门负责对本意见落实工作的统筹协调、跟踪了解、督促检查,确保各项工作平稳有序推进。
国务院办公厅
2016年12月23日

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