Focus on | strive for three years to fully implement!Textile companies should take note

2022-06-23 0 By

An executive meeting of The State Council recently decided to implement classified management of enterprise credit risks to promote fairer and more effective supervision.”Opinions on Promoting classified management of Enterprise credit risk to Further improve supervision efficiency” (hereinafter referred to as “Opinions”) has been published recently, and it is proposed to strive to use about 3 years to comprehensively implement classified management of enterprise credit risk in the market supervision system.On February 15, The State Council Information Office held a regular policy briefing of The State Council, at which the relevant official of the State Administration for Market Regulation introduced the situation of promoting classified management of enterprise credit risk to further improve the supervision efficiency.1. Why should classified management of enterprise credit risk be promoted?Promoting classified management of enterprise credit risk is an important part of further building a new credit-based regulatory mechanism, and an effective measure to innovate and strengthen the whole chain and the whole field of supervision during and after the event.Comprehensively promoting classified management of enterprise credit risk is an innovative institutional supply to strengthen market supervision under the new situation, which is very important for building a credit-oriented business environment.First, it is necessary to stimulate the vitality of market players.With the continuous improvement of credit supervision system, the influence of credit supervision on shaping the behavior of market subjects and the market environment has gradually emerged, and enterprise credit risk has become an important factor in macro decision-making and micro management.To promote classified management of enterprise credit risks is to better serve the development of enterprises, to ensure effective and impartial supervision, to create a good environment for law-abiding and honest enterprises, to ensure that supervision is everywhere for those who break the law and break the trust, and to ensure that nothing happens to those who are honest and law-abiding, and to promote fair competition and survival of the fittest through impartial supervision.Second, the urgent need to optimize the allocation of regulatory resources.With the deepening of the reform to delegate power, delegate power, improve regulation, and provide services, the number of market players in China has increased by a significant amount. The number of market players in China has jumped to 150 million, including 48 million enterprises.In the face of super-large market and market players, it has become a major task to build a modern market supervision system by constantly innovating supervision methods and improving supervision efficiency.By promoting classified management of enterprise credit risks, the State Administration for Market Regulation implements classified supervision of enterprises according to credit risk status, solves “big problems” in supervision from “small cuts”, promotes higher level of “release” with better “management”, enhances market subjects with credit, and enables market supervision with credit.We will take China’s economy on a new journey of higher quality, more efficient and fairer development.2. How to conduct classified management of enterprise credit risk?Market supervision departments at all levels shall scientifically determine the risk level of enterprises breaking the law and breaking the trust, and implement hierarchical and classified supervision according to the credit risk level and industry characteristics of the supervised objects.First, the scientific implementation of classification, accurate research and judgment of enterprise credit risk.Scientific construction of the index system, comprehensive use of all kinds of risk information to implement automatic classification of enterprises.Second, we will strengthen the use of classification results to make regulation more precise and effective.Clarify the integration of enterprise credit risk classification management with “double random, one open” supervision and risk prevention and control in specialized fields.Third, strengthen monitoring and early warning to effectively prevent and defuse risks.We will strengthen the monitoring, early warning and handling of corporate credit risks, move the regulatory threshold forward, and shift from passive to active supervision.3. How to achieve scientific and accurate classification of enterprise credit risk?The first aspect is the collection of enterprise-related information. The State Administration for Market Regulation has built the national enterprise credit information publicity system, and through the publicity system, it collects the enterprise-related information generated and publicized by government departments in the process of performing their duties according to law.Under the premise of protecting personal privacy and trade secrets in accordance with the law, the publicity system collects information such as registration, administrative license, administrative punishment, annual report publicity, spot check and inspection results of all enterprises. Meanwhile, it further collects and collates dynamic credit information such as complaints and reports, Internet public opinion and foreign investment.These information lay a foundation for the classification of enterprise credit risk.The second aspect is the construction of the index system. The State Administration for Market Regulation drew on the experience and practices of mature credit risk classification index system at home and abroad, and developed the first version of the general enterprise credit risk classification index system by using big data, machine learning and other methods.It contains 5 first-level indicators, 25 second-level indicators and 81 third-level indicators, including enterprise basic attribute information, enterprise dynamic information, supervision information, foreign investment information and social evaluation information, and preliminarily realizes the credit risk classification of all enterprises.The third aspect is in the information system construction, the State Administration for Market Regulation has organized the development and construction of enterprise credit risk classification management system, formulated the Technical Plan of Enterprise Credit Risk Classification Management System, General Enterprise Credit Risk Classification Standard, Enterprise Credit Risk Classification Management Data specification and other technical documents.The technical framework, basic functions and data interface specifications of enterprise credit risk classification management system are defined, which provides information technology support for realizing automatic classification of enterprise credit risk in various regions.4 what benefits can low credit risk enterprises get?The main purpose of the classified management of enterprise credit risk is to optimize the allocation of regulatory resources, improve the accuracy and effectiveness of supervision, so that supervision will be “ubiquitous” for those who break the law and break the trust, and “not disturbing” those who keep the good faith, and promote fair competition and survival of the fittest through just supervision.The relationship between enterprise credit risk classification management and enterprises can be understood from the following two aspects.On the one hand, the integrity of the law “no matter not to disturb”.The classification results of enterprise credit risk are the reference basis for market supervision departments to implement differentiated supervision on enterprises.”Opinion” regulation, the low class A enterprise credit risk, market regulators will be in the “double random, A public regulation” reasonable to reduce the spot-check proportion and frequency, in addition to the complaint report, big data monitoring found that the problem, complaint case clues and assigned by it is otherwise prescribed by laws and regulations can not take the initiative to conduct inspections according to actual condition, to achieve “no things not faze”.On the other hand, those who break the law and break trust are “everywhere”.The Opinions make it clear that D enterprises with high credit risks will be strictly supervised, the proportion and frequency of spot checks will be significantly increased, and on-site inspections will be carried out when necessary to be “everywhere”.Through implement differentiation for different categories of enterprise credit risk regulatory measures, do effective supervision and fair regulation, for law-abiding integrity enterprises make good comfortable operating environment, make illegal faithless limited companies everywhere, to build honest and trustworthy, fair competition market environment, conducive to stimulate the market main body vitality and creativity.At the same time, it can effectively prevent the excessive intervention of regulatory departments on the business behavior of market subjects, reduce the burden of enterprises to the maximum extent, and better serve the development of enterprises.This is also a constraint on the power of market regulators.It should be noted that the classification results of enterprise credit risk are dynamically adjusted. Enterprises should pay attention to their own credit accumulation, operate in good faith according to law, and reduce their own credit risk and improve their market reputation and competitiveness by actively correcting trust-breaking behaviors, eliminating adverse effects and reshaping good credit.The opinions also encourage local market regulators to actively explore the comprehensive application of enterprise credit risk classification results, enhance the “sense of acquisition” of credit value, and boost the positive cycle of “good money driving out bad money”.Original works, reproduced please indicate the source, infringement will be prosecuted.