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The scene of the press conference on the special governance of the construction of creditworthiness in Huanggang City in 2021. Photo by Hu Xiaojun
Jingchu Network (Hubei Daily Network) News (reporter Hu Xiaojun correspondent Zheng Hua, Guo Si) On November 19, Huanggang City held a press conference on the city's 2021 special governance of integrity construction. Xu Bo, president of the Huanggang City Center Branch of the Chinese Bank, introduced the special governance of the problem of untrustworthiness in the financial sector.
Since the beginning of this year, the Municipal People's Bank of China has adhered to the concept of "finance for the people", actively carried out publicity on the culture of creditworthiness, deeply promoted the construction of the credit system, vigorously implemented the rectification of untrustworthiness in the financial sector, further optimized the city's financial ecological environment, and further polished the "Credit Huanggang" brand.
Xu Bo introduced the special governance of untrustworthiness in the financial sector. Hu Xiaojun
A total of 182 financial institution outlets have participated in the publicity of creditworthiness
Xu Bo said that in the special governance of untrustworthiness in the financial sector, the Municipal People's Bank has made every effort to do a good job in credit publicity work and strengthened warning education on cases of untrustworthiness.
Since the beginning of this year, the Municipal People's Bank of China has made full use of important time nodes such as the 3.15 Consumer Rights and Interests Protection Day, the 6.14 Credit Record Care Day, and the September Financial Knowledge Popularization Month to organize the city's financial institutions to extensively carry out 14 "five advances" publicity activities such as creditworthiness culture education into business circles, campuses, enterprises, rural areas, and communities, and concentrated on publicizing credit policies and regulations, anti-fraud knowledge, and typical cases by hanging banners, placing leaflets, and playing LED electronic propaganda subtitles.
By the end of October, there were 182 financial institution outlets participating in creditworthiness publicity, 45 functional government departments participating in publicity, 13 news media participating in publicity and reporting, and a publicity audience of nearly 64,000 people, creating a good social public opinion atmosphere of "honor for the trustworthy, shame for the untrustworthy, and worry for the untrustworthy".
Make every effort to promote the creation of three-level credit in rural areas
Since the beginning of this year, the Municipal People's Bank of China has implemented the "Notice on Continuously Promoting the Construction of Rural Credit Projects in the Province", set up a special class for the creation of work, coordinated the work of creating financial credit users, credit villages, and credit townships in the city, and made every effort to promote the creation of three-level credit in rural areas.
By the end of the third quarter, there were 1.243 million credit archives in the city, accounting for 85% of the total number of rural households in the city, 862,000 credit users, 3,537 credit villages, and 123 credit townships.
Keeping an eye on credit empowerment, the Municipal People's Bank of China has built a "one-stop" online financing platform, organized the preparation of the "Huanggang Smart Financial Platform Upgrade Requirements Book", and negotiated with the Municipal Financial Work Bureau to promote the optimization and upgrading of the municipal platform. Actively promote movable property financing to help small and medium-sized enterprises alleviate financing problems.
By the end of September, the city's movable property financing unified registration system had registered 200 registered users, registered 2,291 publicity, and made more than 6,000 inquiries.
In addition, since the beginning of this year, the Municipal People's Bank of China has made two-way efforts to promote government procurement financing business. By the end of September, the city had handled 91 offline "government procurement loans" loans with an amount of 245 million yuan, serving 62 bidding enterprises in government procurement projects. At present, the bank is working with the Municipal Finance Bureau and the Municipal Economic Bureau to promote the construction of the online platform for "government procurement and loans", which is expected to be completed and put into use by the end of the year.
Strengthen joint disciplinary action Filed 511 court lawsuits for enforcement
Xu Bo introduced that since the beginning of this year, the Municipal People's Bank of China has issued the "Notice on Further Strengthening the Implementation of Joint Disciplinary Action against Untrustworthy Entities by Financial Institutions in Huanggang City", and established a special leading group for joint disciplinary action to guide financial institutions to carry out joint disciplinary action against untrustworthy entities.
By the end of October, the city's financial institutions had refused to apply for 426 cards, locked 37 cards, refused to apply for 891 loans with an amount of 84.4969 million yuan, of which 870 were individuals with an amount of 68.0619 million yuan, 21 enterprises with an amount of 16.435 million yuan, a reduction in the amount of credit of 930,000 yuan, a reduction in credit rating 9 times, a downgrade of loan forms 18 times, and 511 court lawsuits were filed, and the role of joint disciplinary action in promoting the creation of a creditworthy society was further highlighted.
At the same time, the "Notice on Strengthening the Prevention of Credit Reporting and Repairing Market Chaos" was formulated, and special actions were organized to clean up and rectify the credit reporting market. By the end of October, there were 14 enterprises involved in credit reporting in the city, and 12 enterprises had been cleaned up, of which 8 had been cancelled, 4 had changed their business scope, and the credit market had achieved good results in cleaning up and rectifying.
In addition, the Municipal People's Bank has established and improved a mechanism for handling objections to credit reporting, resolutely safeguarding the rights and interests of information subjects. By the end of October, a total of 74 credit reporting objections had been accepted, of which 59 were individuals and 15 were enterprises, and all of them had been replied to.