Recently, the executive meeting of the State Council decided to implement the classification management of enterprise credit risk to promote more fair and effective supervision. The "Opinions on Promoting the Classification Management of Enterprise Credit Risks to Further Improve the Effectiveness of Supervision" has been released recently, proposing to strive to use about 3 years for the market supervision system to fully implement the classification management of enterprise credit risks.
On February 15, the Information Office of the State Council held a regular briefing on State Council policies to introduce the situation of promoting the classification management of enterprise credit risks and further improving the efficiency of supervision.
Q: How to implement differentiated supervision for enterprises with different credit risk categories?
State Administration for Market Regulation:
·For honest and law-abiding people, "nothing to disturb"
For Class A enterprises with low credit risk, the market supervision department will reasonably reduce the proportion and frequency of spot checks in the "double random, one open" supervision, except for complaints and reports, big data monitoring and problems, transfer of case leads and other laws and regulations, according to the actual situation, it may not take the initiative to implement on-site inspections, so as to achieve "nothing to disturb".
·"Everywhere" for those who break the law and break the trust
For Class D enterprises with high credit risks, strict supervision is implemented, the proportion and frequency of spot checks are greatly increased in a targeted manner, and when necessary, on-site inspections are actively implemented to achieve "ubiquitous".
Through the implementation of differentiated regulatory measures for enterprises with different credit risk categories, effective supervision and fair supervision are achieved, a good and relaxed business environment is created for law-abiding and honest enterprises, so that illegal and untrustworthy enterprises are restricted everywhere, creating a market environment of honesty, trustworthiness, and fair competition, and fully stimulating the vitality and creativity of market entities.
Q: How to ensure the scientific and accurate classification of enterprise credit risk?
In terms of enterprise-related information collection: The State Administration for Market Regulation has built a national enterprise credit information publicity system, under the premise of protecting personal privacy and commercial secrets in accordance with the law, the current publicity system collects information such as registration, administrative licensing, administrative punishment, annual report publicity, and spot check results of all enterprises, and further collects and sorts out dynamic credit information such as complaints and reports, Internet public opinion, and foreign investment, laying a foundation for the classification of enterprise credit risks.
In terms of the construction of the indicator system: The State Administration for Market Regulation has formulated and completed the first version of the general enterprise credit risk classification index system by using big data, machine learning and other methods, including 5 first-level indicators such as enterprise basic attribute information, enterprise dynamic information, regulatory information, overseas investment information, and social evaluation information, and 25 second-level indicators and 81 third-level indicators, and initially realized the credit risk classification of all enterprises.
In terms of information system construction: The State Administration for Market Regulation organized the development and construction of the enterprise credit risk classification management system, formulated the "Enterprise Credit Risk Classification Management System Technical Program", "General Enterprise Credit Risk Classification Standard", "Enterprise Credit Risk Classification Management Data Specification" and other technical documents, clarified the technical framework, basic functions, data interface specifications and other matters of the enterprise credit risk classification management system, and provided information technology support for the realization of automatic classification of enterprise credit risks in various places.
Q: How to strengthen the monitoring and early warning of corporate credit risk?
On the one hand, strengthen the monitoring and early warning of the main risk points of enterprises
According to the characteristics of high-risk behaviors with universality and regularity found in daily supervision, select a number of key indicator items with high correlation with enterprise credit risk, such as abnormal registration, abnormal changes, abnormal growth of complaints and reports, etc., to conduct real-time monitoring, early detection of hidden risks of enterprises and deal with them according to law, and promote the advancement of regulatory thresholds.
On the other hand, strengthen the comprehensive research and judgment and disposal of enterprise credit risks
Through comprehensive analysis of the results of enterprise credit risk classification, scientific research and judgment of the overall credit risk status, early detection of high-risk areas and high-risk industries, employ targeted spot checks, special inspections and other measures, timely resolve risks, and realize the transformation from passive supervision to active supervision.
Q: What are the application scenarios for the results of enterprise credit risk classification?
The purpose of promoting the classification of enterprise credit risk is not to classify enterprises, but to use the classification results to improve the efficiency of market supervision. The richer the application scenarios of the credit risk classification results of enterprises, the higher the convenience of supervision, and the stronger the sense of acquisition of enterprises.
The first is the organic integration with "double random, one open" supervision
By promoting the categorical management of enterprise credit risks, reasonably determining and dynamically adjusting the proportion, frequency and inspection methods of enterprises with different credit risk categories, the rational allocation and efficient use of regulatory resources can be realized.
The second is to effectively combine risk prevention and control with professional fields
The market supervision department will promote the management of corporate credit risk and achieve a general improvement in the effectiveness of supervision in various professional fields. Especially for key areas such as food, medicine, and special equipment, combined with the classification and management of enterprise credit risks, further realize key supervision and whole chain supervision.
The third is to combine with the exploration and improvement of new industries, new formats and new models of supervision
In recent years, new industries, new formats and new models have emerged, they are in the early stage of development, may produce such and such problems, which requires us to give full play to the role of enterprise credit risk classification management, the implementation of scientific and effective supervision, in strict compliance with the safety bottom line under the premise of leaving room for their development, to promote the innovation and development of enterprises.
Q: How to promote the risk classification management of enterprises in the field of food safety?
In the field of food safety, at present, the market supervision department has established a four-level risk classification management system, which divides the risk level of food enterprises from low to high into four grades, and determines the frequency, content and method of inspection accordingly. For example, for those who deliberately violate food safety laws and regulations and receive administrative penalties, fail to pass supervision and sampling for more than 2 consecutive times, do not carry out product recalls or stop production and operation in accordance with regulations, refuse, evade or obstruct law enforcement personnel to supervise and inspect, or refuse to cooperate with law enforcement personnel to conduct case investigations in accordance with law, the food safety risk level will be raised.
In the next step, we will further promote the effective connection between food risk classification and credit risk classification, and all the information on supervision and inspection results and administrative penalties will be released to the public through the national enterprise credit information publicity system, and joint disciplinary action will be carried out for enterprises and individuals with many complaints and reports, included in the list of abnormal operations, and have records of serious violations of laws and regulations, and will be restricted or prohibited in accordance with law in terms of access, financing, credit, credit reporting, etc., so that untrustworthy persons and untrustworthy enterprises will be "untrustworthy in one place and restricted everywhere". Pay a heavy reputational price, a commercial price.
(Source: Chinese government website)