What does the credit test of individual industrial and commercial households mean?

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Individual industrial and commercial households refer to individual operators who use personal or family property as business capital and are approved and registered according to law to engage in non-agricultural industrial and commercial activities within the statutory scope.

When individual industrial and commercial households develop well, they become large and medium-sized enterprises. When large and medium-sized enterprises shrink, they return to individual industrial and commercial households. Individual industrial and commercial households engaged in production and business activities must abide by state laws, pay taxes according to regulations, and obey industrial and commercial management.

Extended data:

Legal characteristics of 1

Individual industrial and commercial households are the legal expression of individual industrial and commercial economy, which has the following characteristics:

1. Individual industrial and commercial households are natural persons or families engaged in industrial and commercial operations. Natural persons who engage in industrial and commercial operations by individuals or families are all individual industrial and commercial households. According to the relevant policies of the law, those who can apply for individual industrial and commercial households are mainly unemployed young people in cities and towns, social idlers and rural villagers. In addition, cadres of state organs and employees of enterprises and institutions cannot apply to engage in individual industrial and commercial operations.

2. Natural persons engaged in individual industrial and commercial operations must be approved and registered according to law. The registration authority of individual industrial and commercial households is the administrative department for industry and commerce at or above the county level. Individual industrial and commercial households can only start business after being approved and registered and obtaining a business license. When individual industrial and commercial households change jobs, merge, change registered items or go out of business, they should also go through the registration procedures.

3. Individual industrial and commercial households can only engage in industries where laws and policies allow individual businesses.

2 legal status

Within the scope of approval and registration according to law, individual industrial and commercial households enjoy the capacity for civil rights and capacity for civil conduct in their operations. The legitimate business activities of individual industrial and commercial households are protected by law, and individual industrial and commercial households enjoy ownership of their business assets and legitimate income. Individual industrial and commercial households can open an account in a bank, apply for a loan from the bank, have the right to apply for the exclusive right to use a trademark, have the right to sign a labor contract, have the right to hire a helper to take an apprentice, and also have the right to name and seal.

Individual industrial and commercial households engaged in production and business activities must abide by state laws, pay taxes according to regulations, and obey industrial and commercial administration. Individual industrial and commercial households engaged in illegal business operations must bear civil liability and other legal liabilities.

3 Property liability

Article 56 of the General Principles of the Civil Law stipulates that the debts of individual industrial and commercial households shall be borne by personal property if they are operated by individuals; Family business, with family property. That is, individual industrial and commercial households that apply for registration in their own names, and individuals operate and their profits also belong to individuals, and individuals are liable for debts; If the family invests in the same property, or the main part of the income is consumed by family members, the debt shall be paid off with family property; During the existence of the relationship between husband and wife, if one party is engaged in individual business and his income is the property of husband and wife, his debts shall be paid off with the property of husband and wife; If all members of the family jointly contribute * * * to jointly operate, their debts shall be paid off with the family property.