Credit information appeal process

Key task

(1) Strengthen personal integrity education.

1. Vigorously promote the culture of clean government. Put the construction of honesty culture in a prominent position and cultivate and practice the socialist core values. Vigorously popularize credit knowledge, implement the citizen's integrity standards, and put integrity education through the whole process of citizen's moral construction and spiritual civilization creation. Strengthen the education of social morality, professional ethics, family virtues and personal morality, and create a social atmosphere of "those who keep promises will be honored, those who break promises will be ashamed, and those who break promises will be worried". (The Propaganda Department of the Municipal Party Committee, the Office of the Municipal Spiritual Civilization Construction Committee and other relevant departments are responsible for the division of responsibilities; 2017 65438+completed before the end of February)

2. Carry out extensive publicity on integrity. In combination with the Spring Festival, International Consumer Rights Day, Labor Day, Children's Day, Network Integrity Publicity Day, National Credit Record Care Day, Integrity Publicity Month, National Day, National Constitution Day, Intellectual Property Publicity Week, major events and legal holidays, we will carry out in-depth integrity publicity activities, focusing on strengthening the integrity publicity and education of young people, focusing on promoting integrity concepts, credit policies and regulations, credit knowledge and typical cases among young people. Combine China's traditional culture of clean government with the values of the times, make a series of clean government literature works and public service advertisements with diverse themes and lively expressions, shoot films close to public life and loved by the masses, enrich the carrier of clean government propaganda, and improve the level of clean government propaganda with the help of new media propaganda modes such as the Internet. (Municipal Party Committee Propaganda Department, Communist Youth League Committee, Municipal Market Supervision Committee, Municipal Party Committee Information Office, Tianjin Branch of the People's Bank of China, Municipal Commission of Commerce, Municipal Bureau of Justice and other relevant departments, the district people's governments are responsible according to the division of responsibilities; Move on)

3. Actively promote the integrity model. Vigorously explore and publicize the honesty models selected by relevant departments and social organizations, such as administrative counterparts, honesty and moral models, and outstanding volunteers with good credit status, so that the whole society can set an example and be targeted. Organize the website of "Credit Tianjin" and the portal websites of all districts and departments to open online integrity columns to publicize and promote all kinds of integrity models and deeds. Launch a number of high-quality cultural works with the theme of network integrity, and strengthen the warning education of network dishonesty cases. Further improve the notification mechanism of typical cases of joint rewards and punishments, select representative and exemplary typical cases for publicity on the websites of Credit China and Credit Tianjin, and update them regularly. (The Propaganda Department of the Municipal Party Committee, the Office of the Municipal Spiritual Civilization Construction Committee, the Network Information Office of the Municipal Party Committee and other relevant departments, and the district people's governments are responsible for the division of responsibilities; 2018 65438+completed before the end of February)

4. Comprehensively strengthen the integrity education on campus. Add the content of honesty education to the teaching of basic education, higher education, vocational education and adult education. Support qualified universities to offer credit management related majors and social credit related courses. Hold a knowledge contest on honesty in colleges and universities. Relying on the student status management system, collect the public credit information of students during their school days, establish and improve the credit files of adult students above 18, and promote students' personal integrity as an important consideration in the process of further study, graduation, evaluation, scholarship issuance, evaluation and recommendation. Educate dishonest behaviors such as cheating in exams, academic fraud, failure to fulfill the repayment promise of student loans, and forging employment materials, and record relevant information in personal credit files according to laws and regulations. (The Municipal Education Commission is responsible; Move on)

5. Carry out extensive credit education and training. Strengthen the training of credit practitioners, enrich credit knowledge and improve the level of credit management. Promote all kinds of social organizations and enterprises to establish credit management and education systems, organize social organizations to fill in social organization self-discipline commitment letters when registering and changing information, carry out credit knowledge training activities, and cultivate enterprise credit culture. Organize the compilation of credit knowledge reading books and story albums, and distribute them to government departments, market entities, schools and the public to popularize credit knowledge. (The Municipal Development and Reform Commission and the Civil Affairs Bureau are respectively responsible for the division of responsibilities; Move on)

(2) Accelerate the construction of personal credit records.

1. Promote the improvement of personal real-name registration system. In accordance with the unified national arrangements, we will promote the construction of a unified social credit code system for citizens based on the citizenship number system. Strengthen the collection and update of resident ID card information, promote the registration of fingerprint information of resident ID card, and realize the full coverage of citizens' unified social credit code. Standardize the use of identity documents and strengthen the enjoyment of personal identity basic information. Through information technology, strengthen the supervision of registered resident citizenship numbers to ensure the uniqueness of personal identity information. Determine the implementation scope of the real-name registration system according to the law and regulations, focus on transportation, dangerous goods circulation, Internet, postal delivery, telecommunications, financial accounts, employment and social security, and fully implement the real-name registration system, laying the foundation for accurately collecting personal credit information records and joint rewards and punishments. (Municipal Public Security Bureau, Municipal Development and Reform Commission, Municipal Party Committee Information Office, Municipal Communications Commission, Tianjin Branch of the People's Bank of China and other relevant departments are responsible for the division of responsibilities; Move on)

2. Establish personal integrity records in key areas. In accordance with the unified national arrangements, focusing on food and medicine, production safety, fire safety, traffic safety, environmental protection, biosafety, product quality, tax payment, medical and health care, labor security, engineering construction, financial services, intellectual property rights, judicial proceedings, e-commerce and voluntary services, With civil servants, legal representatives of enterprises and relevant responsible persons, lawyers, teachers, doctors, licensed pharmacists, appraisers, tax agents, registered fire engineers, registered architects, accounting auditors, real estate agents, Certification staff, financial practitioners, tour guides, patent agents and other professional groups as the main targets, all relevant departments should clarify the integrity records of key groups in this system and this field. Standardize the credit information collection, review, entry, update, archiving, repair and other processes, establish and improve the credit files of relevant personnel, designate a special person to be responsible for the collection and submission of credit information, ensure that the information is true and accurate, realize the dynamic update of information, and push it to the credit information sharing and exchange system in time to realize the sharing and exchange of personal credit information. Support the basic database of financial credit information and personal credit reporting institutions to carry out personal credit information collection and service in key areas according to law. Encourage industry associations and other industry organizations to establish and improve the membership credit files, and push relevant information to the credit information sharing and exchange system. (Municipal Market Supervision Committee, Municipal Safety Supervision Bureau, Municipal Public Security Bureau, Municipal Environmental Protection Bureau, Municipal Local Taxation Bureau, Municipal Health and Family Planning Commission, Municipal Construction Committee, Municipal Finance Bureau, Municipal Finance Bureau, Municipal Intellectual Property Office, Municipal Judicial Bureau, Municipal Network Information Office, Municipal Development and Reform Commission, Municipal Commerce Commission, Civil Affairs Bureau, Communist Youth League Committee, Municipal Civil Service Bureau, Municipal Education Commission, Municipal Tourism Bureau, Municipal Bureau of Land and Housing Management, Tianjin Branch of the People's Bank of China and other relevant departments are responsible according to the division of responsibilities. Move on)

(3) Improve personal information security, privacy protection and credit repair mechanism.

1. Protect personal information. Establish, improve and strictly implement the system of personal information recording, collection, exchange, use and security, clarify the personal information management process and requirements of each link, do a good job in database security protection and prevent information leakage. In strict accordance with relevant laws and regulations, strengthen the supervision of credit reporting institutions, ensure the compliance of personal credit reporting business, and protect the legitimate rights and interests of information subjects. In accordance with the unified arrangements of the state, the credit files of credit reporting agencies and their employees and the "blacklist" system for illegal operations will be established. (Tianjin Branch of the People's Bank of China and the Municipal Development and Reform Commission are respectively responsible for the division of responsibilities; 2017 65438+completed before the end of February)

2. Strengthen privacy protection. Personal credit information shall not be collected without the authorization of laws and regulations. Intensify the investigation and punishment of acts such as leaking, tampering, damaging, selling or illegally providing personal information to others. Focus on monitoring financial institutions, credit reporting agencies, Internet companies, big data companies and mobile application development enterprises, and standardize the collection, provision and use of their personal information. (Tianjin Branch of the People's Bank of China, the Network Information Office of the Municipal Party Committee and the Municipal Market Supervision Committee are respectively responsible for the division of responsibilities; Move on)

3. Establish a credit repair mechanism. Implement the main responsibility of data submission, and carry out personal credit information correction, repair, objection handling and administrative reconsideration according to the principle of "whoever finds it will deal with it". If the administrative counterpart thinks that the credit information disclosed by the administrative organ is inaccurate, he may appeal to the municipal administrative organ that collected the credit information and provide relevant certification materials. In accordance with the relevant laws and regulations and the relevant requirements of the state on the publicity of credit information such as administrative license and administrative punishment, the time limit for displaying all kinds of public credit information is clarified, and the public credit information that exceeds the time limit is no longer displayed. Smooth credit repair channels, enrich credit repair methods, use education and training, strengthen guidance and other means to encourage untrustworthy individuals to reduce the loss of dishonesty through voluntary performance afterwards, application for extension and independent explanation. , through timely performance, voluntary service, charitable donations and other means to repair credit and reshape the image of integrity. (Municipal Development and Reform Commission, Tianjin Branch of the People's Bank of China and other relevant departments are responsible for the division of responsibilities; 2018 65438+completed before the end of February)

(4) Standardize and promote the use of personal credit information.

1. Promote the enjoyment of personal credit information. Formulate a unified personal credit information catalogue, classification standards and * * * sharing and exchange norms in the whole city, and all responsible departments will push the recorded personal credit information to the credit information sharing and exchange system according to the requirements of the catalogue. Relying on the credit information sharing and exchange system, the personal public credit information database is established to realize the electronic storage of personal public credit information. Improve the credit information sharing and exchange system and the national credit information sharing platform, and establish a cross-regional, cross-departmental and cross-industry interconnection and mutual inspection mechanism for personal credit information in our city. (Municipal Development and Reform Commission, Tianjin Branch of the People's Bank of China and other relevant departments are responsible for the division of responsibilities; 2018 65438+completed before the end of February)

2. Actively carry out personal credit service. Provide personal credit information authorization inquiry service to the society in a timely manner according to the law and regulations. Explore the construction of classified management and integrity points management mechanism based on personal credit information. Study and establish the relationship between personal public credit information and the basic database of financial credit information, and provide services for personal credit reporting institutions according to law. (The Municipal Development and Reform Commission and Tianjin Branch of the People's Bank of China are respectively responsible for the division of responsibilities; 2018 65438+completed before the end of February)

(5) Improve the incentive mechanism for personal trustworthiness and the disciplinary mechanism for dishonesty.

1. Provide more convenience for individuals with excellent credit. Establish excellent credit records for administrative counterparts, honest moral models, outstanding volunteers, honest members recommended by trade associations and chambers of commerce, and honest subjects excavated by news media who are recognized by relevant departments and social organizations as having good credit status. Give priority to the establishment of a "red list" of trustworthy young people with outstanding young volunteers as the main body. All districts and departments should innovate and keep credit incentives, give positive incentives to trustworthy individuals with excellent credit records in the fields of education services and management, employment and entrepreneurship services, social security services, financial leasing services, cultural life services, and excellent tree evaluation, and provide more convenient services. According to the power list and responsibility list, the administrative examination and approval department can take relevant convenience service measures for individuals with excellent credit records and administrative counterparts without bad credit records for more than three consecutive years in the process of handling administrative licenses. Encourage social institutions to use credit information products according to law, give preferential treatment and convenience to individuals with excellent credit records, and let trustworthy people gain more opportunities and benefits in the market. (The district people's governments, the Communist Youth League Committee, the Municipal Education Commission, the Municipal Development and Reform Commission, the Municipal Examination and Approval Office, the Civil Affairs Bureau, the Tianjin Branch of the People's Bank of China and other relevant departments are responsible for the division of responsibilities; 2018 65438+completed before the end of February)

2. Implement joint punishment for individuals who are seriously untrustworthy in key areas. Strengthen the identification, classification and classified supervision of personal dishonesty. Joint disciplinary measures shall be taken in accordance with the law and regulations for serious acts of dishonesty that seriously endanger people's health and life safety, seriously undermine fair market competition order and normal social order, refuse to perform legal obligations, seriously affect the credibility of judicial organs and administrative organs, and refuse to perform national defense obligations. Individuals who are seriously untrustworthy, such as malicious evasion of debts, illegal fund-raising, telecom fraud, online fraud, traffic violations, and failure to pay taxes in good faith according to law, are listed as key regulatory targets, relying on credit information to enjoy the exchange system, and taking administrative constraints and disciplinary measures according to laws and regulations. It is encouraged to push the records of serious dishonesty of individuals in market economy activities collected by personal credit reporting agencies to the credit information sharing and exchange system as a reference for implementing credit disciplinary measures. Promote the implementation of the "Implementation Opinions on Accelerating the Construction of Credit Supervision, Warning and Punishment Mechanism for People with Dishonesty", and carry out joint punishment for people with dishonesty based on the Tianjin joint supervision system. (Municipal Development and Reform Commission, Tianjin Branch of the People's Bank of China, Information Office of the Municipal Party Committee, Municipal Market Supervision Committee, Municipal Finance Bureau, Municipal Public Security Bureau, Municipal Local Taxation Bureau, Municipal High Court and other relevant departments are responsible according to the division of responsibilities; 2017 65438+completed before the end of February)

3. Promote the formation of market and social restraint and punishment mechanism. Establish and improve the information disclosure, exposure and reporting system of serious personal dishonesty. Relying on the portal websites of all districts and departments, the information of serious personal dishonesty held by all districts and departments will be disclosed to the public according to law, and pushed to the website of Credit Tianjin for centralized publicity in time. Encourage market players to take differentiated services for individuals who are seriously untrustworthy. Support credit reporting agencies to collect information about serious personal dishonesty and include it in credit records and credit reports.

Legal basis:

Article 1 General requirements of Guiding Opinions of General Office of the State Council on Strengthening the Construction of Personal Credit System.

We will fully implement the spirit of the 18th National Congress of the Communist Party of China and the Third, Fourth, Fifth and Sixth Plenary Sessions of the 18th Central Committee, thoroughly implement the spirit of General Secretary Xi Jinping's series of important speeches, follow the decision-making arrangements of the CPC Central Committee and the State Council, take cultivating and practicing socialist core values as the foundation, vigorously promote the culture of honesty, speed up the construction of personal integrity records, improve the mechanism of personal information security, privacy protection and credit repair, and improve the incentive and punishment mechanism of trustworthiness, so that those who keep promises will benefit and those who break promises will be limited, and integrity will become the trend of the whole society.