Recently, the general office of the State Council issued the implementation plan for strengthening the sharing and application of credit information and promoting the financing of small, medium-sized and micro enterprises (hereinafter referred to as the "plan"). The scheme proposes to expand the scope of information sharing. Further integrate public credit information such as market subject registration, administrative license, administrative punishment, judicial judgment and implementation, list of serious dishonest subjects, honor recognition and policy support; Gradually include tax payment, social insurance premium and housing provident fund payment, import and export, water and electricity, real estate, intellectual property rights, scientific and technological R & D and other information into the scope of sharing, so as to break the "data barrier" and "information island".

The plan requires that on the premise of effectively ensuring information security and the rights and interests of market subjects, strengthen the sharing and integration of credit information, deepen the application of big data, support innovation and optimization of financing mode, strengthen financial services for small, medium-sized and micro enterprises, continuously improve the loan coverage, availability and convenience of small, medium-sized and micro enterprises, and help the relief and development of small, medium-sized and micro enterprises.

The plan points out that we should strengthen the sharing and integration of credit information.

Improve the information sharing network. On the basis of making full use of the existing local credit information sharing platform, credit investigation platform, comprehensive financial service platform and other information systems, the provincial people's Government shall comprehensively establish or improve the local financing credit service platform, and encourage qualified cities and counties to establish relevant financing credit service platforms in combination with their actual conditions. Relying on the established national comprehensive financing credit service platform for small and medium-sized enterprises (hereinafter referred to as the national financing credit service platform), horizontally connect the national enterprise credit information publicity system and information systems in relevant industries, vertically connect with local financing credit service platforms at all levels, and build a national integrated financing credit service platform network, Connect with data sharing and exchange channels such as the national integrated government service platform.

Expand the scope of information sharing. Further integrate public credit information such as market subject registration, administrative license, administrative punishment, judicial judgment and execution, list of serious dishonest subjects, honor recognition and policy support, and continuously improve the accuracy, integrity and timeliness of data. Guided by the financing business needs of small, medium-sized and micro enterprises and individual industrial and commercial households, and on the premise of ensuring information security in accordance with laws and regulations, we will gradually include tax payment, social insurance premium and housing provident fund payment, import and export, water and electricity, real estate, intellectual property rights, scientific and technological R & D and other information into the scope of sharing, so as to break the "data barrier" and "information island". Enterprises are encouraged to supplement and improve their own information by means of "voluntary filling + credit commitment" and unblock information sharing channels.

Optimize the way of information sharing. Based on the actual work, flexibly share relevant information by means of physical collection, system interface call, data verification and so on. In principle, the information that has been centrally managed throughout the country is shared at the national level, and relevant national departments and units are responsible for sharing with the national financing and credit service platform. Before completing the "total to total" docking, local level sharing can be promoted according to actual needs; Other information is shared at the local level, which is collected and integrated by the local people's government and shared with the local financing credit service platform in an appropriate way. Make full use of the existing information sharing mechanisms and channels. For the information that has been shared, relevant departments and units are no longer required to provide it repeatedly. The national financing credit service platform shall, according to the work needs of relevant departments and units, share the collected credit information synchronously according to law and regulations, and strengthen the effective connection between information use and management. Establish relevant working mechanisms to support banks, insurance, guarantee, credit service institutions in need (hereinafter referred to as access institutions) to access the financing credit service platform.

Optimize credit information services. Financing credit service platforms at all levels provide basic information services to access institutions according to law and regulations in accordance with the principle of public welfare, and timely feed back the use of relevant information to the data provider. The legally disclosed information shall be integrated into a standardized credit information report for access institutions to query, and conditional financing credit service platforms are encouraged to push relevant information in batches according to regional, industry and other dimensions according to the needs of access institutions. For information involving trade secrets and other information that should not be disclosed, the original detailed data shall not be provided to the access institution without the authorization of the information subject. It is mainly used by the access institution through the joint modeling of the data provider and the financing credit service platform, or provide data query, verification and other services after the authorization of the information subject, so as to realize the "availability and invisibility" of the data. On the basis of effectively strengthening supervision, we will steadily introduce enterprise credit investigation institutions to participate in the construction and operation of the platform in accordance with laws and regulations.

The plan mentioned that we should deepen the development and utilization of credit information.

Improve the credit evaluation system. Financing credit service platforms at all levels should establish and improve the credit evaluation index system of small, medium-sized and micro enterprises, and carry out full coverage credit evaluation for small, medium-sized and micro enterprises for reference by banks and other access institutions. Encourage access institutions to make full use of internal and external information resources according to their own business characteristics and market positioning, improve credit evaluation models, and achieve accurate "portrait" of small, medium-sized and micro enterprises. Access institutions are encouraged to open and share relevant information to the financing credit service platform and relevant departments in accordance with laws and regulations.

Strengthen risk monitoring and disposal. Financing credit service platforms at all levels shall strengthen the dynamic monitoring of the credit status of enterprises receiving loans, analyze and judge potential risks, and timely push them to relevant institutions for reference. Relying on the financing and credit service platform, explore the establishment of "online Notarization", "online arbitration" mechanism and financial Internet court for loans to small, medium and micro enterprises, so as to deal with financial disputes efficiently. All relevant departments and units shall carry out joint punishment according to law and regulations for malicious evasion and abolition of debts and other acts recognized according to law.

The scheme is clear to protect the legitimate rights and interests of information subjects.

Standardize the use of information management. All data providing units shall clarify the attribute and scope of sharing and disclosure of relevant information in accordance with relevant laws and regulations and the requirements of the policy documents of the CPC Central Committee and the State Council. Financing and credit service platforms at all levels shall establish a system for hierarchical and classified management and use of information. The information subject has the right to query all its information on the financing credit service platform free of charge, and can file an objection appeal and apply for credit repair in accordance with relevant regulations. Information involving trade secrets or personal privacy shall not be provided without desensitization or explicit authorization of the information subject.

Strengthen information security. Financing and credit service platforms at all levels shall establish a complete information security management system, strengthen the technical guarantee of information security, evaluate the information security of access institutions, and improve the ability of information security risk monitoring, early warning and disposal. Access institutions shall strengthen internal information security management, strictly abide by relevant national regulations and information management requirements of financing credit service platform, and the information obtained shall not be used for activities other than providing financing support for enterprises. We will seriously investigate and deal with violations of laws and regulations such as illegal acquisition, dissemination, disclosure and sale of information.