Establishment and query of credit information database

Credit information database establishment and query

1. Significance of credit information database

The credit information database can compress the survival and development space of dishonesty and lawbreakers, promote social integrity, and have far-reaching significance for improving the party's ability to govern. The integrity and ease of query of the credit information database determine the effectiveness of the social credit system.

The integrity of credit information means that the credit information is collected, sorted, and stored relatively completely, without missing any credit information. For example, the penalty decision made by an administrative agency must be fully preserved. of.

The ease of inquiry of credit information means that credit information can be and is relatively easy to inquire. When a person needs a certain credit information, he can and is relatively easy to inquire about it.

Second, the national credit information database has been established

Now, we have established a national credit information database, and at the same time, we have established more than 100,000 credit websites in units of counties. Credit information release management system, all administrative agencies, judicial departments, and news media in the country can receive login passwords for free, and then enter the credit information management system to release and manage their administrative processing, punishment decisions, judgments, and media public reports, etc.< /font>. At the same time, we have been collecting public reports from various media and public punishment and commendation information from state agencies, and included them in the credit information database.

Third, the classification of credit information database

The credit information database is divided into public credit information and internal credit information according to the source of information and whether it is open to the whole society.

Public credit information mainly includes: punishment information of administrative agencies, court judgment information, public reports of the media, information released by social groups according to law or according to their self-regulatory standards, and various types of information released by people according to credit supervision standards. Among them, all kinds of information released by people according to credit supervision standards refer to people’s All kinds of information agreed to be released, for example: the parties agree in the contract: the content of the general CS clause is: this contract is signed and executed in accordance with the principle of good faith, if one party breaks promises or breaches the contract, the other party has the right to register on the International Credit Supervision Network (www.ice8000.org) to make public complaints, and also have the right to report the facts of the other party’s dishonesty or breach of contract on the blacklist column of the International Credit Supervision Network (www.ice8000.org) with valid documents issued by courts, arbitration institutions or other state agencies. Public exposure. In the future, if Party A is dishonest and breaches the contract, Party B can make a public complaint against it, and such complaint information belongs to this type of information.

Punishment information of administrative agencies and judgment information of courts are important components of public credit information. This part of information should belong to social public information in terms of national attributes. The government and courts are obliged to disclose to the public and ensure its integrity and Easy to query, but most of this kind of information has not been sorted out, let alone easy to query. Judging from the experience of Western developed countries, this type of information has achieved completeness and queryability. Now, we have established a credit information database, and set up a credit information release management system for all administrative departments and courts across the country. Various government departments and courts can release credit information very conveniently.

Internal credit information includes two categories, one is all kinds of complaint information that does not meet the disclosure conditions, such as various complaint information without CS clauses and controversial public complaint information with insufficient evidence; All kinds of information released by various credit institutions) or integrity units (all kinds of organizations that have passed the assessment of the ICE8000 international credit standard system) are for internal reference only. Internal credit information is only open to inquiries from credit institutions, and some are open to inquiries from integrity units.

In order to make it easier for people to query credit information, we have divided the database into several sub-databases: such as blacklist information, honor list information, public complaint information, exclusive information, and debtor information.

Fourth, credit information inquiry

As for the public information base, the nature of this type of information is taken into account, and the query of the public information base is of course free of charge.

Regarding the internal information database, it is noted that the use and analysis of internal credit information requires certain professional knowledge, so the internal information database is not directly open to public inquiries, and people can obtain it through credit institutions for a fee.

Welcome to reprint, please indicate the source of the reprint World Credit Organization [WCO]