GB/T 46278-2025Indicators for individual business credit evaluation (English PDF)

Foreword

This document is in accordance with the provisions of GB/T 1.1-2020 "Guidelines for standardization work Part 1: Structure and drafting rules for standardization documents" Drafting is required.

Please note that some of the contents of this document may involve patents. The issuing organization of this document does not assume the responsibility for identifying patents.

This document was proposed and coordinated by the National Social Credit Standardization Technical Committee (SAC/TC470).

This document was drafted by: China National Institute of Standardization, State Administration for Market Regulation, National Public Credit and Geospatial Information Center, Inner Mongolia Autonomous Region Market Supervision Administration, Shenzhen Bao'an District Credit Promotion Association, China Cybersecurity Review and Certification and Market Supervision Big Data Center Center, Shenzhen Municipal Market Supervision Administration Guangming Supervision Bureau, Hubei Provincial Standardization and Quality Research Institute, Jiangsu Provincial Quality and Standardization Research Institute, China Jiliang University, Rizhao Bank Co., Ltd., China Article Numbering Center, Hangzhou Development and Reform Commission, Hangzhou Economic Information Center (Hangzhou Credit Center), Inner Mongolia Autonomous Region Product Quality Inspection Institute, Shandong Shangcheng Intellectual Property Service Co., Ltd., China University of Mining and Technology University of Science and Technology (Beijing), Jinan University, Xiangtan University, China Institute of Metrology, Sichuan Jijiang Group Co., Ltd., Chongqing Comprehensive Economic Research Institute, Shenyang Development and Reform Commission, China Aerospace Science and Industry Corporation, CASIC Network Information Development Co., Ltd., Hangzhou Shulan Technology Technology Co., Ltd., Wuhan Shuyi Intelligent Technology Co., Ltd.

The main drafters of this document are: Zhao Yan, Lei Guangcheng, Zhou Li, Huang Shaobin, Gao Xiaohong, Wang Peng, Li Wenjing, Yuan Ruifeng, Chen Yanming, Zhu Lihong, Guo Yan, Cao Wei, Wang Yinxu, Jiang Zhou, Yang Yuexiang, Jiang Ningjing, Sun Huiming, Chen Shenglan, Li Xianghua, Bo Wei, Zhu Yikun, Wen Shengjun, Meng Cuizhu, Wang Chao, Ye Zhi, Chen Zenan, Yang Baofeng, Zhang Chuanbin, Xiao Weizhi, Huang Rong, Wang Xinhao, Lou Tao, Ye Ruyi, Long Feijin, Zhang Feng, Wang Ning, Sun Yongquan, Bai Yanan, Wang Qinyan, Zhang Lu, Jiang Dudu, Jia Yue, Bai Xiaoyu, Li Xuemei, Zhang Yalei, Shao Yuanxun, Shen Yonghong, Du Xiaotian, Miao Xiaofeng, Zhao Donghui, Liu Yong, Zou Zhenjun.

Introduction

Individual economy is the most active factor in the private economy. Individual industrial and commercial households have become an important factor in improving people's livelihood, promoting employment and enhancing economic resilience.

With the encouragement, support and guidance of the state, and the joint efforts of various departments and localities, many policies have been implemented to continuously improve the business environment.

Good, individual industrial and commercial households are developing and growing as a whole. Credit is closely related to the development of individual industrial and commercial households. Establishing credit evaluation indicators for individual industrial and commercial households is beneficial.

To achieve targeted support for individual industrial and commercial households.

In order to alleviate the financing difficulties of individual industrial and commercial households, and at the same time provide a basis for carrying out flexible supervision, inclusive and prudent supervision, and helping enterprises to alleviate difficulties, the market The Credit Supervision Department of the State Administration of Market Regulation conducted research and analysis on the credit evaluation, implementation and management of graded and classified supervision of individual industrial and commercial households nationwide, as well as the Based on the experience of the pilot program to improve the quality of credit supervision data of industrial and commercial households, relevant units are organized to compile this document, which aims to standardize the development of individual industrial and commercial credit supervision data.

Provide standardized support for customer credit evaluation, in-depth expansion of credit scenarios, and development of inclusive finance, and promote financial service entities with a solid credit foundation economy.

Credit evaluation indicators for individual industrial and commercial households

1 Scope

This document stipulates the basic requirements for establishing the credit evaluation index of individual industrial and commercial households, the content of the credit evaluation index of individual industrial and commercial households, and the indicators set up.

This document is applicable to the credit evaluation activities of individual industrial and commercial households, and can also be used as a reference for other related evaluation activities.

2 Normative references

GB/T 22117

GB/T 37914

GB/T 39441

3 Terms and Definitions

The terms and definitions defined in GB/T 22117, GB/T 37914 and GB/T 39441 and the following apply to this document.

4 Basic Requirements