本文選題：統(tǒng)一征信 + 信用評價(jià)��； 參考：《天津師范大學(xué)》2013年碩士論文

【摘要】：隨著市場經(jīng)濟(jì)的飛速發(fā)展,我國已經(jīng)進(jìn)入到了信用經(jīng)濟(jì)時(shí)代,作為市場經(jīng)濟(jì)體制的重要步驟安排,社會信用體系的完善已經(jīng)刻不容緩,自黨的十六大以來,中央已經(jīng)多次明確了我國在社會主義信用體系建設(shè)上的目標(biāo)和方向。其中,黨中央在十一五規(guī)劃期間就已經(jīng)明確提出,要完善我國的稅收、信貸、合同、質(zhì)量等全面的信用記錄,并以此為重點(diǎn),促進(jìn)社會信用體系建設(shè)又好又快的發(fā)展。同時(shí),中央在2012年召開的全國金融系統(tǒng)工作會議上進(jìn)一步提出,要以信貸征信體系為建設(shè)的重點(diǎn),逐步推進(jìn)社會信用體系建設(shè)的全面深入,建立健全適合我國社會經(jīng)濟(jì)發(fā)展水平的社會信用體系基礎(chǔ)框架,并完善運(yùn)行流程和機(jī)制。建立和完善社會信用評價(jià)機(jī)制,既是健全我國社會主義市場經(jīng)濟(jì)體系的重要要求,也是整頓和規(guī)范伴生在目前市場經(jīng)濟(jì)發(fā)展中存在的各種社會亂象的治本關(guān)鍵。完善的社會信用評價(jià)體系,加大失信行為的懲罰力度,加大失信成本,將使屢禁不止的偷稅漏稅、逃廢債務(wù)、制假販假、商業(yè)欺詐、非法集資等活動得到有效的遏制。建立健全完善的社會評價(jià)機(jī)制,同時(shí)也必將有利于促進(jìn)我國市場經(jīng)濟(jì)的繁榮和穩(wěn)定,保護(hù)人民群眾的合法利益,建立穩(wěn)定的金融秩序,提升社會公民的責(zé)任感和道德水平,同時(shí)推進(jìn)各級行政管理部門更好的履行公共管理職能,具有重要的現(xiàn)實(shí)意義。 近幾年來,在一些地區(qū)和一些部門內(nèi)部,關(guān)于建立統(tǒng)一的征信管理體系已經(jīng)開展了多種形式的試點(diǎn)工作。通過借鑒國外先進(jìn)的統(tǒng)一征信管理經(jīng)驗(yàn),逐步打破原有的條塊化管理信用管理模式,收到了較好的社會效果,但是,總體還存在著許多亟待解決的問題,在新形勢下,統(tǒng)一社會信用體系建設(shè)必須統(tǒng)一思想,信心堅(jiān)定地大踏步向前邁進(jìn)。在試點(diǎn)過程中,武漢市的統(tǒng)一征信管理工作已經(jīng)走在了前列,如何在武漢市實(shí)現(xiàn)征信管理的科學(xué)有效發(fā)展,將征信管理的結(jié)果用于實(shí)處,產(chǎn)生實(shí)效是現(xiàn)階段的重點(diǎn)和難點(diǎn),本文從武漢市征信管理的歷史沿革和發(fā)展角度闡述了實(shí)現(xiàn)統(tǒng)一征信的必要性,然后對征信管理的基本涵義、特征與原理,結(jié)合實(shí)際中介歸納了武漢市在建立統(tǒng)一征信管理過程中存在的問題,同時(shí)借鑒國內(nèi)外的經(jīng)驗(yàn),在深入研究的基礎(chǔ)上,提出改進(jìn)對策和保障統(tǒng)一征信體系建立和持續(xù)發(fā)展的一系列措施。
[Abstract]:With the rapid development of market economy, our country has entered the era of credit economy. As an important step of the market economy system, the perfection of social credit system has become urgent, since the 16th National Congress of the Party. The central government has defined the goal and direction of our country's socialist credit system construction many times. During the 11th Five-Year Plan, the Party Central Committee has clearly proposed that we should improve our country's comprehensive credit records, such as taxation, credit, contract, quality and so on, and take this as the focus to promote the construction of social credit system to develop well and quickly. At the same time, at the national financial system work conference held in 2012, the central authorities further proposed that the credit information system should be taken as the focus of the construction, and the overall depth of the construction of the social credit system should be gradually promoted. To establish and perfect the basic framework of social credit system suitable for the level of social and economic development of our country, and to perfect the operation process and mechanism. The establishment and perfection of social credit evaluation mechanism is not only the important requirement of perfecting our socialist market economy system, but also the key of rectifying and standardizing all kinds of social disorder existing in the development of market economy at present. The perfect social credit evaluation system, increasing the punishment of the breach of trust and increasing the cost of the breach of trust will effectively curb the repeated prohibition of tax evasion, avoidance of debts, counterfeiting, commercial fraud, illegal fund-raising and so on. The establishment of a sound social evaluation mechanism will at the same time be conducive to promoting the prosperity and stability of our market economy, protecting the legitimate interests of the masses of the people, establishing a stable financial order, and enhancing the sense of responsibility and moral level of social citizens. At the same time, it is of great practical significance to promote the administrative departments at all levels to better perform the functions of public administration. In recent years, in some regions and some departments, the establishment of a unified credit management system has carried out a variety of pilot work. By drawing lessons from the advanced experience of unified credit management in foreign countries, we have gradually broken the old pattern of credit management, which has received better social results. However, there are still many problems to be solved in the whole, so in the new situation, The unified social credit system construction must unify the thought, the confidence unswervingly stride forward. In the process of pilot, the unified credit management in Wuhan has been in the forefront. How to realize the scientific and effective development of credit management in Wuhan, how to apply the results of credit management to practice, and how to produce actual results is the key and difficult point at the present stage. This paper expounds the necessity of realizing unified credit reporting from the perspective of the historical evolution and development of credit information management in Wuhan, and then discusses the basic meaning, characteristics and principles of credit reporting management. Combined with the actual intermediary, this paper sums up the problems existing in the process of establishing unified credit management in Wuhan, and at the same time, draws lessons from domestic and foreign experience, and on the basis of in-depth research, The paper puts forward a series of measures to improve and guarantee the establishment and sustainable development of the unified credit system.
【學(xué)位授予單位】：天津師范大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.4

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