Promote classification and management of Hebei to implement differentiated supervision of enterprises in four types of credit risk conditions

Hebei accelerates the management of corporate credit risk classification management

Implementation of differentiated supervision of enterprises in four types of credit risks

The "Administrative Measures for Credit Risk Classification (Trial)" of the Hebei Provincial Market Supervision and Administration Bureau has recently issued a new type of regulatory mechanism based on credit to improve the comprehensive effectiveness of regulatory supervision and better serve the high -quality economic and social development of the economy and society.

Corporate credit risk classification management is based on the collection of corporate credit information in accordance with the law, and comprehensively uses modern technological methods such as big data, machine learning, artificial intelligence, etc., classify the credit risk level of registered enterprises in accordance with the law, and according to the classification, and according to classification, according to the classification Results Scientifically allocated regulatory resources and implemented differentiated supervision activities.

Corporate credit risk classification management follows the principles of "scientific and reasonable, objective and fair, collaborative application, classification policy, service supervision, dynamic update" principle, combine the classification results with "dual random, one open" supervision, key supervision, etc. to improve the timely supervision of supervision Sex, accuracy, and effectiveness.

The management method proposes that according to the credit risk status from low to high, the corporate credit risk is divided into low credit risk (Class A), credit risk average (C type), high credit risk (Class C), high credit risk (Class D Class D) ) Four categories. The corporate credit risk status score is dynamically updated on a monthly basis. Relying on the informatization system, the market supervision authorities rely on the information system to gather and integrate, related analysis and data mining of various types of enterprise -related information, and set the corporate credit risk level according to the scoring to form the results of corporate credit risk classification.

"Double Random and One Open" supervision and implementation of the following credit risk differentiated regulatory measures: For enterprises with low credit risk (Class A), in addition to complaint reports, big data monitoring findings, transfer case clues, and laws and regulations , Can reasonably reduce the proportion and frequency of spot checks; enterprises with general credit risks (Class B) will carry out random checks in accordance with the conventional ratio and frequency; enterprises with high credit risk (Class C) appropriately increase the proportion and frequency of spot checks; for credit risk risks High (D) enterprises have greatly increased the proportion and frequency of random inspection in a targeted manner, and implemented full coverage of key inspection matters.

For the new industry and new formats and new models, the management measures are proposed that the new industry and new model enterprises with low credit risk (Class A) and credit risk (Class B), when exploring and implementing effective supervision, give a certain time of "observation observation to observe a certain amount of observation Expect". For new industries, new industries and new models and new models with high credit risk (Class C), trigger supervision is implemented under the premise of strictly observing the bottom line of security. For new industries, new industries, new formats and new models with high credit risk (Class D), strict supervision measures are taken targeted to prevent hidden dangers from evolving into regional and industrial prominent issues.

Market supervision departments at all levels shall rely on information systems such as the data center of the Hebei Provincial Market Supervision Bureau to actively explore the comprehensive use of corporate credit risk classification results, strengthen the research and analysis of the development and change of corporate credit risk, improve the predictability, pertinence and pertinence and targetedness of regulatory work. Effectiveness, from passive supervision to active supervision. (Reporter Ma Yanming)

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