新华社上海８月４日电（记者张良、陆文军、陈刚）由苏、浙、沪、皖等三省一市合力打造的“信用长三角”体系，有望成为长三角推进一体化发展进程中的一张“金名片”。记者４日从于南京召开的“信用长三角”第三届高层研讨会上获悉，作为我国经济最为活跃的地区，长三角目前正通过强化区域信用联动奖惩机制、大力培育信用服务机构以及加快信用示范试点建设等措施积极推动长三角信用一体化向“深水区”挺进。

    Shanghai, aug. 4（Reporter ZhangLiang、LiuWenJun、Chen just just）By Sue、zhejiang、Shanghai、Anhui province city three a resultant force made“Credit long triangle”system，Is expected to become long triangle promote integration in the process of developing a“Gold business card”。The reporter from 4, held in nanjing“Credit long triangle”The third international conference on top we have learned，As our country economy of the most active areas，Long triangle is now through the strengthening regional credit linkage mechanism of rewards and punishments、Hard to cultivate the credit services and speed up the credit demonstration pilot construction actively promote long triangle measures such as credit to integration“Deep water area”into。

    加强区域信用联动奖惩机制 Strengthening regional credit linkage mechanism of rewards and punishments

    信用是现代市场经济的基石，是优化资源配置的有效手段。社会信用体系不健全，往往会导致守信受损、失信受益。据有关方面测算，我国企业每年因信用缺失导致的直接和间接经济损失高达６０００亿元。

    Credit is the cornerstone of modern market economy，Is the effective means to optimize the allocation of resources。The social credit system is not sound，Often leads to credit damage、Faithless benefit。According to the measure，Our country enterprise every year because of lack of credit to direct and indirect economic loss is as high as 600 billion yuan。

    “守信激励和失信惩戒是社会信用体系运行机制中的核心机制。”国家发改委副主任连维良指出，当前长三角地区正处于转型升级的关键时期。应不断深化区域信用合作，继续协同加强区域信用监管，建立健全区域性守信激励和失信约束机制。

    “And trustworthy incentive methods and measures of social credit system operation mechanism is the core mechanism。”The national development and reform commission, deputy director of the good points out that even the d，The Yangtze river delta region is in the key period of transformation and upgrade。Should constantly deepen regional credit cooperation，Continue to strengthen regional credit cooperative supervision，Set up and perfect the regional and trustworthy incentive and restraint mechanism breaks。

    上海市委常委、副市长艾宝俊表示，信用体系建设是诚信价值取向的重要内容，是创新驱动、转型发展的重要保障。总体来说，一是要强化信用联动奖惩机制，建立信用信息查询与信用产品使用制度；二是要建立信用信息共享、披露制度，为信用信息查询与信用产品使用创造条件；三是要建立征信管理制度，支撑并规范征信活动，包括市场准入退出，信用信息的采集、加工、存储，信用产品提供，异议与投诉处理等；四是要建立完善的记录制度，为每个主体建立信用档案。

    The Shanghai municipal party committee of、Vice mayor YiBaoJun said，Credit system construction is the important content of the good faith value orientation，Is driven innovations、An important guarantee of the development of the transition。overall，One is to strengthen the credit linkage mechanism of rewards and punishments，Establish the credit information query and credit products use system；2 it is to establish the credit information sharing、Disclosure system，For credit information query and credit product use create conditions；Three is to establish the credit management system，Support and regulate credit reporting activities，Including market access exit，Credit information collection、processing、storage，Credit products provide，Dissent with dealing with complaints, etc；4 it is to set up a perfect record system，For each subject build credit files。

    积极培育有影响力的信用服务机构 Actively cultivate the influential credit service agencies

    长三角是我国经济社会发展水平较高的区域，经济社会一体化发展趋势日益明显。以安徽为例，５０％以上的外来投资来源于沪苏浙，５０％以上的外出务工人员在沪苏浙。因此，加强信用长三角建设，不仅可以降低交易成本，改善经济社会发展环境，更好地吸引各类生产要素集聚，而且有利于进一步深化合作，提升长三角的整体竞争力。

    Yangtze river delta is China's economic and social development level higher area，Integration of economy and society development trend is more and more obvious。In anhui province as an example，More than 50% of the foreign investment from Shanghai su zhejiang，More than 50% of the migrant workers su zhejiang in Shanghai。so，Strengthen credit long triangle construction，Not only can reduce transaction costs，Improve the economic social development environment，Better to attract all kinds of factors of production concentration，And to further deepen cooperation，Improve the overall competitiveness of Yangtze river delta。

    然而，一大短板同样明显，那就是长三角的信用服务机构与国外相比规模不大，信用服务产业有待做大做强，原有联合征信模式需要调整创新。截至２０１１年底，上海备案信用服务机构共达７２家，年营业收入７．２８亿元，年均增长２０％以上。来自江苏的信息显示，目前江苏全省备案的征信和信用评级机构达３５家，信用信息和信用产品使用量正逐步增加。

    however，A short board also obvious，That is long triangle credit service agencies and foreign compared with scale is not large，Credit services industry needs to be bigger and stronger，The original joint credit reporting mode needs to adjust the innovation。By the end of 2011，Shanghai credit service record total of 72，Annual revenue of 728 million yuan，The average annual growth of 20% or more。From jiangsu information display，At present the province of jiangsu record credit and credit rating agencies to 35 home，The credit information and credit product usage is increasing。

    浙江省副省长陈加元表示，浙江将坚持“政府推动、市场运作”的发展模式，大力培育和发展信用服务市场。通过发展信用产品、培育和引进信用服务机构，发展壮大信用服务行业，满足商品市场、信贷市场、货币市场、资本市场等的信用需求。

    Zhejiang province deputy governor ChenJiaYuan said，Zhejiang will insist on“The government to promote、Market operation”Model of development，To cultivate and develop the credit service market。Through the development of the credit products、Cultivate and introducing credit service agencies，Development and growth of credit service industries，Meet commodity market、Credit market、Money market、Capital market credit demand。

    “到２０１５年，上海的信用服务产业营业收入年均增长率达到２０％以上，在国内具有较高市场认同度、较大影响力的企业信用服务机构达到５－８家，个人信用服务机构新增１－２家。”艾宝俊说道。

    “By 2015，Shanghai credit service industry operating income annual growth rate above 20%，In the country with a higher market identities、The influence of the larger enterprise credit service agencies to achieve 5-8 home，Personal credit service agencies new 1-2 home。”YiBaoJun said。

    通过示范试点推进社会信用体系建设 Through the demonstration pilot promote social credit system construction

    根据《长江三角洲地区区域规划》，２０１０年１１月，三省一市联合发布国内首个区域性信用体系专项规划——《长三角区域社会信用体系合作与发展规划纲要（２０１０－２０２０）》。在各方共同努力下，目前长三角区域在信用制度趋同、信用信息共享、备案机构互认、信用环境营造等方面合作不断深化，已成为国内区域信用体系建设起步早、融合好、水平高的先行示范区。

    According to《The Yangtze river delta regional planning》，November 2010，Three provinces and one city have jointly issued the first domestic regional credit system special planning--《Long triangle area social credit system cooperation and development plan outline（2010-2020）》。In the joint efforts of all parties，Currently long triangle area in credit system convergence、Credit information、The record-keeping administration recognition、Credit environment of the deepening cooperation, etc，Has become the regional credit system construction started early、Fusion good、High level of the first demonstration area。

    据悉，以实施温州金融综合改革和丽水农村金融改革试点为契机，浙江省建立健全小微企业和农村信用体系，为小微企业发展和区域经济建设提供信用保障；江苏省选取睢宁县、江阴市、兴化市和南京市六合区等县（市、区），积极开展社会信用体系建设县级试点工作；安徽省积极开展信用评级工程试点，引入第三方信用评级机构，累计为２０００多家企业出具信用报告，并在重点领域推广使用评级报告；上海则通过强化重点领域信用体系建设，在１２个重点领域中选择建设市场使用信用产品、公务员职业信用建设等１３个试点专项，推动全市的信用体系建设。

    It is reported，To implement comprehensive reform and wenzhou financial lishui rural financial reform pilot as an opportunity，Zhejiang province to establish and perfect the micro enterprise and small rural credit system，For small micro enterprise development and the region economic development to provide credit guarantee；Jiangsu province suining selection、jiangyin、XingHuaShi and nanjing liuhe area county（city、area），Actively developing social credit system construction pilot work at the county level；Anhui province actively carry out credit rating program，The third party credit rating agencies，Accumulated more than 2000 companies issue credit reports，In key areas and promote the use of the credit rating report；Shanghai is the key fields by strengthening the construction of credit system，In the 12 key areas the choice in the construction market use credit products、Civil servants professional credit construction, 13 pilot special，Promote the city of credit system construction。

    连维良认为，加快信用示范试点建设是有效推进社会信用体系建设的重要措施，应选择社会广泛关注、信用缺失问题突出的行业推进示范试点。要利用城市覆盖面广、涉及面宽的优势，开展社会信用城市建设示范试点。还要开展一些区域合作的示范试点，如长三角地区信用合作试点。

    Even d good think，To speed up the credit demonstration pilot construction is effectively promote the social credit system construction of the important measures，Should choose the social attention、Credit deficiency in the industry problems of demonstration pilot。To use the city of coverage、Wide range of advantages，To develop social credit urban construction demonstration pilot。And to develop some regional cooperation pilot demonstration，Such as long triangle credit cooperation pilot。