秦丽萍 邹新

QinLiPing zou new

　　再过两年，梅州市每位城乡居民和每家企业将会有一份详细的信用信息，不仅可以为金融机构贷款服务，还可为各政府部门决策提供依据。而这是目前央行征信系统仅收录有贷款记录的个人和企业信息无法做到的，梅州市征信中心将填补央行征信系统无法覆盖到的空白。

And in two years,Meizhou city each urban and rural residents and every enterprise will have a detailed credit information,Can not only for financial institutions loan service,Can also be for the government departments to provide a basis for decision making.And this is the central bank reference system only included a loan records of individual and enterprise information can't do it,Meizhou reference center will fill the central bank reference system cannot cover the blank.

　　与央行征信系统齐头并进 And the central bank reference system neck and neck

　　2009年，梅州部分下辖县挨家挨户采集农户信息，进而评定信用村和信用户，作为给农户贷款的基本依据，由此推动了农村信用环境和民风改善，成为梅州市征信中心建立的一个诱因。

In 2009,,Meizhou part has county farmers from house to house collecting information,And then assess the credit village and believe the user,As the basic foundation of loans to farmers,Then promote the rural credit environment and folkway improve,Become meizhou reference center established an incentive.

　　2011年，梅州市征信中心挂牌成立，是梅州市政府的下属单位，致力于农户、城镇居民和中小微企业信用信息系统建设，目前这三方面的数据库系统建设已基本完成，并进入测试阶段，已有数据陆续录入。

In 2011,,Meizhou reference center was founded on August,Which is the municipal government subordinate units,To farmers/Town and small and medium-sized micro enterprise credit information system construction,The three aspects of the database system has been completed,And into the test stage,Existing data were recorded.

　　截至2012年12月中旬，梅州市已采集农户信息40万户，预计至今年春节前可完成60万户的采集任务，占全市农户数的65%。“接下来是采集全市1.1万家中小微企业的信用档案和城镇居民的信用档案。”中国人民银行梅州市中心支行调查统计科江锋对《第一财经日报》说。江锋现在是梅州市征信中心的负责人之一，由于经费问题，梅州市征信中心的工作人员都是从央行梅州市中心支行借调的，所以职位都还是挂在人行。

By the middle of December 2012,Meizhou city has 400000 households information acquisition farmers,Before the Spring Festival this year is expected to 600000 households can complete the acquisition task,Accounts for 65% of the number of the farmers."The next is collecting the 1.1 of small and medium-sized micro enterprise credit files and urban credit files."The people's bank of China branch in downtown survey statistics department of JiangFeng[The first financial daily]said.JiangFeng now which is the reference one of the leaders of the center,Because of budget problems,Meizhou reference center staff from the central bank of meizhou city branch on loan,So the position is still hanging in the pedestrian.

　　可以说，梅州市征信中心的建立，将使得央行征信系统和梅州市征信系统两个系统在梅州齐头并进。

Can say,The establishment of meizhou reference center,Will make the central bank credit system and credit reporting system of meizhou two system in meizhou neck and neck.

　　“梅州市征信中心的农户、企业、城镇居民的信息系统并不与央行征信系统合并，尽量做到不冲突。当辖区内的金融机构或政府部门需要数据的时候，可将央行的数据与梅州市征信中心的数据相互结合，就可以得到一个最为全面的信用报告。”江锋说。

"Meizhou reference center of farmers/enterprise/Urban residents' information system with the central bank does not credit reporting system merger,As far as possible do not conflict.When within the jurisdiction of financial institutions or government departments need data,But will the central bank's data and meizhou reference center data combination,You can get a the most comprehensive credit report."JiangFeng said.

　　当前，梅州市农户信息采集的进度较为顺利，但对于中小微企业和城镇居民的信息采集，如何将工商、税务等各个政府部门的信息进行整合和共享，是一项复杂的技术性工程，目前梅州市还未有成熟的方案，仍在探讨中。

The current,Meizhou city farmers information collection progress more smoothly,But for small and medium-sized micro enterprises and urban residents' information acquisition,How to commerce will/Tax, and other government departments of information integration and sharing,Is a complicated technical engineering,At present of meizhou haven't mature scheme,Is still in the discussion.

　　金融服务和社会管理并举 Financial services and social management simultaneously

　　梅州市征信中心未来的作用不限于向金融机构提供信贷方面的服务，站在政府的角度来说，更重要的作用或在于其社会管理功能。

Meizhou reference center future action not limited to financial institutions to provide credit services,Standing in the point of view,The more important role in the social management functions or.

　　梅州市征信中心工作人员向本报展示了已经建设好并投入实际运行的农户诚信系统。点开该系统，可任意选取梅州市下辖任一行政村，即详细罗列了该村委会对村内农户的诚信信息评级结果，比如村民杨某，信用评分等级A+，建议授信5万元。而再点击杨某，可看到该农户十分详细的信息，如是否参与农村医保、有无技能特长、有无信贷需求、家庭主要劳动力成员基本信息、家庭总计贷款余额、固定资产、家庭年纯收入、种养殖品种、家庭稳定情况，还收录有无公安机关、金融机构、供水供电、计生部门的负面记录等内容。

Meizhou reference center staff to our shows have been build and put into practical operation of the peasant household credit system.Point open the system,Can be arbitrary selection of meizhou has any administrative villages,That is detailed list of the village committee to the village farmers' credit information rating results,Such as the villagers Yang,Credit rating of A +,Suggest credit 50000 yuan.And then click Yang,Can see the farmers very detailed information,Such as whether to participate in rural health care/Have special skills/Without credit demand/Family members of the main labor basic information/Family total outstanding balance of the loans/Fixed assets/In net income family/ZhongYangShi varieties/Family stability of,Also included is the public security organ/Financial institutions/Water supply/Family planning branch of the negative record, etc.

　　诸多项目中，家庭稳定情况、家庭成员法纪观念、孝顺情况、邻里关系、村委会对其评价、负面记录（存在金融机构、公安机关、供水供电、计生部门）和存在黄赌毒等不良习惯，这些项目被列示为“社会管理功能”，可为有关政府部门了解村民所用。

Many projects,Family stability of/Family members of the concept of law and discipline/Filial piety situation/Neighborhood relationship/The village committee to its evaluation/Negative record(Existence financial institutions/Public security organs/Water supply/Family planning branch)And there HuangDuDu and other bad habits,The project is listed as"Social management function",For the relevant government departments to understand the villagers.

　　而刚建设好的中小微企业诚信信息服务系统中，除了企业基本信息之外，还将录入奖励、行政处罚、专利、欠税、法院、商标注册、动产抵押物登记、国土房产和贷款偿还等多项信息。而这些数据，将由对应的工商、法院、国税、质监、银监、交委、国土房管、建委等共20多个部门进行接口导入，并对不同部门设置不同查阅权限。

And just construction good small and medium-sized micro enterprise credit information service system,In addition to the basic information about the enterprise outside,Will also recorded reward/Administrative punishment/patent/tax/The court/Trademark registration/Chattel mortgage registration/Land property and loan repayment information, etc.And these data,The corresponding industry and commerce/The court/duty/Qualitative inspect/Silver prison/SEC/Land the/Is built appoint wait for a total of more than twenty departments in interface,And the different departments set up different access permissions.

　　不过，多位人士对本报说，基于一些利益上的考虑，要让各个政府部门将企业和个人信息共享到该征信中心还有相当大难度，而对于尚未实现数据电子化的部门来说更为困难。目前梅州市征信中心的数据主要依靠比较成熟的政府部门数据库，比如工商、税务、环保以及水电部门。

but,Many people said to this newspaper,Based on the consideration of some interests,Let all government departments will be enterprise and individual information sharing to the reference center is still a big difficulty,For not realize data electronic department is more difficult.At present of meizhou reference center data relies mainly on the more mature government database,Such as commerce/tax/Environmental protection and water and electricity department.

　　对于梅州市征信中心的信息系统来说，最大的障碍在于央行暂不允许将金融机构的信息纳入其中。“如果以后能够与央行征信系统合并的话，将大大有利于当地机构和个人。”江锋说。

In meizhou city reference center for information system,The biggest obstacle is the central bank temporary is not allowed to be included in the financial institutions of information."If later can and central bank reference system combined words,It is a great help in local organizations and individuals."JiangFeng said.

　　但若能录入较为详细的信息，未来该数据库确可承载部分社会管理功能。“比如在招聘、评优评先、让陌生的交易对手相互了解对方等方面都有积极意义。各政府部门在不同权限下也可去更好地了解企业和个人。”梅州市金融局有关人士说。

But if you can input more detailed information,The future that the database can be bearing part of the social management function."For instance in the recruitment of/PingXian assessment/Let the strange counterparty mutual understanding each other, etc are positive.All government departments in different jurisdictions can also be to better understand the enterprise and individual."Meizhou city financial bureau officials said.

　　（相关报道见本报1月11日A13《农村金改的“梅州特色”：一块“信用村”牌匾填补金融空白》）

(See our reports on January 11 A13[Rural gold change"Meizhou characteristics":A piece of"Credit village"Plaque fill financial blank])