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GB/T 46278-2025: Indicators for individual business credit evaluation
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Indicators for individual business credit evaluation
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Standard similar to GB/T 46278-2025 GB/T 45442 | GB/T 41429 | GB/T 41414 | GB/T 46277 | GB/T 46276 | Basic data | Standard ID | GB/T 46278-2025 (GB/T46278-2025) | | Description (Translated English) | Indicators for individual business credit evaluation | | Sector / Industry | National Standard (Recommended) | | Classification of Chinese Standard | A20 | | Classification of International Standard | 03.080.99 | | Word Count Estimation | 14,147 | | Date of Issue | 2025-08-29 | | Date of Implementation | 2025-12-01 | | Issuing agency(ies) | State Administration for Market Regulation, National Standardization Administration | GB/T 46278-2025: Indicators for individual business credit evaluation---This is an excerpt. Full copy of true-PDF in English version (including equations, symbols, images, flow-chart, tables, and figures etc.), auto-downloaded/delivered in 9 seconds, can be purchased online: https://www.ChineseStandard.net/PDF.aspx/GBT46278-2025
ICS 03.080.99
CCSA20
National Standard of the People's Republic of China
Credit evaluation indicators for individual industrial and commercial households
Released on August 29, 2025
Implementation on December 1, 2025
State Administration for Market Regulation
The National Standardization Administration issued
Table of Contents
Preface III
Introduction IV
1 Scope 1
2 Normative references 1
3 Terms and Definitions 1
4 Basic Requirements 1
4.1 Scientificity 1
4.2 Rationality 1
4.3 Applicability 1
4.4 Security 1
5 Indicator Content 2
5.1 Overview 2
5.2 Basic indicators 2
5.3 Special Indicators 2
6 Indicator Settings 2
Appendix A (Normative) Basic Indicators for Credit Evaluation of Individual Business Owners 3
References 7
Preface
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
The contents of the following documents constitute the essential clauses of this document through normative references in this document.
For referenced documents without a date, only the version corresponding to that date applies to this document; for referenced documents without a date, the latest version (including all amendments) applies to
This document.
GB/T 22117 Basic Terms of Credit
GB/T 37914 Credit Information Classification and Coding Specification
GB/T 39441 Public Credit Information Classification and Coding Specification
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.
3.1
individual business
A natural person who is registered in accordance with the law and engages in industrial and commercial operations.
3.2
A comprehensive assessment of the willingness, ability, and behavior of individual business owners (3.1) in fulfilling their legal obligations, contractual obligations, and voluntary commitments.
4 Basic Requirements
4.1 Scientificity
The credit evaluation index of individual business owners should include the main factors affecting the credit value and credit risk of individual business owners, and be able to reflect
Credit status of individual business owners.
4.2 Reasonableness
The credit evaluation indicators of individual industrial and commercial households should be organically related, with clear logic, and avoid duplication and contradiction.
4.3 Applicability
The various credit evaluation indicators for individual industrial and commercial households should be easy to understand, collect and use.
4.4 Security
Necessary measures should be taken to ensure that the collection, use and release of data in the credit evaluation indicators of individual businesses are under effective protection and legitimate interests.
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