Beijing to register 'credit scores' for all citizens by 2020

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China’s plan to judge each of its 1.3 billion people based on their social behavior is moving a step closer to reality, with Beijing set to adopt a lifelong points program by 2021 that assigns personalized ratings for each resident.

The capital city will pool data from several departments to reward and punish some 22 million citizens based on their actions and reputations by the end of 2020, according to a plan posted on the Beijing municipal government’s website on Monday. Those with better so-called social credit will get “green channel” benefits while those who violate laws will find life more difficult.

The Beijing project will improve blacklist systems so that those deemed untrustworthy will be “unable to move even a single step,” according to the government’s plan. Xinhua reported on the proposal Tuesday, while the report posted on the municipal government’s website is dated July 18.

China has long experimented with systems that grade its citizens, rewarding good behavior with streamlined services while punishing bad actions with restrictions and penalties. Critics say such moves are fraught with risks and could lead to systems that reduce humans to little more than a report card.

Ambitious Plan

Beijing’s efforts represent the most ambitious yet among more than a dozen cities that are moving ahead with similar programs.

Hangzhou rolled out its personal credit system earlier this year, rewarding “pro-social behaviors” such as volunteer work and blood donations while punishing those who violate traffic laws and charge under-the-table fees. By the end of May, people with bad credit in China have been blocked from booking more than 11 million flights and 4 million high-speed train trips, according to the National Development and Reform Commission.

According to the Beijing government’s plan, different agencies will link databases to get a more detailed picture of every resident’s interactions across a swathe of services. The proposal calls for agencies including tourism bodies, business regulators and transit authorities to work together.

The tracking of individual behavior in China has become easier as economic life moves online, with apps such as Tencent’s WeChat and Ant Financial’s Alipay a central node for making payments, getting loans and organizing transport. Accounts are generally linked to mobile phone numbers, which in turn require government IDs.

The final version of China’s national social credit system remains uncertain. But as rules forcing social networks and internet providers to remove anonymity get increasingly enforced and facial recognition systems become more popular with policing bodies, authorities are likely to find everyone from internet dissenters to train-fare skippers easier to catch -- and punish -- than ever before.

北京将对个人信用评价打分 定期公示个人失信记录

近日，《北京市进一步优化营商环境行动计划（2018年—2020年）》发布，《行动计划》明确，2020年底前完成北京市社会信用条例立法工作，并建成覆盖全部常住人口的北京“个人诚信分”工程。

根据介绍，北京市将构建以企业信用为核心的市场监管机制，完善让失信主体“一处失信、处处受限、寸步难行”的信用惩戒格局，引导企业和个人以诚信立身兴业，充分展示示范引领全国的“北京诚信”。

这意味着，北京将真正开启对个人信用的评价，个人诚信分将关系终身。

在过去的诚信社会建设中，虽然主体都落在地方，但是目前为止，并没有地方真正的推出构建城市信用分的做法，北京在全国是个首创，而北京作为首都，在全国具有较强的师范效应，这种做法或许会引来很多地方的效仿。

当这种个人信用分与已经有的各种信用记录相结合，就能形成较为完整的个人信用评价体系，届时，个人的很多工作、生活都将与信用分息息相关，就如同现在的芝麻信用一样，在支付宝上，你的信用分不够，就会有很多权限享受不了。

未来在城市管理中，将也是这样，当一个人信用分比较低的时候，你会发现，你所享受的公共服务将受到限制，甚至你想考公务员，求职，都会受到影响，再或者，甚至到时候谈恋爱的时候，人家都会看一下，你的信用分高还是低，当你申请贷款的时候，你的信用分不够，或许会直接不给你贷款，即便给你贷款的，你的利息也会比别人高。

可以说，未来的社会一定是信用社会，信用是最大的财富。

因此，从现在开始，大家都维护好自己的信用吧。

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Business Tianjin 2018 November Issue

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