DB32/T 4186-2022 企业信用管理规范

ICS35.240.01

CCSL70DB32

江苏省地方标准

DB32/T4186—2022

企业信用管理规范

Specificationsforenterprisecreditmanagement

2022-01-28发布2022-02-28实施

江苏省市场监督管理局发布

DB32/T4186—2022

目次

前言.............................................................................III

引言..............................................................................IV

1范围.................................................................................1

2规范性引用文件.......................................................................1

3术语和定义...........................................................................1

4基本原则.............................................................................2

4.1客观性...........................................................................2

4.2合法性...........................................................................2

4.3安全性...........................................................................2

4.4适用性...........................................................................2

5通用要求.............................................................................2

6信用管理目标与制度...................................................................3

6.1目标.............................................................................3

6.2制度.............................................................................3

6.3发布及执行.......................................................................3

7信用管理组织.........................................................................3

7.1管理部门.........................................................................3

7.2部门职能.........................................................................4

7.3经费保障.........................................................................4

7.4专业人员和岗位...................................................................4

7.5培训.............................................................................4

8信用调查与评估.......................................................................4

8.1调查内容.........................................................................4

8.2调查方法.........................................................................4

8.3评价指标.........................................................................4

8.4评价方法.........................................................................5

8.5分类管理.........................................................................5

9信用档案管理.........................................................................5

9.1档案的建立.......................................................................5

9.2档案的内容.......................................................................5

9.3档案的更新和维护.................................................................5

9.4档案的保管和查阅.................................................................6

10授信管理............................................................................6

10.1计划总体授信....................................................................6

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DB32/T4186—2022

10.2明确授信政策....................................................................6

10.3规范授信流程....................................................................6

10.4科学合理授信....................................................................6

10.5授信风险控制....................................................................6

11合同管理............................................................................6

11.1签订前管理......................................................................6

11.2合同签订管理....................................................................7

11.3履行过程管理....................................................................7

11.4履行后管理......................................................................7

12商账管理............................................................................7

12.1统计分析与结算..................................................................7

12.2监控与预警......................................................................7

12.3组织催收........................................................................7

13信用管理信息化系统..................................................................8

13.1系统建设........................................................................8

13.2系统功能........................................................................8

14信用工具和信用服务..................................................................8

14.1应用方式........................................................................8

14.2应用领域........................................................................8

15社会责任履行与诚信自律..............................................................8

15.1总体要求........................................................................8

15.2社会责任核心事项................................................................9

15.3诚信自律............................................