On July 23, Institute of Free Trade Zone,Zhongshan Unicersityreleases the " Top Ten Cases of Institutional Innovation in Pilot Free Trade Zone for 2019-2020 ", and the "Enterprise Credit File Visualization Project" in Yichang Pilot Free Trade Zoneis selected.

　　In 2017, the Yichang Free Trade Zone adoptedthe results of the “One-Web” construction of smart cities and government services, combined with offline collection of information on the actual operating conditions of enterprises, and creatively launched the “Enterprise Credit File Visualization Project” to establish electronic credit files for market entities.

　　Currently, the innovative initiative has been implemented in the Three Gorges Logistic ParkandAqua Plaza, covering nearly 30,000markets.Enterprises and storespost "credit QR codes" at the entrances, and online shops will automatically embed thecredit codes when they are opened. Just scan them with a mobile phone and the credit information of market subject will be automatically presented.

　　"Through the'credit QR code', the partners of the enterprise canmaster the credit of the enterprise in the shortesttime." said Long Hongying, the senior credit manager of Yichang Green ShieldCredit Information Co., Ltd. The role is two-way, and consumers can alsochoose consumption according tothe credit, and there is no need to make complaints when you encounter a situation that requires safeguard rights. Just scan the QR code for real-name registration.

　　Up to now, enterprises and the public have scanned the code for nearly 100,000. There are 980 real-name well-reviewed businesses, 1,852 real-name well-reviewed information, 10 real-name bad- reviewed businesses, and 25 real-name bad-review information.

　　At the same time, the credit of enterprises is directly linked to supervision and financing. Supervision department implement differentiated measures for enterprises with different credit ratings. For example, some enterprises with low credit ratings cannot enjoy services such as the " tax-related enforcement capacity."

　　In the Credit Demonstration Park, the enterprises with good credit can receive the support of established preferential policies from 115% to 130%,and enjoy the service of "acceptance of tolerance and approval of tolerance." In the online financial service platform, enterprises with high credit ratings can obtain credit loans,achieving"nomortgages and noerrands." The bank obtains enterprises credit information through the platform and conducts post-loan supervision throughout the entire process. The loan approval time has been reduced from 7 days to 1 day. Currently, the online financial services platform has recommended A level and above andmore than1.8milliontrustworthy enterprises,theline of creditreached80.42 billion yuan, and issued 10294 loans totalled61.56 billionyuan.

　　“The digitization, full coverage and easy access of credit files force enterprises to be honest and self-disciplined, will gain more effortsto improvetheproduct quality and service leveltowin the trust of consumers and partners." Liu Changqing, head of the Innovation Promotion Bureau of Yichang Free Trade Zone, said that the "onephoto, one code" of market entities' credit fileswill help create an honest business environment and make honest keepers feel the "sense of achievement."(Reported by Tian Xiaochun, Correspondent Xu Jiafeng)