ICS 35.240.01 DB32 CCS L 70 江 苏 省 地 方 标 准 DB32/T 4186—2022 企业信用管理规范 Specifications for enterprise credit management 2022-01-28 发布 江苏省市场监督管理局 2022-02-28 实施 发 布 DB32/T 4186—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 4.2 4.3 4.4 客观性 ...........................................................................2 合法性 ...........................................................................2 安全性 ...........................................................................2 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 7.2 7.3 7.4 7.5 管理部门 .........................................................................3 部门职能 .........................................................................4 经费保障 .........................................................................4 专业人员和岗位 ...................................................................4 培训 .............................................................................4 8 信用调查与评估 .......................................................................4 8.1 8.2 8.3 8.4 8.5 调查内容 调查方法 评价指标 评价方法 分类管理 .........................................................................4 .........................................................................4 .........................................................................4 .........................................................................5 .........................................................................5 9 信用档案管理 .........................................................................5 9.1 9.2 9.3 9.4 档案的建立 .......................................................................5 档案的内容 .......................................................................5 档案的更新和维护 .................................................................5 档案的保管和查阅 .................................................................6 10 授信管理 ............................................................................6 10.1 计划总体授信 ....................................................................6 I DB32/T 4186—2022 10.2 10.3 10.4 10.5 明确授信政策 规范授信流程 科学合理授信 授信风险控制 ....................................................................6 ....................................................................6 ....................................................................6 ....................................................................6 11 合同管理 ............................................................................6 11.1 11.2 11.3 11.4 签订前管理 ......................................................................6 合同签订管理 ....................................................................7 履行过程管理 ....................................................................7 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 ...............................................................