Free blood donation included in credit investigation

Recently, the national health and Health Commission, together with many departments, issued the notice on further promoting the healthy development of free blood donation. The notice proposed that all localities should explore the integration of free blood donation into the social credit system, establish an effective linkage of free blood donation incentive mechanism among individuals, units and society, and provide preferential treatment for blood donors to use public facilities.
Credit system is a word often seen in the media in recent years. What is it?
In today’s society, finance is essential. Enterprises need to borrow money, individuals need to borrow money, or to buy houses, or to spend money, but to borrow money from banks, banks need to know who they are and whether they can repay money on time. In order to answer this question, banks need to understand the economic situation of individuals and enterprises: how much is their income, whether they have borrowed money before, and whether they have a record of not returning the borrowed money It’s a very troublesome thing to prove one’s own economic situation. An individual needs a unit certificate, a salary certificate, etc.; an enterprise needs financial statements, etc. Moreover, it’s more difficult to prove whether one has borrowed money before and whether one has owed money but hasn’t paid it back.
Therefore, there are special institutions for individuals and enterprises to establish a “credit file” (i.e. personal credit report) and then provide it to each bank for use. This kind of activity that banks share credit information through a third-party organization is credit investigation. With this system, when individuals and enterprises borrow money from the bank, the bank will check the credit report, and then spend some time to focus on verifying some problems, and then make a judgment quickly.
In China, the establishment of this system is the credit investigation center of the people’s Bank of China. With the continuous improvement of the social credit system, the various credit records and history it covers will help the government and commercial institutions to make a comprehensive evaluation of the credit status of individuals and units. Therefore, credit system is actually a system used by financial enterprises to judge personal economy and financial credit status.
China’s credit system has developed rapidly in recent years. In 2007, China’s credit information index was only 3 points. With the further development of credit system construction, China’s credit information index has reached a full score of 8 for three consecutive years, leading some developed countries.
In 2018, 21 national banking institutions refused to apply for 911.7 billion yuan from high-risk customers in the pre loan review process, warned 1302.8 billion yuan of high-risk stock loans after loan, and cleared 159.4 billion yuan of non-performing loans by using the credit system. As of June 19, 2019, China has established the largest credit system in the world. The credit system has collected the relevant information of 990 million natural persons, 25.91 million enterprises and other organizations. The daily average inquiry volume of individual and enterprise credit reports has reached 5.5 million and 300000 times respectively.
Needless to say, as the content recorded in the credit system is related to whether a person can loan, and finance is an indispensable ability of modern society, in fact, it forms a reward and punishment mechanism, that is, the reward for the trustworthy and the punishment for the dishonest. Therefore, the credit system not only records the credit status of individuals and enterprises, but also is a starting point. In turn, it promotes the honesty and trustworthiness of individuals and enterprises, thus promoting the improvement of the credit status of the whole society. From this point of view, the credit system does have the initiative and the role of a baton.
However, in recent years, the credit system has an obvious trend of expansion. Many people call for the cross road, spitting and other behaviors to be included.
If free blood donation is included in credit system, banks and other financial institutions, will they look at the people who donate free blood differently? Can these people enjoy preferential interest rates or easier loans? Obviously, these answers are almost No. No matter whether an individual donates blood or not, it will not affect the evaluation of personal credit by financial institutions.
However, although financial institutions will not respond to blood donation or not, it does not mean that such content will not affect citizens after it is recorded in credit files. Under more strict rules, the content in credit files can make citizens obtain awards or be punished in public services. As a result, the credit system has crossed the financial boundary and become a moral file. China is a modern country, which means that the administration and management of the country according to law and the moral level of individuals cannot affect citizens’ equal right to enjoy public services.
From the perspective of the relationship between departments, it is an act of sharing the responsibility of departments to other departments to bring blood donation into the credit system. This phenomenon is not uncommon. For example, some time ago, after the viaduct was broken by Wuxi large truck, the problem of truck overload caused social concern, “overload into punishment” was hotly discussed by public opinion. There are many irrationalities in “overloading into punishment”, which are limited to length but not tired. It is important to share the responsibility of the traffic management department with the legislative and judicial departments.
Many years ago, in view of the frequent cases of injuries, the Ministry of health in that year also jointly issued documents to require the establishment of a specially assigned public security station in the hospital. This is also a matter for the health sector to be apportioned to the public security sector. As you can imagine, many years later, the so-called public security garrison of the hospital was not finished.