GB/T 46278-2025 Indicators for individual business credit evaluation English, Anglais, Englisch, Inglés, えいご
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ICS 03.080.99 CCS A20
NATIONAL STANDARD OF THE PEOPLE'S REPUBLIC OF CHINA
GB/T 46278-2025
Indicators for Individual Business Credit Evaluation
Published on 2025-08-29 Implemented on 2025-12-01
Issued by State Administration for Market Regulation
Standardization Administration of China
Contents
Foreword
Introduction
1 Scope
2 Normative References
3 Terms and Definitions
4 Basic Requirements
4.1 Scientificity
4.2 Rationality
4.3 Applicability
4.4 Security
5 Indicator Content
5.1 Overview
5.2 Basic Indicators
5.3 Special Indicators
6 Indicator Setting
Appendix A (Normative) Basic Indicators for Individual Business Credit Evaluation
References
1 Scope
This document establishes the fundamental requirements, content framework, and setting principles for credit evaluation indicators applicable to individual businesses.
It governs credit assessment activities conducted by regulatory authorities and may serve as a reference for related evaluation practices.
2 Normative References
The following documents constitute indispensable provisions through normative citation:
GB/T 22117: Credit - Basic Terminology
GB/T 37914: Credit Information Classification and Coding Specification
GB/T 39441: Public Credit Information Classification and Coding Specification
3 Terms and Definitions
3.1 Individual Business
A natural person engaged in industrial/commercial operations upon legal registration.
3.2 Individual Business Credit Evaluation
Comprehensive assessment of an individual business's willingness, capability, and behavior in fulfilling statutory obligations, contractual commitments, and voluntary pledges.
4 Fundamental Requirements
4.1 Scientificity
Indicators shall incorporate core factors influencing creditworthiness and risk exposure.
4.2 Rationality
Indicators must maintain logical coherence without redundancy or contradiction.
4.3 Applicability
All indicators shall facilitate comprehensibility, data collection, and operational implementation.
4.4 Security
Mandatory safeguards shall ensure lawful and protected handling of data throughout its lifecycle.
