Standard No.:	GB/T 46278-2025
English Name:	Indicators for individual business credit evaluation
Chinese Name:	个体工商户信用评价指标
Chinese Classification:	A20    Comprehensive Technology
Professional Classification:	GB    National Standard
ICS Classification:	03.080.99 03.080.99    Other services 03.080.99
Source Content Issued by:	SAMR; SAC
Issued on:	2025-8-29
Implemented on:	2025-12-1
Status:	valid
Target Language:	English
File Format:	PDF
Word Count:	9000 words
Translation Price(USD):	270.0
Delivery:	via email in 1~3 business day

GB/T 46278-2025 Indicators for individual business credit evaluation English, Anglais, Englisch, Inglés, えいご This is a draft translation for reference among interesting stakeholders. The finalized translation (passing thorugh draft translation, self-check, revision and varification) will be delivered upon being ordered. 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.