Policy positive embrace
Just as people thought that the Internet was just a technical thing, now people think that enjoying the economy is just a new economic model or a future concept.
Zhu, vice chairman of the Youth Committee of China Social Security Society and professor of capital university of economics and business Institute of Labor Economics, said in an interview with the reporter of Economy that people should look at the economy in a new way of thinking. Those judgments that the traditional social security system will fail under the * * * enjoyment economy should also be reconsidered in another way.
"This new economic form is definitely different from the traditional one. It is actually a scattered format, not an employment relationship in the traditional sense, so the traditional employment contract may not be applicable to them. We shouldn't use traditional things to set this new thing. There will definitely be a deviation in the middle. " In Zhu's view, when the traditional social insurance just came out, it was suitable for large-scale centralized employment in factories. In fact, when there were some informal employment later, it also encountered a great impact.
"The exclusive format like Uber is not exactly the same as the social insurance that everyone understands in the traditional sense. If you understand this relationship in a traditional way of thinking, you may think that it is problematic and against the rules, because after all, it is compulsory to pay according to our social insurance law, but if you understand it as a voluntary combination between individuals or between individuals and capital, it does not involve the traditional employment contract. So there is no need to boil it down to social security. Such a platform has brought us objective convenience and broken some monopoly things. I think this is a very good thing. " Zhu believes that there should be enough tolerance for some innovative things, because there are two possibilities for innovative things: first, it may cause some changes in business models and even lifestyle changes after it is done; Second, it may be a flash in the pan, and then some problems disappear, so the problems that everyone is worried about do not exist.
Zhu believes that it is more important to give a relaxed policy environment now. "Now the new business model has brought about the redistribution of benefits. It broke some competitive interests. Of course there will be a rebound. Various regulatory authorities are trying to stifle it through some policies. I think it's dangerous. This market should be allowed to develop spontaneously and restore the competition mechanism. "
Yang Dong, deputy dean of the Law School of Renmin University of China and the founding director of the Research Center for Financial Innovation and Risk Governance of Renmin University of China, also agreed. He told the Economist that "he can enjoy help at any time in the future, which is a kind of guarantee in itself, and the role, function and value of social security itself will not be reconstructed or subverted in the future."
Strict control by law
There are many uncertainties in the hedonic economy based on the wave of internet finance, which lies in the uncertainty of internet finance itself. Only by giving more protection to enterprises and consumers can we promote the normal development of the market and achieve a win-win situation for enterprises and consumers. In order to achieve this effect, it is necessary for relevant departments to constantly improve the supervision system and punish enterprises unilaterally by coercive means. It is unwise to force them to close.
It is particularly important to improve the legal system and do a good job in market supervision and macro-control. In this regard, Yang Dong believes that it is necessary to pay attention to the protection of investors' rights and interests, and the platform itself has the obligation to supervise. "For people who drive and use cars, it should be consistent with the platform qualification. If you monitor those car owners who fail to meet the standards through big data, you should retire in time, downgrade his credit and kick him out of the market. In the event of a problem, you can always find the relevant parties who are held accountable. "
Some strict control measures are very necessary. "Since we realize that * * * enjoys the economy as the general trend and direction in the future, we should introduce a regulatory policy or relevant laws and regulations to regulate the development of this new * * * enjoys the economy model and avoid the situation that cannot be relied upon. Unfair competition and loss of due balance will lead to flooding and an abnormal and unhealthy development trend. This is not conducive to the development of the industry, nor to the protection of consumers or ordinary people. " Yang Dong believes that in the face of the economic development trend of * * *, relevant control measures should be introduced in time, and we should not go to extremes. "Now it is developing rapidly, and it has not been given legal status. You can't stop it from developing. It is better to actively supervise and let it compete with traditional industries aboveboard. "
And * * * enjoys a large span of industries involved in the economy, so how to regulate it in detail in the process of definition? Yang Dong believes that it is still necessary to look at the specific situation and formulate different rules according to different industries.
Establish a credit system
The construction of domestic citizens' credit system is still in progress, and there are few credit data in the economic field. "The problem of credibility is more serious in China. There is a lack of communication between people, and the data between governments is not linked on a large scale. " Zhu Hongyuan, founder of Bei Bo Network, said.
Zhou, founder and CEO of Ether Capital, agrees. "Because there is still a lack of basic conditions for quickly establishing a credit mechanism, it will take more time to popularize it."
"In fact, the biggest problem in dealing with strangers is whether the real-name registration system can be implemented. How to make the transaction traceable? There must be a trading method based on real-name registration system. Now through online transaction information, as well as real-name authentication of phone number, ID number and bank card information. " Chen Chi, CEO of Piggy short rent, told reporters that only by relying on the existing citizenship system and realizing closed-loop transactions between strangers can we gradually put an end to safe transactions. "The central bank has allowed a number of third-party private credit reporting agencies to carry out personal credit reporting business, which means that in the future, on the basis of real-name identity, everyone's credit records in different social scenarios, such as consumption, travel, violations, loans, etc. Can be brought together, which will produce a more three-dimensional and useful credit record. " In his view, once these are formed, the social credit mechanism of strangers in China will be solved to a greater extent. This will help to form a business model of * * * enjoying the economy.
The current credit system needs to be built around "internet plus". After all, this is an era of big data. Chen Gui, director of the Credit Evaluation Research Center of Chinese Academy of Management Sciences and director of the Credit Working Committee of China Market Society, told the Economic Herald that in the era of "internet plus", the construction of social credit system should first pay attention to the market mechanism.
"China's economy has entered a new normal, and the' internet plus' action has become a national development strategy. The era of mobile Internet based on big data, cloud computing, Internet of Things and smart mobile also provides new development opportunities for the establishment of social credit system. The construction of social credit system needs top-level design, social coordination and comprehensive construction of market mechanism. Credit includes many dimensions such as economy, society, justice and government trust. Credit also covers the rule of law, morality, spiritual civilization and many other fields. Quantitative and qualitative neutralization evaluation is needed. " Chen Gui said that the coordinated development of government-led and market mechanisms is an effective way to establish a credit system in China.
In his view, there are two main models for the construction of social credit system in developed countries: one is a "bottom-up" private model represented by the United States and led by the market; One is the "top-down" national model represented by the European continent and led by the government. The advantages of the American model are market-led, rule of law first, developed intermediary and industry self-discipline, and it has the institutional characteristics of emphasizing the rule of law, ignoring morality, high efficiency and high risk. The European model has the advantages of government-led, smooth orders, strong supervision and high transparency, and has the institutional characteristics of emphasizing supervision, neglecting supervision, low efficiency and poor public trust.
Chen Gui believes that in the era of "internet plus", the credit market is an important part of the construction of social credit system. "In order to prevent credit risks and expand the scale of credit transactions, it is necessary to establish a third-party credit reporting agency to collect all kinds of credit information during the transaction and provide professional credit reporting services to the outside world. In the process of development, professional credit reporting agencies urged commercial entities to accelerate the innovation of products and services based on information applications, which promoted the further vigorous development of commercial credit. The personal credit information industry has risen due to personal credit consumption such as credit cards, real estate and automobile mortgage, and corporate credit information has risen due to the expansion of capital markets such as listing, bond issuance and credit. "
The market joint prevention and control mechanism is an effective means to build a social credit system. "There are several necessary elements to build a disciplinary mechanism for dishonesty: first, the credit data of the government and the people are open to credit reporting agencies; Second, professional credit agencies invest, legally collect credit data, build a joint credit database, and legally disclose the results of credit investigation; Third, the government advocates the establishment of a market joint defense mechanism, with the participation of government departments with regulatory functions and various credit subjects, so that untrustworthy subjects cannot obtain any form of credit convenience. " Chen Gui said that the disclosure, enjoyment, collection, processing and use of credit data and information involving enterprises, institutions and individuals must be carried out in accordance with the law. The legitimate privacy of collectives and individuals cannot be effectively protected, and the reasonable boundary of information disclosure and protection cannot be clearly defined. The social credit system will lose its public opinion base and legal basis, and it will also lose its justice and fairness.
Only by working hard on the construction of the credit system can * * * enjoy an economy with considerable development space.