I. Project Background: Addressing Long-Standing Challenges in Traditional Healthcare to Build a New Credit-Based Medical Ecosystem
As one of China’s first demonstration cities for social credit system construction, Xiamen has consistently worked to integrate credit value into public services. However, traditional healthcare settings still faced issues such as long registration queues, cumbersome payment processes, and financial pressure in emergencies. In response to the national "Internet + Healthcare" strategy, the Xiamen Municipal Health Commission, in collaboration with Xiamen Yilianshong Yihui Technology Co., Ltd. and Shanghai Huibi Information Technology Co., Ltd., developed the "Egret Score-Based Credit Medical Service Platform – Visualized Credit Healthcare System." This initiative leverages technological innovation and deep integration with the credit system to reshape medical service processes.
II. Innovative Practice: A Tripartite Smart Healthcare Solution
Credit Empowerment: "Treatment Before Payment" Model
The system integrates deeply with Xiamen’s Public Credit Information Platform, converting citizens’ "Egret Score" credit ratings into medical credit lines. Users with a score ≥650 can enjoy credit advances of up to ¥5,000, covering outpatient, inpatient, and pharmacy expenses. After implementation, pilot windows at top-tier hospitals like Xiamen Zhongshan Hospital and First Hospital reduced queue times by 62%, and average visit duration shortened from 90 to 35 minutes.
Data Visualization Dashboard: Intelligent Medical Resource Allocation
The visualization system developed by Shanghai Huibi Information Technology Co., Ltd. comprises three core modules:
- Credit Risk Control Panel: Monitors credit usage across 22 medical institutions in real time, using machine learning to dynamically adjust credit strategies. The bad debt rate remained below 0.03% after system launch.
- Medical Resource Heatmap: Integrates with hospital HIS systems to analyze peak departmental visits. In Q4 2023, it facilitated 128 scheduling adjustments, improving patient satisfaction by 27%.
- Credit Healthcare Behavior Analysis: Builds a user credit profile database, identifying over 430,000 high-credit users to support medical insurance cost control.
End-to-End Service Closure: Seamless Payment Experience
The system establishes a full-process management chain covering "credit authentication, automatic deduction, exception alerts, and credit repair." By integrating with UnionPay and Alipay, it enables automatic deductions within 72 hours after treatment. The "Family Payment" feature for vulnerable groups has served 12,000 elderly users. During the 2024 Spring Festival, the system resolved 387 sudden deduction failures, with a 92% success rate in automatic retries.
III. Implementation Outcomes: Significant Digital Benefits for the Public
Enhanced Quality and Efficiency in Public Services
As of June 2024, the system covers 96% of hospitals above Level II in Xiamen, serving over 2.1 million patients with credit transactions exceeding ¥380 million. Third-party evaluations show:
- 58% improvement in patient visit efficiency
- 35% reduction in hospital window operational costs
- 41% decrease in medical dispute complaints
Tangible Credit Value
The system innovates a positive feedback mechanism of "credit healthcare –守信激励" (守信激励):
- Users repaying on time for 12 consecutive months receive 50-100 Egret Score points
- High-credit users enjoy 15 privileges including dedicated预约 channels and priority bed安排
- Over ¥60 million in deposit waivers for creditworthy citizens
Breakthrough Management Efficiency
The visualization system provides digital tools for government oversight:
- Establishes a medical institution credit evaluation model with a "Red-Black List" public system
- Identifies and rectifies 47违规 behaviors such as duplicate charges and item splitting
- Achieves 98.6% accuracy in medical insurance fund usage analysis
IV. Technical Highlights: Core Barriers Through Independent Innovation
Hybrid Cloud Architecture Ensures Data Security
A "government cloud + private cloud" hybrid deployment model with SM4 encryption for medical data transmission. The system meets Tier 3 cybersecurity certification and withstands over 2 million daily cyber attacks.
Intelligent Risk Control Engine
Dual validation integrating rule engines and AI models:
- Real-time interception of 1,326 abnormal medical behaviors
- Accurate identification of 89 ticket scalping ("黄牛") cases
- 99.2% accuracy in fraudulent transaction recognition
Microservices Design
SpringCloud architecture enables:
- Concurrent processing capacity of 5,000 TPS
- Self-healing recovery in <15 seconds
- Supports 2 million simultaneous online users
V. Social Value: A National Model for Credit-Based Healthcare
The project has developed a replicable "Xiamen Model":
- Standardization: Leads the development of 3 local standards including "Technical Specifications for Credit Medical Service Platforms"
- Replication: Experiences replicated in 8 cities including Fuzhou and Quanzhou
- Industry Recognition: Named "2023 China Top 10 Innovative Cases in Smart Healthcare"
- International Acknowledgment: Included in the APEC Digital Health Innovation Case Library
VI. Future Vision: Building Medical Credit Infrastructure
Xiamen plans in the next three years to:
- Extend credit healthcare to private medical institutions
- Explore inter-provincial credit score mutual recognition
- Integrate digital RMB settlement systems
- Develop innovative "Credit + Internet Hospital" applications
This project demonstrates that organic integration of technological innovation and credit systems can effectively address long-standing challenges in healthcare. Xiamen’s Credit Healthcare Visualization System not only improves medical service efficiency but also reshapes doctor-patient trust relationships, providing a vibrant example for national credit society construction. As the system continues to evolve, the principle that "credit has value" will become further embedded in the city’s fabric, allowing every citizen to benefit from technology-driven health dividends.