Credit evaluation industry product illustration - World Credit Organization

Welcome,ice8000.org! To prevent counterfeiting, please look for the domain name: www.ice8000.org. Our mission: to promote social integrity, reduce transaction costs, enhance human well-being, and promote human integrity and progress. This online media is an online media sponsored by four units including the World Credit Organization (WCO), the International Moral Court [IMC], the World Integrity Organization (WIO), and the International Credit Dispute Arbitration Commission [ICDAC]. The name of this media is the International Credit Supervision Network, which can also be called the International Credit Standard Network, the International Credit Supervision Network, and the International Credit Standard Network. The ICE8000 standard is a standard to test whether a unit or an individual is truly honest.。
ICE8000 credit knowledge column
  • 1. "Introduction to ICE8000 Credit Knowledge"
  • 2. "Building an Integrity Unit——ICE8000 Integrity Management"
  • 3. "ICE8000 Credit Investigation, Analysis, Rating"

    • 2.7 Credit evaluation industry product icon

    Credit rating industry product service icon

    There are several concepts involved in the above picture, let me introduce them here.

    2.7.1 Commercial credit products and public welfare credit products

    We classify all products that charge customers for services as commercial credit products.

    We classify all products that do not charge the service recipients as public welfare credit products. Service charges for such products are borne by the World Credit Organization (WCO).

    However, it should be pointed out that this classification method does not conform to international practice. Because the essential difference between public welfare and business is not whether to charge or not, but whether profits can be used for distribution. The internationally accepted classification method is: commercial products are charged, and the profits from the charges can be used for shareholder distribution; Can be used for specific public welfare undertakings.

    2.7.2 Basic credit products and extended credit products

    Basic credit products refer to services that meet the two basic needs of people to reduce the risk of dishonesty and improve credibility.

    Extended credit products refer to services extended from basic credit services or financial services.

    2.7.3 Traditional credit products and ICE8000 credit products

    According to the history of credit products, credit products can be divided into traditional credit products and ICE8000 credit products.

    1. Traditional credit products

    The credit services that existed before the release of the ICE8000 international credit standard are called traditional credit products. For traditional credit products, the World Credit Organization (WCO) has the following actions:

    On the one hand, in order to help credit practitioners learn and master the work procedures, work content, and work priorities of this type of service, and to standardize their practice behavior, the World Credit Organization (WCO), in the ICE8000 international credit standard system, provides for each Standards have been established for each of the traditional credit products, and corresponding work instructions have been formulated according to the needs of ICE8000 credit institutions.

    On the other hand, the World Credit Organization (WCO), on the basis of studying the development laws of traditional credit products, combined with social reality, added some innovative elements to them. For example, in the credit investigation standard, the investigation method of notification investigation is optimized; in the credit commercial account collection standard, the credit commercial account collection service is effectively combined with the ICE8000 credit information dissemination mechanism and dispute resolution mechanism, which greatly increases credit. The intensity of threats and credit penalties can also help debtors eliminate subjective misunderstandings or objective disputes; in the credit file management standard, the credit file service is effectively combined with the ICE8000 credit information dissemination mechanism and dispute resolution mechanism, thereby improving credit at the same time. Credibility and speed of dissemination of information.

    2. ICE8000 Credit Products

    In the ICE8000 international credit standard, some products are innovated by the World Credit Organization (WCO). These new products are innovated by the World Credit Organization (WCO) in combination with social needs and based on internationally accepted legal principles and international practices. They do not violate the mandatory provisions of the laws of China and most countries, and are internationally universal. sex. In addition, for these products, the World Credit Organization (WCO) has produced work instructions according to the needs of ICE8000 credit institutions, which have strong operability. In the following expressions, we add the words ICE8000 in front of the innovative products of the ICE8000 system.

    The above content is excerpted from "Introduction to ICE8000 Credit Knowledge" (written by Fang Bangjian, free to use, but please indicate the source)