Ability Requirements and Cultivation of International Credit Practitioners-World Credit Organization

8.10 Ability Requirements and Cultivation of International Credit Practitioners

8.10.1 Competency requirements for international credit practitioners

8.10.2 Cultivation of learning ability

1. The importance and necessity of learning ability

Learning ability is the foundation of other abilities. With learning ability, other abilities can also be acquired through learning. International credit practitioners, as smart workers, cannot do without cultivating their learning ability.

Second, the cultivation of learning ability requires the establishment of the following four concepts

1. Get rid of the idea that learning is useless

Some people pointed out that studying is useless, and cited a large number of examples, saying that so-and-so succeeded without studying. It is undeniable that people with connections and backgrounds can get rich without studying, but they also need to learn if they want to be safe after becoming rich.

If the factor of relational background is removed, then: a person's social level is determined by the person's learning, and learning can also improve a person's social level. People who don't like to learn are often at the bottom of society.

That is to say, if you have no relationship and background, you want to improve your own social level, and you want to create a better environment for your children, you must learn.

2. Build confidence in learning

It should be admitted that there is a gap in the IQ of people. Some people lose confidence in their studies because of poor grades in school. In fact, diligence can make up for clumsiness, and expertise can make up for clumsiness. Diligence and concentration can make up for a person's IQ. For example, if the journey from Hong Kong to Beijing is compared to the process of learning ICE8000 knowledge, a person with a very high IQ is like taking a plane and arriving in a few hours, and a person with a medium IQ is like taking a train. It can be reached in dozens of hours. People with low IQ can reach it in a few months as long as they persevere even on foot.

Learning ability is related to a person's knowledge. The more knowledge a person has, the easier it is to integrate and understand by analogy. On the contrary, the less knowledge a person has, the more difficult it is to learn.

Some people have a low starting point, but are very impetuous and eager to make money. Doing ICE8000 business, wanting to make money without studying, is like seeking fish from a tree, which is impossible. Credit officer work, like lawyers and accountants, is a smart job. Without the necessary professional knowledge, it is impossible to make money. Some people think that there is no need to learn to do business in the market. The customer is not a fool, if he thinks your knowledge is not enough, it will be difficult for him to sign a contract with you.

If you have a small amount of knowledge and a low starting point, then you should not be eager for success in learning ICE8000 knowledge. After a long time of study, and the accumulation of knowledge to a certain extent, you will naturally be able to integrate and understand by analogy. Reach the entrance into the room, with ease.

Taking the example of Hisun Credit Rating Company, which ranks first almost every year, Mr. Xu started to learn ICE8000 when he was in his 50s, and Mr. Fu started to learn ICE8000 when he was around 40. Both of them were successful.

Three, the cultivation method of learning ability

1. Repeated reading and perseverance

ICE8000 knowledge system belongs to professional knowledge, which is boring and not as interesting as novels or movies. You can learn through repeated reading and perseverance. The ancients said: If you read a book a hundred times, you will see its meaning. Learning is like sailing against the current, if you don’t advance, you will retreat. Learning is like a seedling that rises in spring. It does not grow, but it increases day by day. Don't be afraid of slowness, be afraid of standing.

2. Interested reading method

The ancients said: Opening a book is beneficial. You can find some books that you are interested in reading, whether it is a novel or a magazine, any book will do, no matter whether the book is related to work or not, as long as you are interested in reading it. If you read more books, your knowledge will naturally increase, which is conducive to your learning of ICE8000 professional knowledge, and also conducive to improving your temperament and conversation. I used to have a leader who was a demobilized cadre who joined the army before graduating from junior high school, and was promoted to work in the army. However, this leader, no matter what the occasion, speaks and talks like an intellectual. The reason is that he loves to read books, especially novels and history books.

3. Time guarantee method

One-fourth or one-third of working time should be used for study. Use part of your spare time for study. The lower the starting point, the longer the learning time.

8.10.3 Cultivation of communication skills

I. The importance and necessity of communication skills

A piecework worker on a factory assembly line may not need communication skills, because he may only need mechanical labor. However, as intelligent workers, international credit practitioners need to communicate everywhere, and it is impossible not to cultivate communication skills.

Second, the cultivation of communication skills requires the establishment of the following three concepts

1. Get rid of the concept of "good eloquence means strong communication skills"

Some people mistakenly think that good eloquence means strong communication skills. In fact, it is not the case. You can pay attention to the people around you. People don't know his main purpose, or he always leads things in a direction that is not easy to solve, or creates extra problems. For example: Zhang San sells a sheep to Li Si, and the business is about to be completed, but Zhang San and Li Si quarrel about who runs faster, a dog or a wolf, and the business is not completed in the end.

Although some people are not good at talking, even a little stutter, although he doesn't talk much, but what he says is always just right.

2. Build confidence in communication skills

Communication ability is easier to obtain than learning ability, because it does not require more time investment, does not require hard study, and can be obtained by following the method in this book. Whether you are articulate or not, you can gain the ability to communicate with a conscience.

3. Characteristics of excellent communication skills

The characteristics of excellent communication skills: Know your goals (for example: how much you want the other party to repay is your goal), know the other party's views on your goals as soon as possible, and communicate around your goals.

Three, the cultivation method of communication ability

1. Use written communication to promote oral communication skills

Oral communication needs to face the influence of various random factors such as the interference of the other party and related personnel, and is prone to errors. Written communication, you can use enough time to modify your own language and words. If you have more written communication, your oral communication skills will naturally improve.

Some reference documents for ICE8000 practice should not be copied mechanically, but should be understood and used. Practicing documents such as: reminder letter, is a written communication.

2. When encountering communication matters, train yourself according to the following communication procedures, and gradually internalize the communication procedures into thinking habits

(1) The general procedure of communication is as follows:

(2) Communication work record form

Note: The following table is a brief table. Please use A4 paper for typesetting, one table per page, and adjust the height of the table to an appropriate height.

8.10.4 Cultivation of the ability to summarize experience and lessons

1. The importance and necessity of the ability to summarize lessons learned

Can't sum up experience, it's hard to replicate success. It is difficult to avoid similar mistakes if you do not learn lessons. Therefore, international credit practitioners, as smart workers, need to have the ability to learn lessons.

Second, to cultivate the ability to summarize experience and lessons, you need to establish the following four concepts first

1. Get rid of the concept of "summarizing experience is showing off"

Some people are too low-key, worrying that summing up experience will be considered as a show off and envied by others. In fact, most people will benefit from you, and sometimes psychological gratitude does not necessarily express to you in words.

2. Get rid of the concept of "mistakes are shameful, admitting mistakes is even more shameful, and I would rather die than admit mistakes"

Some people make mistakes when they practice, feel ashamed, and try their best to cover up. In fact, people are not sages, and no one has faults. If there is a fault, correct it, or avoid repeating it.

Covering up practice mistakes makes it difficult to reflect on mistakes well, and also makes oneself lose the opportunity to reflect on mistakes and avoid repeating mistakes. Moreover, by analyzing the background record, it is easy for others to see whether there are practice mistakes. Those who cover up their professional mistakes are truly ashamed.

3. Establish the concept of "attributing to yourself"

When reflecting on mistakes, try to attribute it to yourself, because you are a controllable factor, and external factors are uncontrollable factors. If you always attribute the cause to the outside, it is not conducive to exerting your own enthusiasm. Of course, in order to vent dissatisfaction, you can complain about external factors, but you must not forget to attribute it to yourself. For example: due to network control, credit warning information cannot be searched in time, some credit officers reduce their work efforts, while others increase their work efforts to make up for this external factor. Only when it is attributed to the self can the subjective initiative of people be brought into full play.

4. Recognize that human thoughts are like endless water, more and more flow, the old ones don't flow out, and the new ones don't flow out either.

Some people sum up their experience and lessons and keep them in their hearts, neither saying nor writing them out. In fact, this also affects the improvement of the ability to summarize. Because: people's thoughts are like endless water, more and more flow, the old does not flow out, and the new does not flow out.

Third, the training method of summarizing experience and lessons learned ability

1. For your own mistakes, take the initiative to admit your mistakes, or even take the initiative to admit your mistakes publicly, and experience the reactions of the people around you. Experience it several times, and you will find that more and more people will treat you sincerely and respect you sincerely. With the courage and action to sincerely admit your mistakes, your ability to sum up experience and reflect on lessons will naturally improve.

2. For unsuccessful cases, make an unsuccessful analysis report.

When the ICE8000 case is closed and registered, if it is an unsuccessful case, practitioners are required to write an unsuccessful analysis report. The writing process of this report is a process for practitioners to sort out their thoughts.

3. For successful cases, practitioners can write them up, and if possible: publish them in the media.

8.10.5 Cultivate the ability to deal with different opinions

Note that how to obtain different opinions and how to express different opinions to others belongs to the category of communication skills. What I'm talking about here is how to be good at different opinions raised by others.

1. The importance and necessity of being able to deal with different opinions

Only when international credit practitioners are able to deal with different opinions well, can they pool their wisdom and work together to give full play to the value of the credit agency platform and improve service levels.

Second, to cultivate the ability to be kind to different opinions, you need to establish the following five concepts first

1. Know the types of different opinions

According to the different methods of submission, different opinions generally include the following types:

(1) Suggestions, that is, constructive opinions.

(2) Criticism, critical opinion.

(3) Accusing and complaining.

2. Establish respect for the right to express different opinions

An opinion is essentially a point of view and speech, and it is the legitimate right of others to express different opinions. Therefore, you have to respect the right of others to express different opinions, whether you think the content of the opinions is correct or not.

3. Establish gratitude and goodwill for different opinions

Dissenting opinions, no matter how unacceptable the expression may be, provide you with an opportunity to discover and correct your own mistakes. Regardless of whether the content of different opinions is correct or not, you should be grateful and kind, not the other way around.

4. To overcome the rebellious psychology and the mentality of saving face.

The rebellious psychology and the psychology of wanting to save face are often integrated. They have a hostile attitude towards other people's different opinions and cannot listen to them.

5. To overcome frustration.

When people hear different opinions, their first reaction is often to be unhappy. They feel that the other party has denied themselves, and they feel frustrated. Especially when I think that I have been wronged or misunderstood, I feel very frustrated and want to get angry.

Third, the method of cultivating the ability to deal with different opinions

When encountering different opinions, train yourself as follows:

The first step is to listen carefully to different opinions, and don't interrupt each other halfway, let alone get angry. If you didn't restrain yourself and you got angry, apologize to the other person.

The second step, after listening, seriously consider the value of different opinions. For different opinions, if there is one, it will be changed, and if there is no one, it will be encouraged. No retaliation. And, regardless of whether you take a different opinion or not, say thank you when you get the chance.

The third step is to try to give feedback to the parties concerned about the reasons for the different opinions that have not been adopted. If you think the other party has misunderstood you, you can explain it to the other party. If you think the other person's opinion is incorrect, but the other person is trying to force you to accept his or her disagreement, you can kindly remind him that you have the right to reject his opinion.

8.10.6 Cultivation of independent thinking ability

1. The importance and necessity of independent thinking ability

If you want to become a very good international credit practitioner, you need the ability to think independently. Independent thinking is a necessary condition for distinguishing right from wrong.

Second, to cultivate the ability of independent thinking, the following two concepts need to be established first

1. Don't believe in authority

Scams, especially big scams, are always cloaked in the cloak of authority, so independent thinking is also a necessary condition for identifying all kinds of complex scams.

2. Pursue rationality

The pursuit of rationality is the pursuit of truth.

Three, the cultivation method of independent thinking ability

Caring about all kinds of things around you and all kinds of news in the society, use your own head to independently analyze the reasons and solutions, don't blindly believe in anything, and don't blindly disbelieve in anything.

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