ICE8000 credit institution self-discipline and supervision standards

Chapter I General Provisions

1.1 In order to standardize the practice of ICE8000 credit institutions, in order to provide professional, fair and efficient credit services to the society, promote social integrity, reduce transaction costs, and enhance human well-being, according to international legal principles and international practices, the World Credit Organization (WCO) Develop this standard.

1.2 The main legal basis for the development, application and implementation of this standard is as follows:

(1) The principle of freedom of the Constitution. The constitutions of the vast majority of countries in the world give people the freedom to defend their legitimate rights, the freedom to maintain social justice and the freedom to express their opinions.

(2) The principle of public order and goodness of law. This legal principle gives people the right to maintain social justice. The basic principles of civil law in most countries of the world include the principles of public order and good customs.

(3) The principle of good faith in law. This legal principle gives people the obligation of good faith. Most countries in the world regard the principle of good faith as the basic law of their civil and commercial laws.

(4) The principle of freedom of contract in law, also known as the principle of free agreement. This legal principle gives people the freedom to enter into a civil contract. The basic principles of civil law in most countries of the world include the principle of freedom of contract.

1.3 The conduct of the application and implementation of this standard shall be deemed to be the tripartite or multi-party contractual act of the World Credit Organization (WCO) in Delaware, USA, as an attestation or supervisor, and The relevant disputes arising from this act are applicable to and protected by the laws of the State of Delaware and the United States, and the jurisdiction is also the International Court of Ethics or the Delaware Court of the United States and the United States Federal Court. If the parties have agreed otherwise or otherwise stated in the applicable law and/or jurisdiction, the binding does not involve the World Credit Organization (WCO).

1.4 The ICE8000 credit institution referred to in this standard, also known as the ICE8000 international credit institution or the World Credit Organization (WCO) member credit institution, refers to the requirements of the ICE8000 international credit standard system in terms of knowledge structure, work ability and professional ethics, and obtains world credit. Organization of (WCO) certification, in the credit evaluation and other credit practice work have the right and obligation to comply with the ICE8000 international credit standard system standards, to prevent their own abuse of credit evaluation and other rights or damage to the legitimate rights and interests of other types of credit companies and other credit practitioners. The ICE8000 credit institution is a member unit of the World Credit Organization (WCO), not a branch, representative office, agency or subordinate organization of the World Credit Organization (WCO). According to the business scope of ICE8000 credit institutions, ICE8000 credit institutions can also be called ICE8000 credit reporting agencies, ICE8000 Lixin institutions, ICE8000 training institutions, and ICE8000 management consulting organizations.

1.5 This standard is applicable to the self-discipline and supervision of ICE8000 credit institutions.

1.6 The self-discipline and supervision of ICE8000 credit institutions follow the principles of openness, strictness, openness, fairness, fairness, prudence and supervision.

1.7 All parties applying this standard shall abide by the principle of good faith, moral bottom line and social responsibility bottom line in the process of applying this standard, and exercise and assume the rights and obligations stipulated in this standard.

1.8 All parties to this standard are deemed to have fully understood and committed to comply with all the terms of this standard. However, if any party to this standard finds any unfairness in any of the provisions of this standard, it has the right to publicly declare that it is not subject to public disclosure of the relevant circumstances and reasons and written notice to the World Credit Organization (WCO). Terms and conditions.

1.9 ICE8000 credit institutions should improve internal governance and actively implement ICE8000 integrity management. Due to poor management, the World Credit Organization (WCO) intellectual property rights and other legitimate rights and interests will be damaged. Credit institutions should bear corresponding responsibilities, if credit institutions have deliberately concealed If the circumstances are serious, it shall be jointly and severally liable with the untrustworthy person.

Chapter II Certification of ICE8000 Credit Agency

2.1 All credit companies and other types of units that meet the following conditions, if they apply for certification, the World Credit Organization (WCO) shall certify it as an ICE8000 credit institution:

(1) Commit to comply with the ICE8000 international credit standard system standards;

(2) Commitment to the supervision of the World Credit Organization (WCO);

(3) There are more than three international credit practitioners (Note: International credit practitioners refer to International Credit Managers [ICA], International Credit Managers [ICM], International Registered Creditors [ICCA]);

(4) Has become a member of the World Credit Organization (WCO) group;

(5) Having the right to engage in credit evaluation, management consulting or related business in accordance with the laws of the country where it is located;

(6) All employees and management personnel (especially including non-executive directors, non-executive supervisors and other part-time senior staff) are all recognized as international credit practitioners;

(7) All employees and managers of natural person agents or legal persons are all recognized as international credit practitioners;

(8) All shareholders who are not employees and all non-employee shareholders who are represented by legal persons are all entitled to ICE8000 credit card;

(9) Not in the period of imprisonment.

2.2 For units that cannot meet all the conditions for certification as described in 2.1 due to objective conditions, the World Credit Organization (WCO) sets a period of counseling for a certain period of time based on actual conditions. Units within the counseling period should actively meet all certification conditions. After the counseling period, for the accredited units that do not meet the certification conditions described in 2.1, regardless of the non-conformity caused by any reason, the identity of the ICE8000 credit institution will automatically expire and the certification certificate will automatically become invalid.

2.3 When a credit institution applies for certification for the first time, or re-applies for certification for various reasons, the legal representative and/or the actual responsible person shall make a conscience oath.

Chapter III Practice Standards and Professional Ethics

3.1 The ICE8000 credit institution shall follow the principles of independence, neutrality, objectivity, fairness, strictness, rigorousness, prudence, legality and reasonableness in its practice.

3.2 ICE8000 credit institutions should be honest, trustworthy and diligent in their practice.

3.3 ICE8000 credit institutions should protect state secrets, trade secrets, and personal privacy when practicing.

3.4 ICE8000 credit institutions should be honest in their practice, and it is strictly forbidden to ask for or obtain illegal interests and improper interests.

3.5 ICE8000 credit institutions should compete fairly and must not compete maliciously.

3.6 ICE8000 credit institutions shall not accept other ICE8000 credit institution staff and agents to transfer their business privately. They shall not employ the on-the-job staff of other ICE8000 credit institutions, natural person agents or legal person agents, and may not sign agency agreements with other ICE8000 credit institution agents. .

ICE8000 credit institutions may not use kickbacks and other unfair means to develop business.

3.7 After the ICE8000 credit institution has been disqualified from the ICE8000 credit institution for various reasons, it shall hand over the archives of the outstanding cases and closed cases to the designated ICE8000 credit institution in accordance with the notice of the World Credit Organization (WCO). The designated ICE8000 credit institution shall undertake the follow-up work of the outstanding cases, and the relevant income and expenses shall be reasonably distributed according to the actual situation. The relevant customers refuse to cooperate with the follow-up work of the relevant case, at their own risk.

Chapter IV Learning and Quality of Credit Services

4.1 ICE8000 credit institutions should understand, learn and strive to fully understand the various standards of the ICE8000 international credit standard system, the World Credit Organization (WCO) systems and resolutions, strictly abide by the various standards, systems and resolutions, and pay full attention to the following two points:

(1) New revisions to any standard of the ICE8000 system, new resolutions and new systems by the World Credit Organization (WCO), and new amendments to the original system and resolutions by the World Credit Organization (WCO), which should be implemented and observed by ICE8000 credit institutions;

(2) The ICE8000 credit institution shall not refuse to implement the relevant regulations or refuse to accept the relevant industry self-discipline punishment decision on the grounds that it does not know the relevant regulations.

4.2 ICE8000 credit institutions should focus on internal management, create a learning and integrity atmosphere within the unit, and actively implement integrity management in light of their own reality.

4.3 ICE8000 credit institution should listen to the opinions of customers and strive for excellence in service quality.

4.4 The ICE8000 credit institution shall promptly consult with the World Credit Organization (WCO) in response to problems or problems encountered in the work in order to provide better services to customers.

4.5 ICE8000 credit institution shall send the “ICE8000 Credit Service Quality Supervision Card” and corresponding documents to the customer, so that the World Credit Organization (WCO) can timely know the work quality and customer satisfaction of the ICE8000 credit institution.

4.6 The practice documents issued by the ICE8000 credit institution shall be filed with the World Credit Organization (WCO), and the record number, verification password and verification website shall be added to the practice documents.

4.7 The ICE8000 credit institution, its employees and agents shall actively accept the performance appraisal of the World Credit Organization (WCO), and actively and truthfully submit all kinds of materials related to the evaluation.

4.8 ICE8000 credit institution has the obligation to review the legality and compliance of the practice of its international credit practitioners, and has the obligation to recommend the appropriateness of the practice of its international credit practitioners.

4.9 ICE8000 Credit Agency shall conduct due diligence on the work of the World Credit Organization (WCO) in a timely manner. When doing due diligence, you should declare a conscience vow clause to ensure that you follow the integrity principle, the moral bottom line, and the social responsibility bottom line for registration.

4.10 The client has the right to inquire about the due diligence of ICE8000 credit institutions and international credit practitioners.

Chapter V Credit Information and Archives Evidence Materials

5.1 World Credit Organization (WCO) Credit Information is open to all ICE8000 credit institutions.

5.2 The information of untrustworthiness and identity discovered by ICE8000 credit institutions in their practice shall be filed with the World Credit Organization (WCO).

5.3 The archive evidence obtained by the ICE8000 credit institution in the credit business shall be kept and filed in accordance with the ICE8000 International Credit Standard System Archives Data Management Standard.

Chapter VI Brand Self-discipline and Inter-bank Prohibition

6.1 The ICE8000 credit institution shall maintain the “ICE8000” and “World Credit Organization (WCO)” brands, and shall not engage in short-term behavior and damage the legitimate rights and interests of interested parties.

6.2 The ICE8000 credit institution shall not seek any form of registration or other form of infringement of the World Credit Organization (WCO) trademarks, names, font sizes, domain names, copyrights and other intellectual property rights and similar intellectual property rights.

6.3 ICE8000 credit institutions may independently carry out various types of work unrelated to ICE8000 in the name of their own units. However, such work shall not violate the law or cause damage or potential damage to “ICE8000” and “World Credit Organization (WCO)”. . Before carrying out such work, it should be reported to the World Credit Organization (WCO) for approval.

6.4 ICE8000 credit institutions may not work in the name of “World Credit Organization (WCO)”, nor may they carry out various types of work unrelated to ICE8000 in the name of “ICE8000 Credit Institution”, and obtain written consent from the World Credit Organization (WCO). except.

6.5 All kinds of contracts signed by ICE8000 credit institutions concerning the ICE8000 international credit standard system shall be filed with the World Credit Organization (WCO), but no approval is required and the corresponding consequences shall be borne by themselves.

6.6 Without the consent of the World Credit Organization (WCO), the ICE8000 credit institution may not transfer or disguise the credit business to a unit or individual that does not have the identity of the ICE8000 credit institution.

6.7 After the credit institution loses the identity of the ICE8000 credit institution for various reasons, it shall not engage in credit business with a competitive relationship or potential competitive relationship with the World Credit Organization (WCO) within three years, and the World Credit Organization (WCO) has the right to prohibit the trade. Check the compliance.

6.8 After the credit institution loses the identity of the ICE8000 credit institution for various reasons, it shall truthfully declare its own business situation to the World Credit Organization (WCO) on a quarterly basis within three years, in order to prove that it has not violated the obligations of the same industry, refuse to declare or fail to declare truthfully or Refusal to cooperate with the World Credit Organization (WCO) to check the prohibition of inter-bank obligations is considered a violation of the obligations of the industry.

Chapter VII Industry Supervision

7.1 The ICE8000 credit institution should know or ought to know that international credit practitioners and other ICE8000 credit institutions have illegal or irregular behaviors, and should actively report and provide relevant information to the World Credit Organization (WCO).

7.2 When the World Credit Organization (WCO) investigates suspected violations and violations, any informed or well-informed ICE8000 credit institution shall actively cooperate and provide relevant information truthfully.

Chapter VIII Integrity Impact Rating and Qualification Rating

8.1 Integrity influence refers to the ability to influence the integrity of the enterprise (including other units, but not including natural persons). The influence of integrity reflects the professional competence of a credit institution to a certain extent.

8.2 Integrity impact scoring standards are as follows: Before June 30, 2015, according to its credit service income, 1 point per 1000 yuan. After July 1, 2015, each contracted a perennial integrity management consultant unit, according to the member's membership level points, temporary members 1 point; junior members 100 points; intermediate members 1000 points; senior members 10,000 points.

8.3 World Credit Organization (WCO) According to the credit agency's sense of responsibility and income ability, the credit institution is rated as three levels of advanced, intermediate and junior. The standards are as follows: Willing and able to assume the responsibility of senior\intermediate\primary member, advanced \Intermediate\ Junior Member.

8.4 World Credit Organization (WCO) According to the professional level and quantity of the practitioners of credit institutions, each qualification level is subdivided into three grades: A, B, C, etc. The standards are as follows:

(1) Class A standards:

A. At least six practicing international registered creditors [ICCA] or international credit managers [ICM];

B. No reservations have been made to the terms of this standard, and no non-compliance statements have been issued on the terms of this standard.

(2) Standards such as B:

A. At least three practicing international registered creditors [ICCA] or international credit managers [ICM];

B. No reservations have been made to the terms of this standard, and no non-compliance statements have been issued on the terms of this standard.

(3) C and other standards: if they fail to meet the standards of B or are in the counseling period, they are C.

8.5 Qualification rating time:

(1) Periodic assessment: assessment is carried out before the issuance of the certification certificate every year;

(2) Irregular assessment: When a credit institution has a situation affecting its qualification level, it will be re-evaluated within 15 days after the occurrence of the situation. If the qualification level is lowered, the credit institution may not use the original certificate.

Chapter IX Illegal Liability and Dispute Resolution

9.1 If the party violates the provisions of this standard, it shall bear the following liability for breach of contract:

(1) The corresponding legal liability, namely: the legal punishment prescribed by the relevant applicable law.

(2) Corresponding credit responsibility, that is, to bear credit punishments such as internal complaints, public complaints, credit warnings, internal exposure, public exposure, joint exposure, etc.

(3) The corresponding industry self-discipline responsibility, namely: announcement of criticism, fines, cancellation of credit card, prohibition of self-discipline and other disciplines.

(4) If the breach of contract causes losses (including material damage and mental damage) to others, it shall be liable for compensation. If the breach of contract constitutes a malicious dishonesty, it shall also make punitive damages to the infringed person in accordance with international practice and the principle of common law.

9.2 Method of investigation of breach of contract liability:

(1) According to the "ICS8000 International Credit Standard System Internal Complaint Standard" or "ICE8000 International Credit Standard System Public Complaint Standard" or "ICE8000 International Credit Standard System Credit Warning Standard" or "ICE8000 International Credit Standard System Internal Exposure Standard" or "ICE8000" International Exposure Standards for Public Credit Standards or Joint Exposure Standards for ICE8000 International Credit Standards System for credit complaints and credit penalties;

(2) Applying for arbitration under the International Credit Dispute Arbitration Commission in accordance with the ICE8000 International Credit Standards System International Credit Dispute Arbitration Standard, without the need to submit a separate arbitration agreement;

(3) Apply to the International Moral Court for trial in accordance with the ICE8000 International Credit Standards System International Credit Dispute Trial Standard;

(4) If the defaulter has the membership of the World Credit Organization (WCO), the parties also have the right to make a complaint in accordance with the World Credit Organization (WCO) Member Supervision Standards;

(5) File a lawsuit in the US Delaware Court or the US Federal Court in accordance with the laws of the State of Delaware or the United States federal law.

9.3 The responsibility for breach of contract in this standard shall be based on the principle of ignoring:

(1) Only the aggrieved party will take the initiative to pursue the investigation, and the defaulting party will bear the corresponding liability for breach of contract;

(2) The aggrieved party has the right to decide whether to initiate the corresponding accountability procedure for breach of contract;

(3) The aggrieved party has the right to understand the defaulting party or reach an agreement with the defaulting party.

9.4 The injured party shall have the right to pursue the corresponding responsibility for the employee or agent who participates in, performs, or assists the party to commit the breach unless it proves that it is not at fault.

9.5 Violations of the provisions of this standard may and should be considered as an independent breach of contract or dishonesty. If the relevant parties appear in the process of applying this standard, such acts as fraudulent, covert, defamatory, insulting, and denying others' credit evaluation rights, the act is an independent malicious dishonesty act or an independent serious malicious dishonesty. The parties concerned have the right to merge. Investigate or separately pursue the responsibility of the independent dishonesty.

9.6 The World Credit Organization (WCO) shall bear economic compensation for its own faults, and the expenditure for economic compensation shall be included in the financial plan of the World Credit Organization (WCO) for the next year. If the economic compensation is large, compensation shall be made in each year.

After accepting economic compensation, the World Credit Organization (WCO) has the right to recover losses from units or individuals responsible for acts of dishonesty with gross negligence or subjective intent.

Chapter X Supplementary Provisions

10.1 This standard shall be implemented as of the date of promulgation.

10.2 The terminology involved in this standard, if its meaning is not agreed in this standard, its meaning is described in the ICE8000 International Credit Standard System International Credit Industry Terminology.

10.3 All kinds of materials submitted by relevant parties to the World Credit Organization (WCO) (or ICE8000 Credit Agency) in accordance with this standard shall be listed in the ICE8000 International Credit Standard System Document Copyright Management Standard.

10.4 If the relevant parties know or ought to have known that any of the terms or conditions of this standard have not been complied with, but still do not expressly file a written objection in time for this non-compliance, it is deemed to waive their right to file an objection. The waiving party shall bear the legal consequences such as losses caused by the waiver, and the World Credit Organization (WCO) and other parties shall not be responsible for this.

10.5 This standard will be revised and improved. All parties applying this standard should pay full attention to the revision of this standard and apply the latest version of this standard. However, the behavior that occurred before the revision of this standard may not be subject to the new revised clause. The official website of the latest Chinese version of this standard is: https://www.ice8000.org/aenhw/gc/12.html .

10.6 The copyright of this standard belongs to the World Credit Organization (WCO), members can use it for free and unlimited use; non-members can use it free of charge for study, training, research, self-use, reprint, citation, adaptation, reference, reference under the premise of indicating or declaring the source. , reference. No unit or individual may plagiarize plagiarism or disguise plagiarism or otherwise infringe. Otherwise, we will jointly expose the infringing units, individuals and related personnel after the investigation of the infringement facts is clear (to issue a credit wanted order to the society). And reserves the right to pursue their legal responsibility. Do not infringe or infringe.

10.7 The standard version number is expressed as: ICE8000-abcd, where: the front-end ICE8000 indicates that this standard belongs to one of the standards of the ICE8000 international credit standard system; a is the serial number of the standard in the ICE8000 system standard set, if this standard is Abolished, the serial number is sometimes transferred to other standards; b is the initial writing time of this standard; c is the latest revision time of this standard; d is the number of revisions of this standard.

10.8 This standard is interpreted by the World Credit Organization (WCO).