Chapter Two Credit Investigation Practical Learning Objectives - World Credit Organization

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ICE8000 credit knowledge column
  • 1. "Introduction to ICE8000 Credit Knowledge"
  • 2. "Building an Integrity Unit——ICE8000 Integrity Management"
  • 3. "ICE8000 Credit Investigation, Analysis, Rating"

    • Chapter 2 Credit Investigation Practice Learning Objectives

    Content of this chapter

    This chapter mainly introduces the process and method of credit investigation. This chapter is the practical application of "ICE8000 Credit Investigation Standard".

    Learning Objectives

    After studying this chapter, you should:

    • Ability to write a credit investigation plan;
    • Ability to implement credit investigation programs;
    • Able to write a credit investigation report according to the implementation results of the credit investigation plan;
    • Be able to use the knowledge in this chapter to implement the identity investigation of ICE8000 new star integrity units according to "ICE8000 Credit Investigation Standards" and "ICE8000 Rising Star Integrity Unit Certification and Supervision Standards".

    Administrative Questions

    1. Xiao Zhang is a staff member of the Credit Management Department of Zhongyong Group Company, and his job position is a credit investigation post. Xiao Zhang believes that credit investigation is one of the basic links of risk prevention, so it should be done very fully, and it should take more time to do enough investigation. However, Mr. Wang, the general manager of the credit management department, always gave Xiao Zhang a lot of credit investigation tasks and asked him to complete them within a relatively short period of time. Xiao Zhang believed that the investigation tasks could not be completed within a relatively short period of time.

    Old Wang believes that there are too many credit sales applications transferred from the marketing department. If they all investigate according to Xiao Zhang's thinking, the general manager of the marketing department and the general manager of the group will have opinions, because in that case, there will be two-thirds of the credit sales Applications cannot be processed.

    Later, Lao Wang approached Lao Li, the general manager of the group company, and asked to increase the number of staff in the department in order to set up more credit investigation posts, so as to achieve full credit investigation. But it was not approved. Lao Li believes that credit information is unlimited, and it is impossible for credit investigations to be fully investigated.

    How does Lao Wang, under the current conditions, prevent the credit risks brought about by insufficient credit investigation to the greatest extent?

    How can Xiao Zhang efficiently complete the investigation task under the current conditions?

    Second, Manager Liu is the manager of the credit management department of Huatong Group, and he is very depressed recently. The company's board of directors reduced the budget of the credit management department, while increasing the department's responsibilities and workload. The existing staff and working funds simply cannot carry out credit investigations on credit customers. However, without credit investigation, the Credit Management Department cannot conduct credit risk control. If there is a problem with credit risk control, Manager Liu's position as a manager will definitely be lost.

    What should Manager Liu do?

    The above content is excerpted from (ICE8000 credit survey, analysis, rating) (by Fang Bangjian, free to use, but please indicate the source)