The writing of non-format credit documents-World Credit Organization

9.4 Writing non-form credit documents

Credit documents can be divided into format documents and non-format documents according to whether there are non-format documents,

The format of format documents has been stipulated by the World Credit Organization [WCO] in the ICE8000 standard or work instructions, such as: credit reminder letter, credit warning letter, public complaint letter, etc. It is relatively easy to write, and the author will not here Again, you can refer to the corresponding homework instructions when writing such letters.

Non-format documents are documents without format requirements. Practitioners can freely use their communication skills to determine the structure and style of writing according to the actual situation.

In credit supervision procedures such as commercial debt collection, or credit dispute handling procedures, it is often necessary for a credit officer to communicate with the parties in writing, and to write various non-format documents.

Based on the work experience, the author proposes the following writing principles and writing structure for reference.

1. Writing principles

1. If there are requirements (including opinions, the same below), there must be sufficient reasons. That is to say, when you make a request, you must explain the reasons for your claim at the same time, and the reasons should be sufficient, legal, and reasonable. If you make a request but cannot write sufficient reasons to support it, it means that you have no reason and you should give up your request.

2. Requirements and reasons should be clearly written, eye-catching, organized, and have significant correspondence. If necessary, they can be bolded or subtitled.

3. If possible, try to attach a warning clause to the request, that is, clearly tell the other party what price they will bear if they are unreasonable and do not act according to the request.

4. After the request is made, the most important thing is to reason, and the reason must be explained clearly and clearly. If you can't explain clearly or can't explain clearly, it is better not to send the letter.

5. There should be no contradiction between requirements and reasons.

6. When discussing the reasons, you should not digress, and discuss the reasons closely with the requirements, and never introduce new requirements in the reason discussion. If it is necessary to raise a new requirement, it may be considered to adjust the text structure and raise the requirement separately.

Second, "requirement (viewpoint) - facts and reasons - request (viewpoint) - warning clause" law

In this writing method, first put forward your own requirements or opinions, then discuss the facts and reasons, and then put forward your own opinions or requirements and corresponding warning clauses. This way of doing things is suitable for responding to customers' unreasonable demands.

Example:

Shantianxia Co., Ltd.:

Dear Sirs!

The credit officer has received your company's statement about ***, and submitted the statement to the creditor, and the creditor has also made a reply to the credit officer.

1. Our point of view and reasons

According to the information provided by your company and creditors, this credit advisor believes that your company's claim is unreasonable and illegal (expressed your own point of view clearly), and the reasons are as follows (state the reasons clearly and systematically):

1,

2、

Second, our requirements

Based on the above viewpoints and reasons, the credit advisor hopes that your company will fulfill the *** obligation before the *** date (clearly put forward your own requirements). If your company refuses to *** before the ** date, the credit officer will take the following measures (the warning clause is clearly stated):

1,

2、

Please consider the above comments carefully!

Signed

Third, "Factual Reasons - Requirements (Points of View) - Cautionary Clauses" Law

This writing method first discusses the facts and reasons, and then puts forward your own opinions or requirements, which is suitable for relevant units to send request letters.

Example:

***:

Dear Sirs!

During the collection of credit information, our company found that a certain unit had the following untrustworthy behavior: (clearly discuss the facts and reasons)

1,

2、

According to the "ICE8000 International Credit Standard System Untrustworthy Behavior and Responsibility Appraisal Standard", the above-mentioned untrustworthy behavior is a malicious untrustworthy behavior, and ** company is a malicious untrustworthy person. According to international practice, the business conduct of malicious and dishonest persons deserves the full attention of all stakeholders, and they should be cautious in dealing with them.

The malicious and untrustworthy behavior of *** has affected the image and integrity of *** to a certain extent, and is contrary to the spirit of ***. (Continue to discuss the reasons around the upcoming request)

As a leader of ***, you have the responsibility to promote the integrity of *** society and practice the spirit of *** (continue to discuss the reasons for the upcoming request), (clearly put forward your own request) We hope you can pay attention to* Supervise and urge untrustworthy persons to correct their untrustworthy behaviors. Otherwise, we will **** (express caution clause)

Signed

Fourth, Controversial Summary Writing Method

Summarize the views and reasons of both parties in the dispute, and then put forward your own views, which are applicable to mediation opinions, or the handling of matters with relatively large disputes and complicated cases.

Example:

Tian** Company:

Empty *** company:

Dear Sirs!

The opinions and statements of your two companies on the *** incident have been carefully considered by the creditor, and this opinion is hereby issued in accordance with Chinese laws and international practices.

1. Tian** Company's claims and reasons

1,

2、

2. Air *** company's claims and reasons

1,

2、

3. Facts that are not in dispute

1,

2、

Fourth, the disputed facts

1,

2、

V. Opinions and reasons of the credit counselor

1,

2、

The above comments are for reference only!

Signed

The above content is excerpted from "Building an Integrity Unit - ICE8000 Integrity Management" (written by Fang Bangjian, free to use, but please indicate the source)