ICE8000 internal reference credit information management standard

Chapter I General Provisions

1.1 In order to strengthen the effective management of internal reference credit information, properly preserve and disseminate internal reference credit information, the World Credit Organization [WCO] develops this standard in accordance with internationally accepted legal principles and international practices.

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 internal reference credit information referred to in this standard refers to credit information that is not publicly disclosed and is only used for reference by specific units and individuals.

The release referred to in this standard refers to the submission or filing of credit information and related materials to the ICE8000 credit institution or the World Credit Organization [WCO].

This standard refers to ICE8000 has established a letter, also known as ICE8000 integrity organization, referred to as [established letter organization], [integrity organization], refers to the unit that has accepted the supervision of the World Credit Organization [WCO] and has passed the ICE8000 international credit standard system integrity certification. , individuals, regions, including: integrity commitment star personal, integrity commitment star unit, integrity commitment star region, integrity hope star personal, integrity Qixing personal, integrity light star personal, integrity hope star unit, integrity Qixing unit, integrity light star Unit, Integrity Hope Star Area, Integrity Qixing Area, Integrity Light Star Area. The term [established letter organization] has the same meaning as the World Credit Organization [WCO] member, and is equivalent to the unit, individual or region that has obtained the ICE8000 credit card.

The so-called ICE8000 credit file organization referred to in this standard, referred to as [credit file organization], refers to the unit, individual or region that has established a credit file but has not obtained the ICE8000 credit card.

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 is awarded the World Credit Organization. [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 management of internal reference credit information.

1.6 The management of internal reference credit information follows the principles of objectivity, fairness, confidentiality and legality.

1.7 World Credit Organization [WCO] only faithfully records internal reference credit information, and does not review internal reference credit information. The information content is only for reference by relevant parties. The legal responsibility and consequences arising from internal reference credit information are borne by the relevant parties. The World Credit Organization [WCO] does not assume legal responsibility for this, except for evidence that the World Credit Organization [WCO] is at fault.

1.8 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.

1.9 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.

Chapter II Internal Reference Credit Information Release and Source Credibility

2.1 Release of internal reference credit information:

(1) World Credit Organization [WCO] members have the right to directly issue internal reference credit information;

(2) Non-members issuing internal reference credit information shall be conducted through the ICE8000 credit institution.

2.2 People should make the following commitments when publishing internal reference credit information:

(1) Committed to comply with the “Certificate of Internal Reference Credit Information Management of ICE8000 International Credit Standard System”;

(2) Commit to comply with the principle of good faith, moral bottom line, and social responsibility bottom line to publish internal reference credit information;

(3) If you violate the above commitment, you are willing to bear the liability for breach of contract.

2.3 After the internal reference credit information is released, the issuer has the right to entrust the ICE8000 credit institution to send the “internal reference credit information filing and rights notice” to the recorded person.

2.4 The source credibility level of the internal reference credit information is the same as the original document credibility level of the issuer's credit ID card. For information whose source credibility level is contingent and more credible, due to the possibility of the publisher's identity being inaccurate, the parties are required to pay full attention to the authenticity of the information.

The information published by the World Credit Organization [WCO] or ICE8000 credit institution is generally a credible level or a more credible level. If the World Credit Organization [WCO] or ICE8000 credit institution cannot guarantee the identity of the original information provider, it should be determined as contingent level.

Chapter III Objection, Supplement, Correction, and Reply of Internal Reference Credit Information

3.1 People have the right to dissent, supplement, correct, and reply in accordance with the “ICE8000 International Credit Standard System Credit Information Adding Standard”.

3.2 If the information is recorded by the relevant party and other parties within 7 working days after knowing or ought to be aware of the internal reference credit information, if there is any objection, it should be raised. Otherwise, it is deemed to have no objection. If the party concerned exercises the right of dissent, it shall bear the corresponding consequences.

Chapter IV Internal Reference Credit Information Dissemination and Use

4.1 When the information publisher publishes the information, the secret level of the internal reference credit information is selected as: top secret, confidential level, secret level information.

Confidential internal reference credit information shall not be publicly disclosed, only for information publishers (or their authorized units or individuals), recorded persons (or their authorized units or individuals), [established organizations], and other confidentiality commitments. Unit or individual access.

Confidential internal reference credit information shall not be publicly disclosed, and may only be viewed by the information publisher (or its authorized unit or individual), the recorded person (or its authorized unit or individual), or [established organization].

Top secret internal reference credit information shall not be publicly disclosed, and may only be accessed by the information publisher (or its authorized unit or individual), the recorded person (or its authorized unit or individual), the World Credit Organization [WCO], and the ICE8000 credit institution.

4.2 For internal reference credit information, the reviewer shall make the following commitments and warranties, and attach a conscience vow clause:

(1) Promises to read the applicable standards of this information and promise to abide by the standard;

(2) Ensure that you are in compliance with the scope of this information and have the right to read this information;

(3) Commit to the principle of good faith, moral bottom line, and social responsibility bottom line to use this information to ensure that this information is not used for improper purposes;

(4) For confidential information, promise to keep the information confidential and ensure that it is not transmitted to units or individuals who do not have the right to read this information;

(5) If you violate the above commitments and guarantees, you are willing to bear the corresponding liability for breach of contract according to the ICE8000 international credit standard system.

4.3 No one may obtain, consult or disseminate internal reference credit information by illegal means or by improper means.

No one may use internal reference credit information for improper purposes.

The internal reference credit information shall not be used as evidence of litigation, administrative punishment or related activities without the written permission of the party with internal reference credit information, except for units or individuals directly related to the content of the information.

4.4 Reading internal reference credit information, attention should be paid to the information source credibility and objection information, supplementary information, correction information, reply information and other supplementary information; dissemination of internal reference credit information should indicate the source of trust and objection information, Additional information, correction information, reply information, etc.

Objection information, supplementary information, corrections, replies, etc., are dynamic, but they are part of the internal reference credit information and should not be interpreted or taken out of context.

4.5 [Accepted Organization] The inquiry of internal reference credit information is limited to self-use and may not be circulated or distributed to others. ICE8000 credit institutions' inquiries on internal reference credit information are limited to credit practice, such as credit investigation, credit rating, and credit evaluation.

Internal reference credit information In credit reports or other materials, information of a source's credibility or level may only be disclosed as a contingent event, clearly indicating to the user that such information is for reference only, and its source authenticity has not been Verify.

All types of credit information that have been deleted are exclusive internal reference credit information, which are only for ICE8000 credit institutions. Unless it is necessary, the ICE8000 credit institution may not disclose it. If it is disclosed, it should be approved by the person in charge of the ICE8000 credit institution. The raise is a top secret level and the corresponding alert should be given to the inquirer.

4.6 Credit reports or other materials containing internal reference credit information shall be indicated as a secret level, clearly indicating the user's obligation to keep confidential and the scope of circulation of the material, and attaching the CS clause and the conscience oath clause. Internal reference credit information is attached to credit reports or other materials as necessary to facilitate confidentiality.

4.7 World Credit Organization [WCO] classifies internal reference credit information according to the nature and source of information, and sets different query conditions for different types of internal reference credit information. The query conditions are set by the relevant ICE8000 standard of this category, and the relevant ICE8000 standard If it is not set, it shall be in accordance with the provisions of this standard.

Chapter V Deletion of Internal Reference Credit Information

5.1 After the internal reference credit information is released, the recorded person, ICE8000 credit institution, and World Credit Organization [WCO] are not entitled to delete unless one of the following conditions exists:

(1) The information publisher deletes the information or the ICE8000 credit institution deletes the information according to the written cancellation notice of the information publisher;

(2) The recorded person has repaired the credit record, and the repair method can be found in the ICE8000 International Credit Standard System Bad Credit Record Repair Standard;

(3) The information is deleted by the World Credit Organization [WCO] International Credit Dispute Arbitration Commission or the International Moral Court;

(4) The credit responsibility of the recorded person has been pardoned, and the relevant stipulations of the ICE8000 International Credit Standard System Credit Relief Standards are available.

(5) The relevant court or relevant agency decides to delete the credit information, and the World Credit Organization [WCO] reviewed that the ruling does not violate the universal universal value principle.

5.2 After the internal reference credit information is deleted, the objection information, supplementary information, correction information, and reply information related to it are deleted from the information at the same time.

Chapter VI Liability for breach of contract and method of investigation

6.1 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.

6.2 Method of investigation of liability for breach of contract:

(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.

6.3 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.

6.4 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.

6.5 For the employees or agents who participate in, execute, or assist the parties to breach the contract, the aggrieved party has the right to pursue its corresponding responsibility unless it proves that it is not at fault.

6.6 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 VII Supplementary Provisions

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

7.2 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.

7.3 All kinds of materials submitted by the relevant parties to the World Credit Organization [WCO] (or ICE8000 Credit Agency) in accordance with this standard, the copyright agreement of which is set out in the ICE8000 International Credit Standard System Document Copyright Management Standard.

7.4 If all parties concerned 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 submit a written objection to this non-compliance in a timely manner, 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.

7.5 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/10.html .

7.6 The copyright of this standard belongs to the World Credit Organization [WCO], members can use it free of charge for free; 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.

7.7 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, 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.

7.8 This standard is interpreted by the World Credit Organization [WCO].