ICE8000 International Credit Management [ICM] Certification and Supervision Standard

Chapter I General Provisions

1.1 In order to help credit practitioners improve their knowledge structure and work ability, in order to deliver intermediate credit professionals to the society, to promote the construction of credit systems around the world, promote the construction of credit systems around the world, promote social integrity, reduce transaction costs, and enhance human well-being, 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 This standard is applicable to the certification and supervision of the International Credit Manager [ICM].

1.5 The certification and supervision of the International Credit Management [ICM] follows the principles of openness, fairness, fairness and independence.

1.6 The International Credit Manager [ICM] shall not damage the legitimate rights and interests of the World Credit Organization [WCO] regardless of whether it is engaged in credit business or whether it is registered for practice.

1.7 The International Credit Management [ICM] qualification certificate is a certificate of intermediate credit professionals issued by social organizations. It proves to the society:

(1) The certificate owner once had the knowledge structure and capabilities specified in Chapter 3 of this standard;

(2) The certificate owner has the will to be honest.

1.8 The International Credit Management [ICM] Practice Certificate is a practice certificate for the credit business of the ICE8000 International Credit Standard System. It proves to the society:

(1) The certificate owner has the knowledge structure and ability as stipulated in Chapter 3 of this standard, and the relevant knowledge has been continuously updated;

(2) The certificate owner has the will to be honest;

(3) The certificate owner has promised to abide by the ICE8000 international credit standard system standards and promise to accept the supervision of the World Credit Organization [WCO].

1.9 The International Credit Manager [ICM] referred to in this standard refers to the person holding the International Credit Manager [ICM] qualification certificate.

The practice of the International Credit Manager [ICM] referred to in this standard refers to the person holding the International Credit Manager [ICM] Practice Certificate.

This standard refers to ICE8000 has established a letter to individuals, referred to as Lixin individual, refers to individuals who have obtained ICE8000 credit card, including: integrity commitment star personal, integrity hope star personal, integrity Qixing personal, integrity light star personal. ICE8000 has established a personal noun meaning equivalent to the World Credit Organization [WCO] individual member.

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.

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

1.11 All parties to this standard are deemed to have fully understood and committed to comply with all the provisions 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 Practice Principles and Professional Ethics

2.1 The practicing international credit manager [ICM] shall follow the principles of independence, neutrality, objectivity, fairness, strictness, rigorousness, prudence, legality and reasonableness in its work.

2.2 Practicing International Credit Manager [ICM] should be honest, trustworthy and diligent in its work.

2.3 Practicing International Credit Manager [ICM] should protect state secrets, trade secrets, and personal privacy in its work.

2.4 Practicing International Credit Manager [ICM] should be honest in its work, and it is strictly forbidden to ask for or obtain illegal interests or improper interests.

2.5 The practicing international credit manager [ICM] should follow the principle of originality, comprehensiveness, legibility and speed in handling credit information.

The principle of primacy means that no changes or misinterpretations of credit information can be made.

The principle of comprehensiveness means not retaining any credit information.

The principle of legibility refers to the scientific classification according to the category and urgency of credit information, and the preparation of catalogues and lists for reading and archiving.

The principle of rapidity refers to the rapid transfer of credit information.

2.6 Practicing International Credit Manager [ICM] should know or ought to know that other ICE8000 credit institutions or international credit practitioners are illegal or irregular, and should report and provide relevant information to the World Credit Organization [WCO].

When the World Credit Organization [WCO] investigates suspected violations or violations, any informed or well-informed practicing international credit manager [ICM] should actively cooperate and provide relevant information truthfully.

2.7 Practicing International Credit Manager [ICM] may not introduce customers to other credit institutions or privately introduce their clients to other credit institutions without the consent of their respective units.

The practicing international credit manager [ICM] must not use kickbacks and other unfair means to develop business.

2.8 The practicing international credit manager [ICM] shall not engage in credit business with a competitive relationship or potential competitive relationship with the World Credit Organization [WCO] within three years after losing its professional status for various reasons, and the World Credit Organization [WCO] has the right to The compliance with the obligations of the industry is checked.

A person who is qualified as an international credit manager, whether or not he is engaged in credit business, regardless of whether his or her qualification certificate is valid or not, whether or not he is practicing registration, shall not engage in acts that damage or potentially harm the legitimate rights and interests of the World Credit Organization [WCO].

2.9 After practicing the international credit manager [ICM] for various reasons, he/she should report his work to the ICE8000 credit institution and the World Credit Organization [WCO] on a quarterly basis in three years in order to prove that he has not violated the obligations of the industry. Anyone who refuses to declare or refuses to declare or refuses to cooperate with the ICE8000 credit institution and the World Credit Organization [WCO] to inspect the prohibition of inter-bank obligations shall be deemed to have breached the obligation of inter-bank prohibition.

2.10 The practicing international credit manager [ICM] is the natural person agent or legal representative of the ICE8000 credit institution, and its compliance requirements are equivalent to those of the ICE8000 credit institution.

2.11 If the practicing international credit manager [ICM] is cancelled after various reasons or changes the practice unit, the file of the outstanding case and the closed case shall be handed over to the designated personnel in accordance with the notice of the ICE8000 credit institution.

Chapter III Knowledge Structure and Capabilities

3.1 Credit knowledge that must be possessed by the International Credit Manager [ICM]:

(1) Basic knowledge of credit;

(2) ICE8000 international credit standard system;

(3) Methods to reduce and prevent the risk of loss of trust;

(4) Merchant account collection method;

(5) Credit dispute processing methods;

(6) Methods and techniques for credit investigation and analysis;

(7) Ways to improve credit;

(8) Methods of building a credible system or managing integrity;

(9) Integrity culture construction methods;

(10) Other necessary credit knowledge.

3.2 The legal knowledge that the International Credit Manager [ICM] must have:

(1) Familiar with legal basic knowledge;

(2) Understand civil law, commercial law and internationally accepted legal principles and international practices.

3.3 The knowledge of economics that must be possessed by the International Credit Manager [ICM]:

(1) Familiar with the basics of economics;

(2) Understand the principles of accounting and general accounting standards, and be able to analyze various types of financial and accounting statements and indicators.

3.4 Management knowledge required by the International Credit Manager [ICM]:

(1) Familiar with the basic knowledge of management science;

(2) Understand the main management methods and management theories.

3.5 International Credit Manager [ICM] must have the ability:

(1) Strong learning ability;

(2) Strong communication skills;

(3) Strong ability to summarize lessons learned;

(4) Strong ability to be good at different opinions;

(5) Strong independent thinking ability.

Chapter IV Qualification Examination and Qualification Certificate

4.1 In order to ensure that those who participate in the International Credit Management [ICM] Qualifying Examination have the willingness to be honest, those who sign up for the International Credit Management [ICM] Qualifying Examination should obtain the credit status of [Established Individual].

4.2 The International Credit Management [ICM] Qualifying Examination is the responsibility of the World Credit Organization [WCO]. Applicants can voluntarily participate in various types of training organized by relevant institutions before the examination, but participation in training is not a necessary condition for registration.

4.3 The focus of all test questions is determined by the requirements of Chapters 2 and 3.

4.4 The International Credit Management [ICM] Qualification Examination is divided into two examination papers, one of which is the credit knowledge and ability test; the other is the basics of economics, law, and management. The qualified scores of each subject are determined by the World Credit Organization [WCO] according to the proposition. The two subjects are qualified at the same time, that is, the International Credit Management [ICM] test, and the International Credit Management [WCO] is awarded by the World Credit Organization [ICM] [ICM] ] Qualification certificate; if the credit knowledge and ability single subject is qualified, you can apply for the International Credit Manager [ICA] qualification certificate.

4.5 The International Credit Manager [ICM] qualification certificate is valid for a long time, except in the following cases:

(1) If the certificate owner loses the [established personal] credit status, the qualification certificate will automatically expire during the loss of the credit status; if the [established personal] credit status is regained, the qualification certificate will automatically take effect.

(2) If the certificate owner does not have the willingness to act in good faith, if the infringee requests to cancel the qualification certificate, if the International Moral Court decides to cancel its qualification certificate, the qualification certificate will expire from the effective date of the decision.

Chapter V Practice Registration and Practice Certificate

5.1 Personnel who have obtained the International Credit Management [ICM] qualification certificate shall apply for internship registration to the World Credit Organization [WCO] through their unit when practicing in the ICE8000 credit institution, and the internship practice certificate shall be issued by the World Credit Organization [WCO] after registration. After one year of internship, after passing the examination of the unit, apply to the World Credit Organization [WCO] for formal practice registration, and the World Credit Organization [WCO] will issue a formal practice certificate.

Those who have obtained the International Credit Management [ICM] qualification certificate have the right to apply for internship registration to the World Credit Organization [WCO] when they engage in credit business outside the above-mentioned units, and the internship practice certificate is issued by the World Credit Organization [WCO] after registration. After one year of internship, the World Credit Organization [WCO] passed the examination and the World Credit Organization [WCO] issued a formal practice certificate.

When registering for an internship, the applicant should already have a temporary personal membership of the World Credit Organization [WCO].

When officially practicing registration, the applicant should already have a formal individual membership of the World Credit Organization [WCO].

5.2 If the International Credit Manager [ICM] first applies for practice registration, or re-applies for practice registration after one year of suspension during the practice period, a conscience oath shall be made.

5.3 The International Credit Management [ICM] applies for registration after obtaining the qualification certificate more than one year, or re-applies for practice registration after one year of suspension during the practice period. The World Credit Organization [WCO] requires it to register before the internship or internship according to the actual situation. Pass the test of continuing learning during the period.

5.4 Internship Practice International Credit Manager [ICM] has the same obligations and practice responsibilities as the officially practiced International Credit Manager [ICM], but cannot issue a separate credit instrument.

5.5 When the practicing international credit manager [ICM] changes the work unit, the registration should be changed.

5.6 When the International Credit Manager [ICM] applies for internship registration or practice registration, it shall undertake to abide by the ICE8000 international credit standard system standards and undertake to accept the supervision of the World Credit Organization [WCO].

Chapter VI Annual Inspection and Continued Learning

6.1 The International Credit Manager [ICM]'s practice certificate is tested annually.

6.2 Practicing International Credit Manager [ICM] should strengthen learning, timely and proactively update credit and other knowledge to meet the needs of work. The World Credit Organization [WCO] prepares continuing learning materials on a regular or irregular basis as needed. The practicing international credit manager [ICM] shall self-learn the relevant courses and participate in the continuing study examinations. Those who fail to participate in the continuing study examination or fail the examination shall not be allowed to register or suspend their practice status.

6.3 Continue to study the exam is generally carried out in the form of an open book. For the open book exam, the pass score is not less than 85% of the total score.

Chapter VII Integrity Impact Score

7.1 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 ability of a credit teacher to a certain extent.

7.2 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.

7.3 Integrity influence points are accumulated over a long period of time. When the International Credit Manager [ICM] changes the practice unit, the points are still valid.

Chapter VIII Liability for breach of contract and dispute resolution

8.1 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.

8.2 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.

8.3 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.

8.4 For the employee or agent of the party, violation of the moral bottom line behavior, violation of the social responsibility bottom line behavior, the aggrieved party has the right to directly investigate the corresponding responsibility, and also has the right to pursue the party's responsibility.

8.5 Violations of the provisions of this standard may and should be considered as an independent breach of contract or untrustworthy behavior. 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.

8.6 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 IX Supplementary Provisions

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

9.2 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.

9.3 All relevant parties submit various types of materials submitted to the World Credit Organization [WCO] (or ICE8000 Credit Agency) in accordance with this standard. For the copyright agreement, see the ICE8000 International Credit Standard System Document Copyright Management Standard.

9.4 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.

9.5 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, but 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/39.html .

9.6 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 for free, study, training, research, self-use, reprint, quote, 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.

9.7 The standard version number is expressed as: ICE8000-abcd, where: the front-end ICE8000 indicates that this standard is 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.

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