Credit evaluation industry product overview

Welcome,ice8000.org! To prevent counterfeiting, please look for the domain name: www.ice8000.org. Our mission: to promote social integrity, reduce transaction costs, enhance human well-being, and promote human integrity and progress. This online media is an online media sponsored by four units including the World Credit Organization [WCO], the International Moral Court [IMC], the World Integrity Organization [WIO], and the International Credit Dispute Arbitration Commission [ICDAC]. The name of this media is the International Credit Supervision Network, which can also be called the International Credit Standard Network, the International Credit Supervision Network, and the International Credit Standard Network. The ICE8000 standard is a standard to test whether a unit or an individual is truly honest.。

Credit evaluation company founding column

The original documents of this website are written in Chinese. Our translation may not be accurate. If you know Chinese, you are advised to read the Chinese website directly.

Credit evaluation industry product overview

Important reminder: Someone asked about the business model and profit model of the credit evaluation company? The business model and profit model of a credit evaluation company is to provide customers with credit evaluation services and then charge service fees or commissions. There are many kinds of credit evaluation services, you can take a look, there is always a credit service that is suitable for you to start a business. When you decide to join us, we will also choose the main credit service and make suggestions for you according to your actual situation.

For the convenience of expression, the author refers to the service of the credit evaluation industry as the product. The classification of credit evaluation industry products can be seen in the table below:

1. Commercial credit products and public welfare credit products

Commercial credit products generally charge fees to credit service objects, and the profits generated from the fees are used to distribute to credit company shareholders. Public welfare credit products generally do not charge fees to credit service objects, and the fees are borne by the World Credit Organization [WCO].

2. Basic credit products and extended credit products

Basic credit products refer to services that meet people's two basic needs of reducing credit risk and improving credibility.

Extended credit products refer to services extended from basic credit services or financial services.

Third, the concept of establishing credit and credit investigation

According to the purpose of the client, credit products can be divided into Lixin products and credit investigation products. Lixin refers to the sum of behaviors that an organization entrusts a third-party credit agency to conduct credit investigation and evaluation of its own credit situation in order to establish its own credibility. Credit investigation refers to the sum of behaviors that an organization entrusts a third-party credit agency to investigate and evaluate the credit status of its customers and partners in order to reduce credit risk.

The difference between Lixin and credit investigation is:

1. The commissioning purposes of the two are different. The purpose of the former entrustment is to establish its own credibility and improve the level of credit management, while the purpose of the latter entrustment is to reduce credit risk.

2. The objects of credit work are different. The object of the former credit work is the client itself; the object of the latter credit work is the client or partner of the client.

3. The focus of credit services is different. The focus of the former credit service is credit evaluation, while the focus of the latter credit service is credit investigation.

However, it needs to be pointed out that the classification of Lixin and credit investigation is only conceptual and not absolute, because the business of Lixin includes factors of credit investigation, and the business of credit investigation also includes factors of Lixin.

Are Lixin's results credible? At present, the main products of Fong's Trust are credit rating and credit evaluation. Since the units subject to credit ratings pay fees to credit agencies for Fong’s products, many people in China have questioned this: Will credit companies charge fees to companies subject to ratings, will it affect the fairness and objectivity of their credit ratings? From a practical point of view, since each credit evaluation result is released, it is when the credit institution accepts the market test. Once people find that the credit institution has no self-interest and fails to make a fair and objective report, the foundation established by the credit institution has been established for a long time. , It is tantamount to declaring collapse, and false analysis and reports may lead to serious litigation troubles and losses. Therefore, the motivation of credit institutions to maintain goodwill and credibility is far higher than the interests of false evaluations. Looking back at history, there have been no major collusion incidents among major credit institutions in the world, which shows that the reputation effect has produced a good self-regulatory mechanism in this industry. However, many experts also pointed out that this kind of market-oriented self-discipline mechanism may not be effective for credit evaluation agencies that have no property rights or are guaranteed by other people's credit (such as: national credit). It also proves this point.

4. Traditional credit products and ICE8000 credit products

According to the history of credit products, credit products can be divided into traditional credit products and ICE8000 credit products.

1. Traditional credit products

The credit business that existed before the release of the ICE8000 international credit standard, we call it traditional credit products. For traditional credit products, the World Credit Organization [WCO] has the following actions:

On the one hand, in order to help practitioners learn and master the working procedures, work content, and work priorities of this type of service, and to standardize their practice behavior, the World Credit Organization [WCO], in the ICE8000 international credit standard system, provides for each traditional credit product Standards have been formulated, and corresponding work instructions have been formulated according to the needs of ICE8000 credit institutions.

On the other hand, the World Credit Organization [WCO] added some innovative elements to these product and service standards on the basis of studying the law of product service development and combining social reality. For example, in the credit investigation standard, the investigation method of investigation and investigation is added; in the credit commercial account collection standard, the credit commercial account collection service is effectively combined with the ICE8000 credit information dissemination mechanism and dispute handling mechanism, which greatly increases The strength of credit threats and credit penalties can also help debtors eliminate subjective misunderstandings or objective disputes; in the credit file management standard, the credit file service is effectively combined with the ICE8000 credit information dissemination mechanism and dispute handling mechanism, so that at the same time The credibility and speed of dissemination of credit information are guaranteed.

2. ICE8000 products

In the ICE8000 international credit standard, some products are innovated by the World Credit Organization [WCO]. These products are all innovated by the World Credit Organization [WCO] in combination with social needs and on the basis of internationally accepted legal principles and international practices. They do not violate the mandatory laws of China and most countries, and have international universality. . In addition, for these services, the World Credit Organization [WCO] has produced work instructions according to the needs of ICE8000 credit institutions, which are highly operable.

V. Basic credit products for credit investigation

1. Credit investigation

Credit investigation is the most basic credit product, and it is also the beginning of the development of the credit evaluation industry. The service content of this product is mainly: a credit agency is entrusted by a certain organization to investigate the credit situation of another organization, and after the investigation, issue a credit investigation report to the client.

The value of credit investigation products to customers: it helps customers understand the credit situation of relevant organizations to prevent the risk of dishonesty.

The object of collection of credit investigation products is generally the client.

2. Credit reference file

The service content of credit investigation and credit archives is mainly: credit institutions collect, organize and store the credit information of organizations, and establish credit files for the organization for inquiry.

The value of the credit file service lies in two aspects:

On the one hand, it provides credit information for commercial organizations to carry out credit sales activities or financial institutions to carry out loan activities, and also helps employers understand the credit status of applicants, or meets the needs of state agencies and other organizations to inquire about organizational credit information;

On the other hand, it helps the recorded person of the file to save and manage their own credit information, so that potential customers can obtain it in a timely manner, and thus obtain the choice of potential customers. For example, more and more organizations actively provide their credit information and financial data to the World Credit Organization [WCO] or Dun & Bradstreet and other credit institutions that carry out credit file service, so as to facilitate their potential customers to inquire about their credit records. Organizations with a high awareness of risk of dishonesty or with a certain quality of credit management are always vigilant and uneasy about organizations with bad credit records and incomplete credit records.

The object of charging for the credit investigation and credit file service is generally the information inquirer, even if the recordee of the file inquires about his own credit file, he still needs to pay. There are also some credit reference files that are free or charged only for specific objects.

3. Credit evaluation (credit evaluation)

Credit evaluation is also called credit evaluation, and its service content is mainly: credit institutions evaluate the credit status of an organization such as repayment ability and contract performance ability, and issue evaluation reports or evaluation opinions. Credit evaluation generally needs to first investigate the identity information of the evaluated object and obtain its financial information or consumption records, and then judge its future repayment ability and contract performance ability based on financial analysis methods and other means.

The value of credit evaluation services lies in the following two aspects:

On the one hand, for the stakeholders of the appraised object, the credit appraisal report or appraisal opinion is a kind of professionally processed credit information, which has high readability and reference value, and can help them prevent or reduce credit risks.

On the other hand, for the evaluated object, the credit evaluation report or evaluation opinion can improve its credibility, or help it discover and improve its own deficiencies.

The object of charge for credit evaluation services is generally the interested person of the object being evaluated, and sometimes the object being evaluated.

6. Basic Credit Products of Lixin

1, (securities) credit rating

The service content of (securities) credit rating is mainly: credit institutions evaluate the possibility of paying the interest of a bond (or other securities) on time and in full, and the possibility of repaying the principal of the debt when it is due. Finally, quantitative judgments or formal opinions are issued, and specific rating symbols (such as: AAA, BB, etc.) are used to assign credit ratings to the assessed securities.

The (securities) credit rating service is aimed at the securities market and the majority of investors. It emerged in the United States. So far, the practical system and academic research of the global (securities) credit rating is still dominated by the United States. As the flow of funds in the international financial market shifts from the banking sector to the capital market, the (securities) credit rating activities that were originally limited to the United States have also become active in other countries. Companies or governments that want to issue bonds must disclose their credit ratings to the investing public in order to obtain funds smoothly, so most of them will request ratings from credit rating companies. However, whether to have the evaluation results of credit rating companies is not a necessary condition for issuing bonds after all. Still some companies are unwilling to pay to request a rating. Different credit rating agencies have different policies on whether to conduct (securities) credit ratings for companies or governments that have not actively applied for (securities) credit ratings. Standard & Poor's and Moody's rate all taxable bonds registered with the Securities and Exchange Commission in the United States, regardless of whether they apply for rating or pay rating fees. But for structured securities or foreign bonds that have not been rated, Standard & Poor's and Moody's have different practices. The former does not give ratings, but Moody's still analyzes the ratings for the most part.

Obviously, the focus of (securities) credit rating is also the repayment ability or performance ability. (Securities) credit rating is essentially a type of credit evaluation service. Due to the development of the capital market, resulting in (Securities) credit rating business has a large volume, great influence, and strong professionalism, so it is separated from the credit evaluation business.

The value of (securities) credit rating services lies in the following three aspects:

First, the subject of credit rating can prove to investors the repayment ability of their own securities by showing the results of (securities) credit rating, so as to better issue their own bonds or other securities.

Second, investors can refer to (securities) credit rating results and select securities with corresponding credit ratings and issuance prices to anticipate or guarantee their own investment returns.

Third, securities management agencies or stock exchanges can refer to (securities) credit rating results to supervise securities issuers.

(Securities) credit ratings are subject to the credit rating object, that is, the unit that issues bonds or other securities. According to the "Securities Law", (securities) credit rating is currently an administrative licensing service in my country, and it needs to be approved by the securities regulatory agency of the State Council before it can carry out this business.

2. (Subject) Credit Rating

The service content of (subject) credit rating is mainly: credit institutions evaluate the credit status of an organization (but not the bonds or other securities issued by the organization) such as repayment ability and performance ability, and use specific rating symbols (such as: AAA, BB, etc.) assign credit ratings to the assessed objects.

(Subject) credit rating is divided into unit credit rating, individual credit rating, and sovereign credit rating according to the identity of the evaluated object.

Sovereign credit rating refers to the evaluation by credit rating agencies on the credit willingness and credit ability of a country's government as a debtor to fulfill its debt repayment obligations.

The value of (subject) credit rating services includes the following two aspects:

On the one hand, for the rated objects, the rating results can be displayed externally to improve their credibility;

On the other hand, for the stakeholders of the rated object, the risk can be controlled by referring to the rating results.

(Subject) Credit rating services are charged for the rated objects.

Obviously, (entity) credit rating focuses on repayment ability and performance ability, which is essentially a kind of credit evaluation service. The main difference between it and the credit evaluation service is that it charges a fee from the rated object; it mainly uses rating symbols to represent the evaluation results.

It should be emphasized that the credit ratings carried out by many domestic credit companies are generally (subject) credit ratings. It can also be said that (subject) credit ratings are a product with Chinese characteristics, and there are few such credit products in Western countries. . However, the credit ratings studied in many domestic credit books or credit papers, as well as news published in the media about an international credit rating agency adjusting the credit rating of a certain company, generally refer to (securities) credit ratings. This makes people's understanding of credit ratings vague or confusing.

The ICE8000 system has also formulated (subject) credit rating standards, but the emphasis has been on the evaluation of honesty and will and follow-up supervision. ICE8000 (subject) credit rating standards can be understood as ICE8000 unit Lixin credit files and supervision + analysis of financial data in the past three years + Verification of monetary funds for the past three years.

3. ICE8000 Personal Lixin Credit File and Personal Integrity Rating

The service content of the personal Lixin credit file is mainly: the credit agency will investigate and verify the applicant's identity certificate and/or academic certificate and other matters requested by the applicant according to the individual's file application and integrity commitment, and the application will be issued after verification The individual establishes a personal credit file, and the World Credit Organization [WCO] issues an ICE8000 credit certificate of personal honor.

After the establishment of a personal credit file, the World Credit Organization [WCO] evaluates the personal integrity level for the individual who has established a credit. It is dynamically adjusted according to changes in personal identity and credit history.

For individuals who have established credit, the value of personal credit file services mainly lies in the following four aspects:

First, the individual has established a trust to prove the authenticity of his identity and/or academic qualifications to the outside world;

Second, the individual who has established a trust proves to the outside world that he has the willingness to be honest, and if there is a breach of trust, he will be punished by credit;

Third, individuals who have established trust can accumulate integrity and manage their own credit records, and authorize stakeholders to inquire;

Fourth, individuals who have established trust can use the ICE8000 dispute resolution mechanism to handle disputes between themselves and interested parties to protect their legitimate rights and interests.

For employers who have established personal credit, the value of personal credit file service mainly lies in the following three aspects:

First, reward employees with credit to improve their loyalty to the unit;

Second, identify the integrity of employees and prevent the risk of employee dishonesty;

Third, when there is a dispute with an employee, the ICE8000 dispute resolution mechanism can be used to resolve the dispute between the unit and the established individual to protect the legitimate rights and interests of the unit.

For other stakeholders who have established credit cards, such as credit card issuers and installment credit merchants, the value of personal credit file services mainly lies in the following three aspects:

First, provide credit rewards to customers to improve customer loyalty to the unit;

Second, identify the integrity of customers and prevent the risk of customer dishonesty;

Third, when there is a dispute with a customer, the ICE8000 dispute handling mechanism can be used to handle the dispute between the unit and the established individual to protect the legitimate rights and interests of the unit.

The charging object of the personal credit file service is generally the individual, the employer or other interested parties who have established the credit.

4. ICE8000 Unit Lixin Credit Archives and Supervision

The service content of the unit Lixin credit file is mainly: the credit institution shall, according to the unit's filing application and integrity commitment, verify the unit's registration certificate (or other legal documents proving its legal establishment), the identity of the applicant unit's legal representative and senior management personnel Certificates and/or academic certificates and other matters required by the applicant to investigate and verify, conduct investigation and verification, and establish unit credit files for the applicant after verification (at the same time establish personal credit files for executives), and the World Credit Organization [WCO] Issuing ICE8000 honorary certificate of established units.

The value of Fong's credit file service to customers mainly lies in the following five aspects:

First, the established trust unit proves the legitimacy and authenticity of its existence to the outside world;

Second, the trustworthy unit proves to the outside world the authenticity of the identity of the executive;

Third, the trustworthy unit proves to the outside world that it has the willingness to be honest. If there is a breach of trust, the unit, executives and other faulty staff will be punished by credit;

Fourth, established credit units can accumulate integrity and manage their own credit records, and authorize stakeholders to inquire or openly inquire to the public;

Fifth, established trust units can use the ICE8000 dispute resolution mechanism to handle disputes between themselves and interested parties to protect their legitimate rights and interests.

The object of charging for the credit file service of a unit is generally a unit that has established a credit or other interested parties.

5. Integrity rating and supervision of ICE8000 units

The service content of integrity rating mainly includes: credit institutions, based on the application for integrity rating and integrity commitment of the unit, will issue the unit's registration certificate (or other legal documents proving its legal establishment), the legal representative of the applicant unit, the identity certificates of all employees and \ Or academic certificates and other matters required by the applicant unit to investigate and verify. After verification, establish a unit credit file for the applicant unit (at the same time establish a personal credit file for employees), and then help the applicant unit establish the credit management system required by the ICE8000 system. Adapt to its integrity commitment, and finally evaluate its integrity level according to the integrity commitment of the applicant unit, and the World Credit Organization [WCO] will issue an ICE8000 integrity unit honorary certificate. The integrity level of the unit focuses on and reflects the integrity of the unit, and does not pay attention to the ability of the unit to repay the debt and perform the contract. This level is dynamically adjusted according to the change of the unit's integrity commitment and credit record.

The value of integrity rating service to customers mainly lies in the following five aspects:

First, to prove to the outside world the legitimacy and authenticity of the existence of this unit;

Second, to prove to the outside world the authenticity of the identities of the executives and employees of the unit;

Third, to prove to the outside world that the unit has the willingness to be honest. If dishonesty occurs, the unit, executives and other faulty staff will be punished by credit;

Fourth, you can accumulate integrity and manage your own credit records, and authorize stakeholders to inquire or open inquiries to the public;

Fifth, you can use the ICE8000 dispute resolution mechanism to handle disputes between your unit and interested parties and protect your unit's legitimate rights and interests;

Sixth, through the establishment of the credit management system required by the ICE8000 system, the management level can be improved, the ability to prevent the risk of dishonesty can be enhanced, and the sustainable development of the unit can be realized.

The object of fee collection for entity integrity rating service is generally the entity being rated.

6. ICE8000 Credit Evaluation and Supervision

Credit rating is also called ICE8000 International Integrity Certification, ICE8000 Integrity Unit Assessment, ICE8000 Integrity Certification, ICE8000 Assessment. The service content of ICE8000 integrity rating mainly includes: investigating and verifying the identity of the applicant unit and its legal representative and other employees, and establishing unit and individual credit files; investigating and verifying the integrity performance of the applicant unit in the most recent year; Integrity willingness of the unit; evaluation of the integrity management ability of the organization; through the evaluation process, help the applicant to fully identify the risk of dishonesty, and establish a comprehensive integrity management system to improve the organization's ability to prevent the risk of dishonesty; the World Credit Organization [WCO] passed the assessment The unit issues the honorary certificate of integrity unit, and conducts tracking and supervision of its credit performance.

The value of credit rating service to customers mainly lies in the following five aspects:

First, to prove to the outside world the legitimacy and authenticity of the existence of this unit;

Second, to prove to the outside world the authenticity of the identities of the executives and employees of the unit;

Third, to prove to the outside world that you have the willingness to be honest. In case of dishonesty, the unit, executives and other faulty staff will be punished by credit;

Fourth, you can accumulate integrity and manage your own credit records, and authorize stakeholders to inquire or open inquiries to the public;

Fifth, you can use the ICE8000 dispute resolution mechanism to handle disputes between yourself and interested parties to protect your legitimate rights and interests;

Sixth, through the comprehensive identification of dishonesty risks and the establishment of a credit management system, the management level can be comprehensively improved, the ability to prevent dishonesty risks can be enhanced, and the sustainable development of the unit can be realized.

Seventh, prove to the outside world that the unit has not had any major dishonesty in previous years.

The object of fee collection for unit credit rating services is generally the unit being rated.

7. Non-financial extended credit products

1. Credit merchant debt collection

The service content of credit commercial account collection mainly includes: credit institutions accept the organization's entrustment, and use credit threat or credit punishment to collect accounts.

Compared with legal service agencies, credit agencies mainly use credit threats and credit penalties as means of collecting commercial debts, and seldom use legal means of litigation. Of course, credit agencies do not refuse to use legal means, and will use the results of legal actions as the basis for increasing credit penalties for debtors. With the popularization of Internet technology, the dissemination of credit information has become more and more rapid. If the debtor refuses to repay the loan without justified reasons, it means that he is recorded as a malicious dishonest person in the ICE8000 credit database. Organizations and individuals all over the world can be easily inquired about. As a result, all organizations in the world with a high awareness of risk of dishonesty or a certain quality of credit management will not or seldom have economic transactions with organizations listed in the "Malicious Debtor List". This method minimizes the development space of debt-debt enterprises, and eventually forces debt-debt enterprises to repay their debts or pay a painful price for it.

The value of credit commercial debt collection service to customers is: after the debt collection process is started, if the debtor repays the loan, the service will help the creditor realize the claim; If the debtor refuses to repay the loan without justified reasons, he will be included in the list of malicious dishonesty and subject to credit punishment. This kind of credit punishment can also bring certain psychological compensation to the creditor, and this kind of credit punishment can also help other organizations prevent dishonesty risk.

Creditors are the object of payment for the collection service of credit commercial accounts.

2. Credit Management Consulting

The service content of credit management consulting mainly includes: credit institutions help organizations identify dishonesty risks andPropose corresponding solutions. At present, my country's enterprises have poor credit management awareness and backward management level. Due to the inability to prevent internal and external dishonesty risks, enterprises lack competitiveness, and even fall into difficulties or go bankrupt.

The value of credit management consulting services to customers is: to help customers identify and prevent dishonesty risks, improve customers' credit management level, and help customers achieve sustainable development.

The object of charging for credit management consulting services is the organization that requests the consulting service.

It should be pointed out that credit management consulting is a credit product with high difficulty and high technical content.

3. Credit Training

The service content of credit training mainly includes: credit institutions train credit professionals and publicize credit knowledge, and also include internal training for enterprises to help enterprises improve certain credit management skills.

The value of credit training services to customers lies in imparting credit knowledge to customers and improving their work skills.

The object of charging for credit training is the unit or individual participating in the training.

4. Credit Guarantee

The main content of credit guarantee services is: credit institutions provide guarantees for the organization's loans or credit sales contracts after evaluating the organization or requiring the organization to provide counter-guarantee according to the organization's application. If the organization fails to repay according to the loan or credit sales contract, the credit institution shall undertake the repayment obligation according to the guarantee contract.

The value of credit guarantee service to customers is: to help customers obtain loans, sell goods on credit or other benefits.

The object of payment for credit guarantee services is generally the guaranteed party.

5. ICE8000 Integrity Guarantee

The main content of the honesty will guarantee service: credit institutions will provide guarantees for the organization's honesty and will after the organization establishes the ICE8000 Lixin credit file or meets other conditions according to the organization's application. If the organization breaches the contract, the credit agency will urge it to perform the contract. If the organization has a breach of trust, the credit agency will help the victim to punish the organization for credit and hold the organization accountable. The credit institution shall not undertake the repayment obligation for the organization's breach of contract.

The value of honesty and willingness guarantee service to customers is: to prove to the organization's stakeholders that the organization has honesty and willingness, so as to dispel the uneasiness of the stakeholders.

The object of fee collection for the good faith guarantee service is generally the guaranteed party.

6. ICE8000 Contract Credit Evaluation and Supervision

The main content of contract credit evaluation and supervision services: credit agencies identify the risks of contract dishonesty based on the application of the parties and put forward suggestions for improvement. The ICE8000 dispute resolution mechanism handles the disputes between the two parties and investigates the credit responsibility of the dishonest party.

The value of contract credit evaluation and supervision services to customers lies in:

First, prevent contract risks and avoid contract fraud, contract fraud, and contract traps;

Second, use the ICE8000 dispute handling mechanism to handle the disputes between the two parties.

The object of charging for contract credit evaluation and supervision services is both parties to the contract or one of the parties.

7. ICE8000 Advertising Credit Evaluation and Supervision

The main content of advertising credit evaluation and supervision services: credit institutions review the legality of advertisements based on the application of advertisers, identify the risk of untrustworthiness in advertisements and make suggestions for improvement. For the record, when an advertiser has a dispute with a customer due to the content of the advertisement, the ICE8000 dispute resolution mechanism is used to resolve the dispute between the two parties, and the creditworthiness of the dishonest party is held accountable.

The value of advertising credit evaluation and supervision services to customers lies in:

First, improve the credibility of the advertisement;

Second, use the ICE8000 dispute resolution mechanism to handle the disputes between advertisers and customers over advertisements.

Advertisers are charged for advertising credit evaluation and monitoring services.

8. ICE8000 Intellectual Property and Intangible Assets Credit Protection

The content of credit protection services for intellectual property rights and intangible assets is mainly: the credit institution confirms or records the intellectual property rights and intangible assets owned by the applicant, and then the World Credit Organization [WCO] issues a credit protection announcement and issues a credit protection certificate. Infringers who violate honest business ethics shall be punished by credit. At present, in the ICE8000 international credit standard, there are 12 credit protection standards, respectively: website name, exhibition name, special name, work name, unit name, trademark (logo), patent, copyright, creativity, well-known name (logo) ), names and portraits of celebrities for credit protection.

The value of intellectual property and intangible asset credit protection services to customers is: to use the credit system to add a protection lock to one's own intellectual property and intangible assets.

The object of charging for intellectual property and intangible asset credit protection services is the unit or individual applying for credit protection.

9. ICE8000 Internal Complaint

The content of the internal complaint service is: the credit institution writes relevant documents on behalf of the client according to the entrustment of the client, and in the name of the client or the credit institution, makes an internal complaint against the dishonest person designated by the client in accordance with the "Internal Complaint Standard of ICE8000 International Credit Standard System".

The value to customers is: to help the client to make internal complaints, so as to punish the dishonest person with credit.

The object of charging for internal complaint service is the client. It should be noted that if the party concerned does not entrust a credit institution, but publishes the internal complaint information by himself, he does not need to pay the fee.

10. ICE8000 Public Complaint

The content of the public complaint service is: the credit institution, according to the entrustment of the party, writes relevant documents on behalf of the party, and in the name of the party or the credit institution, makes a public complaint against the dishonest person designated by the party in accordance with the "ICE8000 International Credit Standard System Public Complaint Standard".

The value to customers is: to help clients make public complaints, so as to punish dishonest persons with credit.

The object of public complaint service charging is the client. It should be noted that if the party concerned does not entrust a credit institution, but releases the public complaint information by himself, he does not need to pay the fee.

11. ICE8000 credit warning

The content of the credit early warning service is: the credit agency, according to the entrustment of the party, writes relevant documents on behalf of the party, and in the name of the party or the credit agency, conducts a credit early warning on the untrustworthy person designated by the party in accordance with the "ICE8000 International Credit Standard System Credit Early Warning Standard".

The value to customers is: to help clients to carry out credit warning, so as to carry out credit punishment on dishonest persons.

The object of charging for the credit warning service is the client. What needs to be explained is that if the parties concerned do not entrust credit institutions, but issue credit warning information by themselves, they do not need to pay fees.

12. Public exposure of ICE8000

The content of the public exposure service is: according to the client's entrustment, the credit institution writes relevant documents on behalf of the client, and in the name of the client or the credit institution, publicly exposes the dishonest person designated by the client according to the "ICE8000 International Credit Standard System Public Exposure Standard".

The value to customers is: to help the client to make public exposure, so as to punish the dishonest person with credit.

The public exposure service charge object is the client. It should be noted that if the parties concerned do not entrust a credit institution, but release the publicly exposed information by themselves, they do not need to pay fees.

13. ICE8000 Public Statement

The content of the public statement service is: the credit institution writes relevant documents on behalf of the client according to the entrustment of the client, and issues a public statement on a specific matter in the name of the client or the credit institution in accordance with the "ICE8000 International Credit Standard System Public Statement Information Management Standard", Such as: a solemn statement.

The value to customers is: to help clients release public statement information to prevent the risk of dishonesty.

Publicly declare that the object of charging for the service is the client. It should be noted that if the party concerned does not entrust a credit institution, but releases the public statement information by itself, there is no need to pay the fee.

14. ICE8000 Credit Information Exchange

The content of the credit information exchange service is as follows: credit institutions, according to the entrustment of the parties, write relevant documents on behalf of the parties, and publish credit exchange information in the name of the parties in accordance with the "ICE8000 International Credit Standard System Credit Information Exchange Standard".

The value to customers is: to help clients publish credit information exchange information and obtain the authority to view exchange credit information.

The object of charging for the credit information exchange service is the client. It should be noted that if the parties concerned do not entrust a credit agency, but publish credit information exchange information by themselves, they do not need to pay fees.

15. ICE8000 Integrity Behavior Identification

The content of the integrity behavior appraisal service is: the credit institution issues a principled appraisal opinion on whether a certain behavior is an honest behavior according to the application of the party concerned.

The value to customers is: to help applicants identify honest behavior.

The object of collection is the applicant.

16. ICE8000 Untrustworthy Behavior Identification

The content of dishonesty appraisal service is: the credit agency issues a principled appraisal opinion on whether a certain act is a dishonesty according to the application of the party concerned.

The value to customers is: to help applicants identify untrustworthy behaviors or punish untrustworthy behaviors.

The object of collection is the applicant.

17. ICE8000 Credit Supervision

The content of the credit supervision service is: the credit institution, according to the entrustment of the parties, urges the relevant people to correct their untrustworthy behaviors.

The value to customers is to safeguard the legitimate rights and interests of clients.

The object of collection is the client.

18. ICE8000 Credit Dispute Mediation

Service content of credit dispute mediation: credit mediators mediate the disputes between the two parties in a fair and impartial manner according to the application of the parties to the dispute and according to the law and reason.

The value of credit dispute mediation to clients lies in: eliminating subjective misunderstandings and safeguarding legitimate rights and interests.

The objects of fee collection for credit dispute mediation are both parties to the dispute.

19. ICE8000 Credit Dispute Arbitration

Service content of arbitration of credit disputes: credit arbitrators, based on the application of both parties to the dispute, and in accordance with law and reason, fairly and impartiallyThe mediator adjudicates the dispute between the parties.

The value of credit dispute arbitration to clients lies in: eliminating subjective misunderstandings and safeguarding legitimate rights and interests.

The objects of fee collection for credit dispute arbitration are both parties to the dispute.

Eight Financial Extended Credit Products

1. Credit factoring

The service content of credit factoring is mainly: the credit institution purchases all or part of the accounts receivable of the enterprise, and after paying the cash to the enterprise, it will bear the receipt of the accounts receivable and the loss of bad debts.

The value of credit factoring services to customers is: bear bad debt losses on behalf of customers.

The object of payment for credit factoring services is generally the factored party.

2. Credit insurance

The service content of credit insurance is mainly: credit institutions underwrite accounts receivable, and in case of bad debts, bear part or all of the losses according to the insurance contract.

The value of credit insurance services to customers is: bear bad debt losses on behalf of customers.

The object of payment for credit insurance services is the policyholder, usually the creditor.

3. Credit loan

The service content of credit loan is mainly: the credit institution provides a certain amount of loan to the applicant under the premise that the loan applicant is not required to provide mortgage, pledge, or guarantor.

The value of credit loan service to customers is: customers get funds.

The object of the credit loan service is the loan applicant, and the fee is paid in the form of interest.

4. Personal credit card

The service contents of personal credit cards are mainly: credit institutions handle credit cards for individuals, and grant a certain overdraft limit, the overdraft limit includes cash overdraft limit and credit card consumption overdraft limit, individuals can overdraft cash within the cash advance limit, or credit card swiping Purchase goods or services at merchants who are contracted by the credit institution.

The value of personal credit card service to customers lies in the following two aspects:

On the one hand, it meets the needs of cardholders for overdraft, and also facilitates cardholders' consumption settlement;

On the other hand, it facilitates the settlement between contracted merchants and cardholders.

Personal credit cards are charged to cardholders and contracted merchants, and credit institutions charge cardholders a certain annual fee and overdue overdraft interest; contracted merchants charge an agreed proportion of handling fees based on the swiped card amount.

9. Public welfare credit products

1. ICE8000 Integrity Ranking and Supervision of Similar Organizations

Service content of integrity ranking of similar organizations: Credit institutions select comparable organizations of the same type according to actual conditions, and conduct integrity rankings based on their integrity commitments and credit records. Ranked units can improve their credibility by making honesty commitments or publicly declaring their credit records.

The value of the integrity ranking lies in: helping the public identify the integrity of relevant units, promoting fair competition in society, and promoting self-discipline of units with social heteronomy.

Integrity ranking is a public welfare and does not charge the ranked objects.

2. ICE8000 Regional Integrity Ranking and Supervision

The service content of regional integrity ranking: credit institutions calculate the integrity of the region and rank them according to the credit record of the region and the speed of credit information dissemination, and finally announce it to the public.

The value of the regional integrity ranking service lies in: promoting the dissemination and integrity of regional credit information.

The regional integrity ranking service is public welfare and does not charge the ranked objects.

3. ICE8000 Product Quality Credit Evaluation and Supervision

Service content of product quality credit evaluation: credit institutions randomly purchase commodities in the market under the premise of strict confidentiality according to the actual situation, remove obvious signs or repackage, send them to the quality inspection unit for blind inspection, and then compare the inspection results with the commodities Comparing the commitment value of the company to calculate its quality integrity, and announce it to the whole society.

The value of product quality credit evaluation service lies in: helping the public to identify the quality integrity of related products, promoting fair competition in society, and promoting self-discipline of units with social heteronomy.

Product quality credit evaluation services are public welfare and do not charge the operators of the evaluated products.

4. ICE8000 International Integrity Entrepreneur Evaluation

Service content: According to the "ICE8000 International Credit Standard System International Credit Entrepreneur Evaluation Standard" to evaluate the honorary title of international honest entrepreneur.

The social value lies in: encouraging entrepreneurs to be honest and self-disciplined.