Credit Evaluation Standards and Untrustworthy Punishment Mechanism

Credit evaluation standards and dishonesty punishment mechanism

1. Who should formulate credit evaluation standards?

Who should formulate credit evaluation standards? Now there are different debates in China. Some departments of the State Council and local governments and departments of various provinces and cities are also trying to formulate credit evaluation standards. This is contrary to the standards of the market economy and the spirit of the modern rule of law. It will confuse corporate credit with government credit. At the same time, it will also bring unspoken rules and power rent-seeking to China's fledgling credit evaluation industry. It is a common practice in the world that non-governmental organizations formulate credit standards, and their authority does not depend on state administrative power, but on their scientific nature. If they are not scientific, they will naturally be eliminated by the market. Internationally, generally only the credit evaluation results conducted by non-governmental organizations according to open standards are recognized.

We have formulated the near-perfect credit evaluation standard ICE8000 International Credit Standard, which China can directly apply.

Second, who knows the credit situation of a unit best?

The person who knows the credit situation of a unit best is the unit itself, and whether a unit is honest or not, who knows best, is it a government department, an industry association, or a credit institution? Neither, but the unit itself, because I know best whether I am honest or not. He knows best whether a unit has cheated others, how many times it has broken promises and breached contracts, and whether it has the will to operate with integrity. Of course, the unit's credit evaluation of itself may not be true and reliable, especially when some people with false integrity talk about integrity, their voices are very loud.

Third, who has the most authority to evaluate the credit status of a unit?

The person who has the most authority to evaluate the credit status of a unit is the stakeholder of the unit. Who has the most authority to evaluate the integrity of a unit, or whose evaluation is the most authoritative and credible, is it the government, industry associations, or credit institutions? No, they are interested parties of the unit. Stakeholders deal directly with the unit, and whether the unit is honest or not directly affects the vital interests of the interested party, so the interested party is most qualified to evaluate the credit status of the unit. Of course, the evaluation of a stakeholder may be one-sided.

4. Credit Evaluation Standards and Dishonesty Punishment Mechanism

Our credit evaluation standard adopts the credit evaluation standard of the ICE8000 international credit standard system, which is an organic combination of credit evaluation standards and credit supervision standards. social integrity. According to different objects, credit evaluation and supervision standards are divided into three categories: enterprises and other organizations, state agencies, and natural persons.

The ICE8000 family of standards is designed and operated in full accordance with the principles of impartiality, openness, fairness, independence, supervision, mutual assistance, win-win, openness, and voluntariness. ) strictly follow the principle of honesty and credit when making commitments or implementing commitments, and formulate methods for identifying and punishing whether the above principles are followed.

The ICE8000 family of standards does not put forward specific performance and index requirements for the organization's products and services, but requires the organization to be responsible to customers and the society for the quality and defects of products and services. And mislead customers and society.

The most notable feature of the ICE8000 family of standards is that it not only establishes credit standards, but also establishes an effective credit supervision mechanism and strict liability for violations of various organizations' compliance with credit standards, and it also actively conducts credit supervision and accountability for defaulters. Power is always in the hands of its stakeholders.

V. Credit Supervision Mechanism and Dispute Resolution Mechanism

The ICE8000 family of standards is a credit monitoring mechanism and a dispute resolution mechanism, which provides the society with a fast and low-cost dispute resolution method. This dispute resolution mechanism is further divided into a general dispute resolution mechanism and a special dispute resolution mechanism. The former is a method for exercising the right to public complaint and public exposure, and the latter is a method for filtering and handling wrong complaints, false complaints and malicious complaints.

For example: the parties to the contract have agreed on the CS clause in the contract, that is, this contract is signed and executed in accordance with the principle of good faith, if one party breaks promises or breaches the contract, the other party has the right to register on the International Credit Supervision Network (www.ice8000.org) Public complaints in the public complaint column also have the right to publicly expose the facts of the other party's dishonesty or breach of contract on the blacklist column of the International Credit Supervision Network (www.ice8000.org) with valid documents issued by courts, arbitration institutions or other state agencies. Then, after one party breaches the contract, the other party can exercise the right of public complaint or public exposure to urge the other party to correct the dishonest behavior. In the process of exercising the right to public complaint or the right to public exposure, if there is any objection to the complaint itself, and it is believed that the other party is making a wrong complaint, a false complaint, or a malicious complaint, it will automatically enter the special dispute resolution mechanism.

7. Crisis management and information communication mechanism

Complaints and suggestions bring opportunities for the development of enterprises and are one of the most important information flows for enterprises. The problems and crises in many units are related to the poor communication of complaints and suggestions from the organization. The ICE8000 family of standards also designs a crisis management and information communication mechanism, which can effectively solve this problem and provide a system guarantee for the company’s corporate governance. It is also a way for an organization to discover talents. At the same time, this information communication mechanism did not interrupt the original information communication channels.

As shown in the figure below: We can see that: Figure 1 is a credit information transmission channel, and part of the information is lost and distorted in the process of bottom-up transmission, and the transmission time is relatively long; Figure 2 is two information transmission channels, the information The sender and the intermediate transmission links can directly transmit the information to the decision-making layer through the credit department, and the transmission speed is fast, and it will not be distorted or intercepted.

8. Integrity Asset Accumulation Mechanism

How to increase the intangible assets of honest units because of their integrity, and how to quantify such intangible assets, ICE8000 family standards design a scientific credit scoring system, which has the following characteristics:

1. Openness and transparency. The integrity asset accumulation mechanism of the ICE8000 international credit standard system is open and transparent, and there is no possibility of black box operation.

2. Institutional. The integrity asset accumulation mechanism of the ICE8000 international credit standard system is institutionalized, there is no arbitrariness, and there is no possibility of human manipulation.

3. Unpurchaseability. Credit points can only be accumulated slowly through honest management, and cannot be purchased with money.

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