This standard specifies the requirements for the formulation of credit standards and the implementation of credit standards. This standard applies to credit activities carried out by various entities. GB/T 23792-2009 Credit Standardization Work Guide GB/T23792-2009 Standard Download Decompression Password: www.bzxz.net
This standard specifies the requirements for the formulation of credit standards and the implementation of credit standards. This standard applies to credit activities carried out by various entities.
Foreword
　　This standard is proposed and managed by the National Credit Standardization Technical Working Group.
The main drafting units of this standard are: China National Institute of Standardization, Beijing Shenzhou Business Bridge Technology Service Co., Ltd., Renmin University of China, Chongqing Municipal
Business Credit Center, China Market Society Credit Working Committee, State Administration for Industry and Commerce, Heilongjiang Province Credit Heilongjiang Construction Work Leading
Group, Fujian Provincial Economic and Trade Commission Information Center, Beijing Andi Enterprise Credit Rating Co., Ltd.
The main drafters of this standard are Qian Yumin, Yin Yan, Ding Yusi, Wu Jingmei, Lin Junyue, Xu Bing, Li Anyu, Shenyang, Chen Yaowu, Chen Lei, Wang Xin,
Song Li, Li Xianghua, Han Aihong, Gao Qing.
The clauses in the following documents become the clauses of this standard through reference in this standard. For any dated referenced document, all subsequent
amendments (excluding errata) or revisions are not applicable to this standard. However, the parties to an agreement based on this standard are encouraged to study
whether the latest versions of these documents can be used. For any undated referenced document, the latest version shall apply to this standard.
GB/T 16733 Division of stages and codes for the national standard formulation procedure
GB/T 22117-2008 Basic terms of credit

ICS 03.080.99
National Standard of the People's Republic of China
GB/T23792—2009
Guidelines for credit standardization
Guidelines for credit standardizationIssued on 2009-05-06
General Administration of Quality Supervision, Inspection and Quarantine of the People's Republic of ChinaStandardization Administration of China
Implementation on 2009-11-01
Normative references
3 Terms and definitions
Formulation of credit standards
Implementation of credit standards
References
GB/T23792—2009
This standard is proposed and managed by the National Credit Standardization Technical Working Group. GB/T23792—2009
The main drafting units of this standard are: China National Institute of Standardization, Beijing Shenzhou Business Bridge Technology Service Co., Ltd., Renmin University of China, Chongqing Business Credit Center, Credit Working Committee of China Marketing Society, State Administration for Industry and Commerce, Leading Group for the Construction of Heilongjiang Creditworthiness in Heilongjiang Province, Information Center of Fujian Economic and Trade Commission, Beijing Andi Enterprise Credit Rating Co., Ltd. The main drafters of this standard are: Qian Yumin, Yin Yan, Ding Yusi, Wu Jingmei, Lin Junyue, Xu Bing, Li Anyu, Shenyang, Chen Yaowu, Chen Lei, Wang Xin, Song Li, Ji Xianghua, Han Aihong, Gao Qing. III
1 Scope
Guidelines for Credit Standardization
This standard specifies the requirements for the formulation of credit standards and the implementation of credit standards. This standard applies to credit activities carried out by various entities. 2 Normative references
GB/T23792--2009
The clauses in the following documents become the clauses of this standard through reference in this standard. For all dated references, all subsequent amendments (excluding errata) or revisions are not applicable to this standard. However, parties to an agreement based on this standard are encouraged to study whether the latest versions of these documents can be used. For all undated references, the latest versions apply to this standard. GB/T16733 Stage division and code of national standard formulation procedures GB/T22117--2008 Basic credit terms
3 Terms and definitions
The terms and definitions established in GB/T22117--2008 and the following terms and definitions apply to this standard. 3.1
Standard
A normative document developed by consensus and approved by recognized organizations for common and repeated use in order to achieve the best order within a certain scope.
Note: Standards should be based on the comprehensive results of science, technology and experience, with the purpose of promoting the best common benefits. [GB/T20000.1-2002 Definition 2.3.2]
Credit standards
Standards that stipulate the requirements that credit activities should meet to ensure their applicability. 3.3
Standardization
The activity of formulating common and reusable terms for real or potential problems in order to obtain the best order within a certain range.
Note 1: The above activities mainly include the process of compiling, publishing and implementing standards. Note 2: The main role of standardization is to improve the applicability of products, processes or services for their intended purposes, prevent trade barriers, and promote technical cooperation. [[GB/T20000.12002, Definition 2.1.1]3.4
Credit standardization The process of formulating, publishing and implementing credit standards. 4 Establishment of credit standards
4.1 Classification of credit standards
4.1.1 Basic credit standards
General standards suitable for various or certain types of credit activities. 1
GB/T23792—2009
Credit technical standards
Standards involving key technologies of credit activities. 4.1.3 Credit product standards
Standards established for various requirements of credit products. 4.1.4 Credit service standards
Standards established for various requirements such as content, process, quality and capability of credit services. 4.1.5 Credit management standards
Related standards established for business operations such as credit risk prevention, control and transfer, as well as credit supervision and management. 4.2 Basic Contents of Credit Standards
4.2.1 Basic Contents of Basic Credit Standards
Basic contents may include:
Credit terms;
Credit classification;
Working guidelines for credit standardization;
Requirements for the preparation of instructions;
Others.
4.2.2 Basic Contents of Technical Credit Standards
Basic contents may include:
Coding;
Data element;
Feature variable;
Collection, processing, use and management of credit information; Information data interface;
Credit rating classification and representation method;
Credit evaluation indicators and models
Others.
4.2.3 Basic contents of credit product standards
Basic contents may include:
Design;
Production;
Sales;
Processing;
Quality;
Others.
4.2.4 Basic contents of credit service standards
4.2.4.1 Basic contents of credit service conditions Basic contents may include:
Service facilities;
—Service environment;
—Others.
4.2.4.2 Basic contents of credit service provision specifications Basic contents may include:
Contract (agreement);
Method of entrustment
Service methods and processes;
Delivery of services;
Processing of service results;
Communication between the organization and customers;
Others.
4.2.4.3 Basic contents of credit intermediary organization qualifications Basic contents may include:
Quality management system;
Safety management system;
Solution and other economic factors;
Organization size and personnel qualification composition;
Organization guiding principles;
Organization social responsibility;
Others.
4.2.4.4 Basic contents of credit service practitioners qualifications Basic contents may include:
Professional quality of credit service practitioners; Code of conduct of credit service practitioners; Professional training experience of credit service practitioners. 4.2.5 Basic contents of credit management standards
Basic contents may include:
Customer credit information management;
Credit management;
Accounts receivable management;
Overdue accounts receivable management;
Database application and management;
Design of prohibited vouchers;
Establishment and maintenance of credit system;
Methods and procedures for credit evaluation;
Others.
4.3 Process of establishing credit standards
GB/T 23792—2009
The establishment of credit standards is divided into 9 stages: pre-stage, project establishment stage, drafting stage, comment solicitation stage, review stage, approval stage, publication stage, re-examination stage and abolition stage, see GB/T16733. 5 Implementation of credit standardsWww.bzxZ.net
5.1 General procedures for the implementation of credit standards
5. 1. 1 Study
Organize relevant personnel to study the purpose, significance, scope, role and terms of the standards. 5.1.2 Application
Apply to actual work and verify according to the terms of the standards. 5.1.3 Feedback
Provide feedback on the application of the standards. 3
GB/T23792—2009
2 Basic methods for the implementation of credit standards
5.2.1 General methods
Implement relevant credit standards;
Establish the credit system of the institution;
Establish relevant evaluation index system;
-Social supervision;
-Others.
5.2.2 Implementation methods for credit intermediary organizations
In addition to the general methods, the following methods should also be included: 1. Internal evaluation, such as the security and confidentiality management of credit information, the protection of personal privacy and corporate trade secrets, the establishment and implementation of organizational management systems, etc.;
External evaluation, such as the company's fulfillment of its commitments, the fairness of credit evaluation results, illegal operations, complaint rates, credit supervision and management results of regulatory authorities, and the compliance of credit products and services with relevant standards; certification and accreditation.
5.2.3 Implementation methods for other companies
In addition to the general methods, the following methods should also be included: 1. Internal evaluation, such as establishing an evaluation index system for the company's own honesty and trustworthiness, formulating an evaluation index system for customer credit behavior, and formulating measures that comply with government credit supervision, etc.; 2. External evaluation, such as the evaluation results of credit intermediary organizations, the evaluation results of industry organizations, and the credit supervision results of government regulatory authorities;
Certification and accreditation.
GB/T15624.1—2003
References
Guidelines for Service Standardization
Part 1: General Principles
GB/T23792—2009
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