The head office’s understanding of the bank’s business data is achieved through the replication function of the database: the data is copied from the county branch to the secondary branch, from the secondary branch to the provincial branch, and then from the provincial branch to the provincial branch. At the head office, since the basic data is not real, the summary data obtained by copying it layer by layer cannot be real either. The biggest feature of CMS is its high degree of integration. It uses advanced computer and network technology to integrate daily credit business processing, decision-making management processes, data statistical analysis, loan risk classification and early warning, credit supervision and inspection, loan and customer data accumulation, etc. Computer processing forms a scientific system covering the entire process of credit management, and realizes nationwide networking and information sharing. CMS abandons the previous model of domestic banks developing and applying individual business management systems with single functions and self-contained systems. Covering all business functions of the credit department, data is collected once and applied multiple times. In terms of customer scope, we focus on customers to achieve the integration of self-operated, entrusted and specific businesses, the integration of local currency and foreign currency businesses, the integration of on-balance sheet and off-balance sheet businesses, and the integration of regular and special businesses; in terms of business types, including Credit, loan, acceptance, letter of credit, letter of guarantee and credit card overdraft, etc.; from the business processing point of view, the system includes the decision-making process control of credit business acceptance, investigation, review, loan review meeting, approval, reporting, etc. It is the control of credit business Management of the entire process. From the perspective of credit objects, it includes legal person customers and natural person customers; the service objects of the system include not only business operators and management decision-makers of credit business departments at all levels, but also non-credit departments of management banks at all levels within the scope of authorization. The system performs many tasks such as credit business data query and off-site audit. In terms of function settings, CMS has designed 14 modules: credit authorization prompts, customer relationship management, risk warning inspections, credit rating assessments, decision-making process control, asset ledger monitoring, loan classification inspections, post-loan inspection records, projects Loan tracking, loan installment repayment, data analysis and summary, reporting of PBOC data, WEB query, central data maintenance. Modules are closely connected to each other, forming an interlocking constraint mechanism. Take the loan issuance process as an example: In the CMS system, the loan officer with the "acceptance" authority enters the relevant information of the customer applying for the loan into the system. The investigators confirm the authenticity of the information. After the review is passed, the loan application and Relevant information is submitted to the loan review committee, which is composed of a number of professionals and decides whether the loan is approved by voting. The issuance of each loan must go through six procedures: acceptance, investigation, review, loan review meeting, approval, and reporting. These procedures are repeatedly set up at each level of the bank. The difference is that the higher the bank level, the loans that can be approved The larger the amount. When the grassroots bank does not have enough power, the application needs to be submitted to the higher-level bank until the head office. Corresponding to the "authorization" function is the "credit grant" to corporate customers. CMS calculates the credit by analyzing the historical records of all business transactions between the company and the Agricultural Bank of China, the company's financial status, the company's debt evasion records, loan guarantor information, etc. Determine the company's credit rating and determine the company's maximum loan limit. Credit risks can be effectively resolved through layered control and two-way management of authorization and credit from application to approval. Another important function of CMS is "early warning". When loan disbursement may be risky, the early warning system will issue an alert. On the one hand, this can help managers detect risks in time and take timely response measures; on the other hand, it also sets "standards" for illegal lending, just like the traffic lights on the highway. If you run the red light, you will be sanctioned accordingly. CMS sets the rules of the game for credit management. It is like a "high-voltage line" set up by the head office. It not only effectively restricts the authority of branches, but also plays a certain deterrent effect. CMS adopts a provincial data centralized approach, adopts an open architecture, and designs interface programs with other related business systems of the Agricultural Bank of China to realize the exchange of relevant data. Data and information go through the dynamic process of input system, automatic processing, and output system in CMS, that is, basic data enters the system in a certain way, is processed, sorted and summarized by the system into useful management information, and then output for user use. The data input into the system basically comes from two aspects: one is manually entered by system users in their daily work; the other is extracted from business systems such as ABIS, international business systems, and statistical analysis systems. The output of system information, on the one hand, realizes data browsing and query through the system's own tools, such as Web browsers; on the other hand, it outputs data information to other systems through interfaces.