CIIS system is a unified information system established by China Industrial and Commercial Bank by using computer technology and adopting automatic means to collect bad customer information of all relevant business departments of the bank. Its function is to provide a basis for banks to audit customers' credit status and to give an early warning to the refinancing of customers with bad credit. Through the use of CIIS system, ICBC has realized cross-disciplinary and cross-regional information sharing of bad credit customers, and its ability to prevent cross-disciplinary and cross-regional credit risks has been greatly enhanced.
At present, China Industrial and Commercial Bank has incorporated the CIIS system into the credit approval control process. Banks stipulate that when handling credit business for individuals (including self-operated housing loans, entrusted personal housing loans, personal comprehensive consumption loans, personal short-term credit loans, personal automobile consumption loans, national student loans, general business student loans, credit cards, providing guarantees for other legal persons and individuals, etc.), banks at all levels must inquire about the special attention customer system, and any individual who is included in the special attention customer system is not allowed to have a new relationship with it.