The head office's understanding of the business data of the whole bank is realized through the copying function of the database: the data is copied from the county branch to the secondary branch, from the secondary branch to the provincial bank, and then from the provincial bank to the head office. Because the basic data is not true, the summary data obtained by layer-by-layer copying can not be true. The biggest feature of CMS is its high integration. It adopts advanced computer and network technology, and integrates daily credit business processing, decision-making management process, data statistical analysis, loan risk classification and early warning, credit supervision and inspection, loan and customer data accumulation into computer processing, forming a scientific system covering the whole process of credit management and realizing national networking and information sharing. CMS abandoned the single business management system with single function and self-contained system developed and applied by domestic banks in the past. It covers all the business functions of the credit department, and the data is collected once and applied many times. From the perspective of customers, we should focus on customers and realize the integration of self-operation, entrustment and specific business, the integration of local currency and foreign currency business, the integration of on-balance sheet and off-balance sheet business, and the integration of routine and special business; In terms of business types, it includes credit, loan, acceptance, letter of credit, guarantee and credit card overdraft; In terms of business process, the system includes decision-making process control of credit business acceptance, investigation, review, loan review meeting, approval and filing, which is the whole process management of credit business. From the perspective of credit objects, it includes legal person customers and natural person customers; The service objects of the system include not only the business operators and management decision-makers of credit business departments at all levels, but also the non-credit departments of management banks at all levels can use the system for credit business data query and off-site monitoring within the scope of authorization. In terms of function setting, CMS has designed 14 modules: credit prompt, customer relationship management, risk early warning inspection, credit rating, decision-making process control, asset ledger monitoring, loan classification inspection, post-loan inspection record, project loan tracking, loan installment repayment, data analysis and summary, PBOC data reporting, web query and central data maintenance. Each module is closely connected to form an interlocking constraint mechanism. Take the process of issuing loans as an example: in the CMS system, the loan officer with "accept" authority inputs the information about the customer who applied for the loan into the system, and the investigator confirms the authenticity of the information. After the loan application is approved, the loan application and related materials will be submitted to the loan review committee composed of several professionals, and whether to approve the loan will be decided by voting. Every loan must go through six procedures: acceptance, investigation, review, loan review meeting, approval and filing. These programs are repeated at each level. The difference is that the higher the level, the larger the loan amount that can be approved. When the grass-roots bank is insufficient, it needs to submit an application to the superior bank until the head office. Corresponding to the "authorization" function is the "credit" to corporate customers. CMS calculates the credit rating of an enterprise by analyzing all the historical records of business dealings between the enterprise and the Agricultural Bank of China, the financial status of the enterprise, the records of debt evasion and the information of the lender, and formulates the maximum loan amount of the enterprise. Through the hierarchical control from application to approval and the two-way management of authorized credit, the credit risk can be effectively resolved. Another important function of CMS is "early warning". When there may be risks in loan issuance, the early warning system will give an alarm. On the one hand, it can help managers find risks in time and take countermeasures in time; On the other hand, it also sets a "standard" for illegal lending, just like the traffic lights on the road. If you run a red light, you will be punished accordingly. CMS has formulated the game rules of credit management, just like the "high-voltage line" set by the head office, which not only effectively restricts the authority of branches, but also plays a deterrent role. CMS adopts provincial data centralized mode and open architecture, designs interface programs with other related business systems of Agricultural Bank of China, and realizes the exchange of relevant data. The data and information in CMS go through the dynamic process of input system, automatic processing and output system, that is, the basic data enters the system in a certain way, is processed, sorted and summarized by the system to become useful management information, and then is output to users. The data input into the system basically comes from two aspects: one is the manual input of system users in their daily work; The second is to extract from ABIS, international business system, statistical analysis system and other business systems. The output of system information, on the one hand, realizes data browsing and query through the tools of the system, such as web browser; On the other hand, it outputs data information to other systems through the interface.