Recently, the application achievements of the client credit risk management system like "Client Information Integration Solutions" (CIIS) independently developed by ICBC won the First Award of "The National Enterprise Management Modernization Innovation Achievement, 2008" that is an important national award approved by the State Council. It was for the first time for ICBC to win this honor as a large sized domestic commercial bank, which signs a significant progress that has been made by the commercial banks in China in modernized innovation management.
  
According to introduction, CIIS is a united information system established by ICBC through the collection of the information of ICBC's clients with non-performing credit records with modernized information technologies and automated methods in order to offer references to bank in checking and verifying the credits of the clients and give early alarms to the bank when these clients intend to refinance. Through the application of CIIS, ICBC has realized the trans-industrial and trans-regional share of the information of clients with non-performing credit records and greatly enhanced its ability to prevent credit risk. By February 5, 2009, by using CIIS, ICBC has refused the applications of ICBC's consumers with non-performing credits for the refinancing for RMB 61.391 billion, recovered the accumulative principal and interest of the non-performing loan for RMB 1.915 billion in cash and given early alarms about the loans to the clients with high credit risk involving RMB 97.029 billion in post-loan management. 
 
The principal of ICBC 's relevant department concluded that the important role of ICBC 's client risk management like CIIS in practical application shall be attributed to the advanced philosophy of risk management first. Recently, following the philosophy of overall risk management, ICBC was making great effort to boost the shift of the risk management from passive prevention to positive management, from traditional qualitative management to high-standard quantitative control, so its credit risk management level has been enhanced strikingly. ICBC also fully demonstrates overall risk management philosophy in the developments and applications of CIIS and other systems. Through breaking the information silo, ICBC has realized the trans-industrial, trans-regional and trans-department information share and deep information exploitation.  

ICBC's leading level of information technology is also a key guarantee for the important role of CIIS and other system. In order to effectively manage client credit risk, taking clients as the center, by means of basic theory and analysis tools of data warehouse, ICBC has established 16 data marts such as automated statistics, client relation management and risk management based on the enterprise-level data warehouse. These data marts cover 111 applications and structure a data warehouse application system that is leading the way in domestic commercial banks. Based on the data warehouse, ICBC built a CIIS system and creatively integrated the information about client credit risk inside and outside the bank on CIIS platform so as to enhance the efficiency and capability of credit risk management throughout the bank. 
       
In additional, ICBC also makes great effort to boost the process reengineering and system perfection of the client risk management and fully releases the potentials of the information technologies during continually reengineering and optimizing process. ICBC makes cross-monitor before providing the loan and eliminates the risk from clients with non-performing credit records in marketing phase by using CIIS system so as to make the pass of the prevention and control of credit risk extending from single checking and approving phase to marketing phase. Meanwhile, ICBC provides that all new credit loan business must be based on information from CIIC system. So that those institutions and individuals applying for refinancing with records of non-performing credit, false transaction, double mortgage and dangerous debt will be refused in relevant business. Through accelerating the rigid connection between CIIS system and ICBC 's production system with credit granting function, ICBC has gradually realized the shift of the credit loan business from manual control to systematical rigid control so as to enhance the consistency of the credit loan business and lower the operation risk. Additional, CIIS adopts three mechanisms including online loan refuse and fund collection, deduction as well as post-loan early alarm in order to recover and shift non-performing loan, which has optimized the previously post-loan management mode and enhanced risk management and control level.   

Insiders pointed out that through creative applications of various client risk information systems, some domestic commercial banks like ICBC have not only improved the ability to manage and control risks but also strikingly enhanced the credit consciousness of the clients, accelerated the formation of some modern credit thoughts like "Credit is an economic ID card for any citizen or enterprise", purified social credit environment as well as boosted the establishments of the credit system and the penalty system for breaking credit in the society.