Management information system (MIS) is a set of customer-oriented
finance information service system of commercial bank. It is
established by company based on integrated operation system and
management system development of bank for many years, and the
company applies the latest technology of current information system
development combined with current condition of bank management and
development demand.
The MIS system communicates with commercial bank core business and
other production and management system through Data Bridge software
and database system software, in order to avoid the error and delay
of data reprocessing, ensure the authenticity, accuracy, real
timing and comprehensiveness of MIS system data.
On the basis of summarizing different commercial bank experiences,
commercial bank MIS system combines characteristics of urban
commercial bank and urban credit cooperative and puts forward a set
of relatively comprehensive bank finance information service
system. The bank manager can consult important information of bank
from integration to branches through MIS system.
Functions:
Information management of bank president
It will provide promptly comprehensive bank integration
information, individualized information report and timely
communication ways for the bank president to comprehend and grasp
integrated operation condition of bank. The system will also
provide the key index of various aspects such as data synopsis of
major business of banks, major asset, capital position, business
development, cost benefit, operation condition of branches and
local clearing that bank president mostly concerns.
Capital plan management
The system generally evaluates the bank integrated index, and
analyzes in many aspects such as capital structure, application
condition, asset-liability structuremajor asset indexes, cash
currency condition and profit and loss condition as well as
statistical balance condition. Main functions include: bank report,
internal statistical analysis, asset-liability management and cash
management etc.
Accounting management
The system analyzes bank cost benefit condition, and reports every
items of expense and profit condition and asset condition from
integration to details. Main functions include: financial
statement, financial management analysis and asset management etc.
Credit management
It grasps specifically loan condition, and analyzes in many aspects
such as loan structure, quality and profit condition, bank loan
structure, key customer and development tendencies of various
loans. It will also provide the manager with credit information of
omnidirections and multi-levels. Main functions include: early
warning of credit, risk management, credit analysis and general
inquiry etc.
Individual business management
Individual customers is of large quantity and complex condition, so
the manager is hard to face them alone, but he can adjust
management strategy properly by analyzing the condition of
macroscopic statistic of the whole customer. Main functions
include: saving business management, card business management,
individual credit management and intermediate business management
etc.
Employee performance evaluation
The system calculates the current and historical condition of
employee absorbing deposit, such as average balance, absorbing
balance and client amount etc.; it also calculates the current and
historical condition of employee loans, such as balance, average
balance and drawing back loans etc.; besides it covers current and
historical condition of counters, such as trading amount and
quantity, error amount etc. The system will also truly reflect the
working condition, quality and performance of employees.
Asset safety management
It will calculate commercial bank’s register and dispose condition
of assets replacement and collateral assets.
Public information management subsystem
The system provides with functions such as business introduction,
latest development, electronic bulletin board, technique forum,
interest rate information, loan rate, exchange rate information and
network point information etc.
Characteristics:
Displaying analytical result by browser
The user can supervise the bank operation condition and employee
working condition at any time any place by browser and browse the
history and present situation of bank.
Graphical exhibiting method
It draws trend curve and structural distribution map on the basis
of business data mainly including: deposit trend curve, loan trend
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