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山东诸城农村合作银行2004年9月被确定为贷款五级分类试点单位。在开展五级分类的过程中,他们充分发挥信贷管理系统(CMS)的作用,对贷款五级分类实行电子化管理,进一步提高了分类工作效率．初步探索出了一条利用先进科技手段管理信贷资产、防范信贷风险的有效途径。
Shandong Zhucheng Rural Cooperative Bank in September 2004 was identified as a pilot five-category loan units. In carrying out the five-level classification, they gave full play to the role of the credit management system (CMS) to implement the electronic management of the five-tier classification of loans, further enhancing the efficiency of the classification work. Initially explored an effective way of using advanced science and technology to manage credit assets and prevent credit risks.