Yucheng will build upon the existing in-house systems to deliver a unified Credit Management Information System (CMIS), which will integrate intrabank data to identify and manage overall credit risk. The brand new CMIS will streamline the credit check process by classifying FRCU's customers into risk classes and transforming raw credit data into intelligent, reliable and consistent credit limit ranges. The CMIS translates the FRCU's credit rules into a strict credit analysis software solution that will enhance the reliability of loan decision-making. By systematizing credit decisions and by limiting a manager's ability to arbitrarily justify loans, the CMIS is expected to dramatically reduce the risk of bad debt, and enhance FRCU's overall profitability.

Mr. Weidong Hong, CEO of Yucheng Technologies stated, "CMIS is a critical, backbone system for FRCU's overall risk management efforts. Via our CMIS, FRCU will gain greater control over asset quality and be able to monitor bank-wide credit risk. We are pleased that FRCU sought our expertise to develop their credit capabilities, and we look forward to expanding their IT capabilities in more business verticals."

Management solutions enable management teams to better understand and evaluate their business on a timely basis. Yucheng has deployed more than 30 CMISs to date. IDC estimates the CMIS demand by financial industry will grow annually at 17.2% from 2008 to 2012.