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Policy credit management (QLTDCS) is a software operating on smart devices using Android or IOS operating systems to provide information on business process instruction documents, key credit activity data. social books (TDCSXH), the results of the comparison test of the test subjects in the area, helping users interact, monitor and grasp the real situation to offer solutions to improve quality. credit activities in the area. Application of civil engineering management contributes to effective management of policy credit capital as well as towards providing comprehensive financial services to customers.