Ares Smart Core Banking System (ASCBS) includes a complete module, which satisfies Taiwan financial company extension needs in China. ASCBS provides accounting, sharing, deposit, loans, exchange, import, export, foreign exchange transaction, deposit fund lending, bonds, deposit with write-off, SWIFT, micro/macro-payment, city bill liquidation of domestic foreign currency clearing system and report user interface. Thus, this system allows a centralized or decentralized planning.