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In to function effectively leadership and various departments need to have a shared knowledge base in order to take organization preferred decisions. However internally gaps appear and as a consequence the organization's performance is impacted. In this study, we try to construct a knowledge gaps model by PZB theory. Then we adopted the simulated annealing technique in order to arrive at equilibrium of understanding between each department to facilitate improvement in the financial services loan strategies. In this research, it can reduce the overdue loans in7%-12% by the interactive system in an experiment.