The Research And Application Of Credit Information Data Warehouse For Commercial Bank

With China' accession to WTO and implementation of The New Basel Capital Accord among its member countries, China's banks are facing an ever-growing competitive pressure from both domestic and international banks. It is essential to make proper decision about survival and development of banks on a real-time basis so as to make profits out of the competition. Currently, China's banking industry is growing in a diversified pattern, with credit information mainly originated from various services and systems of the banks. As a result, it is required that the banks should realize scientific and unified management and consolidation upon these resources to facilitate the management in making proper decisions.As a recently-adopted business intelligence technology under rapid development, data warehouse technology provides the enterprise with a solution that helps an enterprise perform analysis and mining on mass data accumulated internally and collected externally and extracts valuable information, helping the management understand business situation, predict market trends and make proper decisions.Based on thorough investigations and analysis, this dissertation provides overall data warehouse architecture and its construction objects, as well as a matching data model; it develops and builds a credit information data warehouse by using Oracle and DataStage as data warehouse entities and ETL tools, thus realizing data collection and integration of data warehouse from multiple data sources; measures for improving the data quality of data warehouse and optimizing the ETL performance are proposed at the end of this paper. With the application of a credit information data warehouse system, the operational risks of commercial banks would be reduced, the internal efficiency improved and cost saved. What's more, it would help get the hold of all information in a bank, such as clients, finance, debts and service, enhance service relevance, timeliness and manageability and increase the bank's Return on Investment.