Personal Credit Data Warehouse System Design Study

Establishing and strengthening consumer credit reporting system is the important part offinancial informationization of our country. Effective and credible credit reporting systemhelps reduce the cost of investigating consumer credit of banks, impulse the development ofconsumer credit business healthily and persistently, reduce the venture of credit and stabilizethe order of finance industry. Establishing the consumer credit reporting database is the mostimportant content of consumer credit reporting system's construction. Estimating personalcredit cannot be separated from data of credit. In January, 2006 , China's consumer creditreporting database run formally, 16 national commercial banks, 115 city commercial banks,129 city and countryside credit communities had connected to the database. By far, thedatabase has collected 40 million people's credit data, containing the sum of personal credit,2230 billion RMB. The next step of the construction of consumer credit reporting system isto build data warehouse, on the foundation of consumer credit reporting database. Thedeveloped credit reporting countries, such as America, Britain and Finland, all establishedconsumer credit reporting data warehouse over the country.Data warehouse is the process which database has to pass through, especially for thecredit reporting database that stores hundreds of millions credit data, it need to upgrade todata warehouse, using the technology of data-mining and OLAP to deeply analyze the data,in order to provide many sorts of credit products and increment services.Firstly, the paper expounds the development of consumer credit reporting, introduces thestatus and problem of our country's consumer credit reporting database, how to sufficientlyutilize the vast consumer credit data, building the data warehouse is the key point of nextstep of consumer credit reporting system's construction.Then, the paper introduces the basic theory of data warehouse, analyzes the consumercredit reporting database's status, emphasizes the four parts of consumer credit reporting' soperation process: data collection, dissidence transaction, query of credit reports, functionmanagement, discusses the flow and characteristic of the four operation process, putsforward the structure of consumer credit reporting data warehouse, makes storage partition;does the design of data modeling, and sets the core operation credit reports' query as thesubject, and does the dimensional modeling.