The Study On The Construction Of SME Data Warehouse In Commercial Banks

Enterprise data warehouse (EDW) is a data set that is subject-oriented, integrated,relatively stable, changing with time, which can be used to support the operationand management of the decision making process. Large state-owned bankS, withperfect management mechanisms and rich customer information resources, shouldprovide efficient financial support for the development of small and medium-sizedenterprises. At present, there are mismatches in financial strength and socialresponsibility in those banks, especially in the process of supporting small andmedium-sized enterprises. Most branch banks has not set up enterprise datawarehouse specifically for the small and medium-sized, which causes a lack ofinformation for small and medium-sized enterprise.This paper sets one of large state-owned banks as an example. After a thoroughanalysis of home and abroad EDW bank construction situation and developmenttendency, the paper has analysied the importance of EDW for small and medium-sizedenterprises in credit support. Moreover, the paper has a deep discussion on how tosolve the financing problems caused by information asymmetry between large banksand small and medium-sized enterprises. At last, the author has designed a EDWsystem for small and medium-sized enterprises based on warehouse technology byusing data modeling and data extraction and following the corresponding businessrules. The established EDW have a standardized storage of the equity structure,relationship, industry status, business operation and financial situation, basicinformation of small and medium-sized enterprise and banking information. And adata analysis model has been established to screen out the target enterprise accordingto the credit level, the debt paying ability and competition ability, risk assessment,and other comprehensive factors, which can make banks do the effective decision.The trial run of the system shows that the efficiency in solving the financingneeds for small and medium-sized enterprise has been improved by using the datawarehouse technology in the credit business for small and medium-sized enterprises.In the same way, this also helps to solve the financing bottleneck of small and mediumenterprises which has provided a favorable support for the healthy development of the national economy.