Design And Implementation Of Credit Business Data Query System

Credit Management System Family of ABC (hereinafter referred to as C3) is main carrier to realize electronic credit management and basic operating platform to implement credit business for ABC. With continuous improvement of meticulous credit management and overall application level of electronic credit, data query, statistics and analysis of credit business aiming to C3system have become important groundwork for bank credit management of ABC.According to requirements of new Basel Capital Accord, statistic analysis platform of credit-Data Demand System of C3(hereinafter referred to as DDS) is established to increase risk control and prevention level of credit business. DDS system is an important component of C3system, which adopts B/S framework, uses latest database and data warehouse conforming to bank’s business development, establishes DDS multidimensional database and C3basic database, employs latest business intelligence software product of IBM Cognos, thus realizing user defined query and statement design. Besides, the system uses C3basic database for application of data mining and analysis about credit business information of ABC, and then offer flexible statement and query design to each branch. DDS multidimensional database is highly efficient with rapid operating speed and supports data drilling, which can be used to extract multidimensional data of common statistical indexes and share various statistical results generated by each branch. DDS allows statistical analysis of credit data to replace second-phase statement and WEB query of original system, and then it becomes statistical analysis platform of C3data. DDS owns strong scalability and expandability, and it will become intellectual property sharing platform for credit report design of ABC, thus increasing credit monitoring, statistics and analysis management level of ABC.