Design And Implementation Of Personal Credit Evaluation System Based On Data Warehouse

With China’s rapid economic growth and accelerating the transformation ofconsumption，The domestic credit card business has always maintained a rapid developmentmomentum is good. As of the end of2012, the bank issued a total of more than2800millionpieces of credit card, The cumulative number of customers more than2400households,Consumer transactions exceeded450million yuan, the loan balance exceeds590million yuan.Expansion of credit card business, also bring a lot of problems. Although the number ofissuing cards in increasing，But many credit cards is in sleep state, Customers don’t use orrarely use credit cards for consumption, These credit card did not bring profit to the bank, Butbring many problems to the contrary, bank credit card management, Credit risk is alsogrowing. Because banks are the accumulation of a large number of credit card customerinformation and customer transaction information，How to use and analysis this information,Distinguish “bad customers" and "good customer", establishing different measures of riskmanagement and marketing strategy is One of the pressing problems facing banks in thecredit card risk management.Based on the personal credit evaluation system of Construction Bank as the researchobject, in view of the current credit evaluation index coverage is not comprehensive enough,design the Construction Bank credit evaluation plan. Firstly, collect credit card datawarehouse according to the operation requirement. In use of data contract to analysis dragdatabase, clean and transform data. Then the article raised the credit model, when build creditcard model, choose the value is the most key important process, the value have a greatimportant to the module property. The value should represent the client property, most ofthem choose from the personal information data warehouse. Currently, When client applycredit on Construct Bank, need to fill in38blanks, but they all not the required field, for example, some non-required forms, client can leave it with empty, that may cause the lostdata, for example, the family member construct, the personal occupy etc. At last choose17data from38data, choose4000client items from personal property, analysis the data fromthrough the module and get the result.Personal credit scoring model based on, and realize the Construction Bank personalcredit rating system designed in this paper for customer credit evaluation, credit card andcredit evaluation. System to achieve customer information management, credit evaluationmanagement, credit scoring management function, provides the individual credit riskevaluation of Construction Bank integrated management platform, analyze the VIP, Sliver,Gold and Normal card in the system, provides the scientific basis for the bank personal creditevaluation, improve the ability of bank credit risk management.