Study On Optimization And Design Of Personal Credit System Of Rural Credit Cooperatives Based On ETL

With the rapid development of the market economy, the issue of credit transactions lending market more and more serious information asymmetry, lack of personal credit impact on the economy growing, seriously affecting the rapid and healthy development of the market economy. Early access to some of our foreign-funded enterprises in order to avoid the appearance of trading activity in foreign trade credit risk, resulting in a demand for credit information to assess and promote the rapid development of credit information services industry. We need to accelerate various industries' demands for personal credit system, and thus deepen personal knowledge on business and personal credit information system, and speed up the opening of the credit market. All these can help to actively and effectively carry out credit institutions' supervision step by step.The first issue related to the development of the status quo were introduced personal credit, personal credit analysis of current issues related to the construction of the foundation of the existence of the database for the current massive personal credit data, how to take full advantage of these stored data to establish data warehouse is the focus of future research directions. Next, introduce some of the key technologies, including ETL, data transformation services(DTS), stored procedures,and database design and development technology. On the basis of analyzing the present personal credit information basic database and the relevant status quo, this paper also designs in detail how to analyze the demands of the three basic business parts in personal credit information system, including personal credit data report,personal credit report inquire and personal credit data generation. On account of the background of rural credit cooperative, this paper proposes three kinds of credit evaluation model for natural persons, farmers and individual businesses, mainly dealing with personal credit data report, MT data sending, personal credit report inquiry and generation. Meanwhile, in order to ensure the high-efficient management on data storage, this paper uses ELT technology to improve the treatment efficiency and universality of credit data.System test result shows that it basically meets requirements and needs on personal credit information business for rural credit cooperative in X city. And it also uses ETL technology to ensure high-efficient storage and management for data. Thecredit system interface is simple and easy to use, and good in efficiency and stability.The informationization of personal credit information system in rural credit cooperatives effectively promotes the humanized operation in these cooperatives in X city, improves the service quality in personal credit information businesses, and further promotes the stable development of the rural credit cooperatives in X city.