数据仓库在商业银行中的运用

Application of Data Warehouse in Commercial Banks

随着信息系统在社会各企业中的广泛运用,特别是在银行业,信息系统数年中收集了海量数据,且数据还正以指数级增长,在这信息化的大潮中,银行高层都希望用数据分析来了解银行的经营状况和外部环境,做出科学的决策,在现代激烈的银行业竞争中占有一席之地。本文主要对数据仓库环境的组成、维度建模做一个简要的介绍,结合银行的特定业务,对相应的业务需求介绍银行信用卡数据仓库的基本构架,同时简要论述银行信用卡数据仓库对银行信用卡业务的巨大作用。通过一个基于银行数据仓库项目的完整流程,具体地描述了数据采集,数据转换和数据加载的具体实现方法。对一个具体的业务需求的分析,设计相应的维度模型,最终完成一个客户等级MIS,并输出相应的日报表。最后简要介绍数据仓库的深层应用。

With the widely application of MIS in large enterprises, especially in banks, the information system has stored a large amount of data that is even increasing dramatically now. In this information era, the managers of banks try to find out the operation condition and exterior environment to make scientific decisions by analyzing the data, and to stand up in the serious competition. This paper introduces some basic knowledge of data warehouse's components and the dimensional modeling. It also gives some ideas about the elementary architecture of Banking Credit Card's Data Warehouse and the great advantages of using Data Warehouse in credit card business. Through a whole flow of a project based on banking data warehouse, the article gives the detailed ideas of the methods of data reception, data transformation and data loading. According to a real requirement by banking business customers, we made the analysis of the requirements and designed the dimensional model to solve this problem, and created two reports to support the decision making of customers' category. Finally, we made a summary and introduced some advanced applications, such as Online Analysis Process and Data Mining with Data warehouse.