Construction method of database based on credit report

Abstract

The invention relates to the credit risk management field. A construction method of a database based on a credit report comprises a server, wherein the server comprises a calculation engine and a storage subsystem coupled with the calculation engine, and the database based on the credit report is stored in the storage subsystem. The construction method of the database comprises the following steps: 1) extracting personal credit record information through the server, wherein the personal credit record information comprises credit card transaction information, loan transaction information, detail information of providing guaranty to the loans of other people and query records for each bank to query the personal credit record information; 2) processing and converting the credit card transaction information through the calculation engine, processing and converting the loan transaction information through the calculation engine, processing and converting the detail information of providing the guaranty to the loans of other people through the calculation engine, and processing and converting the query records through the calculation engine; and 3) establishing a credit database formed by four relational data tables. Efficiency in using and storing credit investigation data for the credit and loan of a financing institution can be greatly improved.

Description

technical field [0001] The invention relates to the field of credit risk management, in particular to the construction of a credit database. Background technique [0002] The construction of the credit system is an important part of building a socialist market economy with Chinese characteristics. At present, my country has initially established a credit record system in line with national conditions. However, when financial institutions evaluate personal credit records, they cannot effectively use the various data in the credit report, and rely more on the personal experience of loan officers to make judgments. This is not only inefficient, but also due to uncontrollable factors There are many, and there are high requirements for the management of financial institutions. These situations not only restrict the development of financial institutions, but also cause a certain waste of a large amount of data in credit reports. [0003] But for each individual, the credit repor...

AI Technical Summary

Problems solved by technology

However, when financial institutions evaluate personal credit records, they cannot effectively use the various data in the credit report, and rely more on the personal experience of loan officers to make judgments. This is not only inefficient, but also due to uncontrollable factors Many, with high requirements for the management of financial institutions

These situations not only restrict the development of financial institutions, but also cause a certain waste of a large amount of data in credit reports

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