Development and Application of DB2 Business Intelligence System of Dalian Agricultural Bank from data to decision-making

The fierce competition in the banking industry has made bankers pay more attention to the use of modern technology. BI based on data warehouse technology is one of them, as a technology closer to the application layer, B1 is more likely to be seen by the Decision-Making layer. The essence of business intelligence is to intelligently analyze the extracted business data, reveal the enterprise's operation and market conditions, and help the management to make correct and wise business decisions. In recent years, large banks outside China have begun to use BI for risk analysis, business decision-making, and other applications. After building a hardware and software platform and developing an independent business application system, China's commercial banks are facing a stage of further in-depth development of data resources and comprehensive application, it already has the foundation to use data warehouse and business intelligence technology. However, because China's commercial banks have institutional defects and it is not long before banks are electronically launched, how can they effectively use business intelligence to serve Bank decisions? With this problem, I visited the first Agricultural Bank of Dalian to use business intelligence in the Agricultural Bank System.

As a level-1 branch located in developed coastal cities, Dalian Agricultural Bank has approximately 500 outlets with a savings of 15 billion yuan and a loan of 12 billion yuan. This is both a business entity and sufficient scale, therefore, the success or failure of business intelligence is of reference significance. In the interview, the main person in charge of the Science and Technology Department of Dalian Agricultural Bank and the business personnel from the Statistics Department were interviewed. Director Cao Jun of the Science and Technology Department expressed his thoughts at the beginning of building a business intelligence system, "With the development of banking business, the internal leaders have a lot of immediate and unpredictable information needs, making it difficult for the technology department to cope with this situation. Therefore, how to transform business data into analysis information to provide accurate market vision and direction for decision-making managers is mentioned on our agenda. "In addition to looking at requirements, you must consider other conditions when using the BI system. The Science and Technology Department of Dalian Agricultural Bank summarized the prerequisites for establishing a BI system as follows: implementing a business network system centered on municipal behavior and covering all urban and rural outlets, that is, the hard foundation of data sets, it ensures smooth information collection channels, and lays a soft foundation for sound and stable management and operation mechanisms of banks. In the selection of BI products, IBM products have become the preferred solution for Dalian ABC with a complete solution, the advanced features of easy development and analysis models, and the high compatibility with heterogeneous platforms, ibm udb database), DB2 Warehouse Manager, and IBM DB2 OLAP Server multi-dimensional database Server) undertake various stages of tasks from databases to BI applications.

How can I start with a wide variety of banking services? Director Cao told the original committee that statistical reports cover a large number of business departments, which has a great impact and benefits to play. Moreover, the Department of Science and Technology already has a demand model for the statistical system, which is easy to use, therefore, the first phase of the Business Intelligence System project is implemented starting with the statistical report.

Operability is the focus of the Science and Technology Department of Dalian Agricultural Bank in the implementation of the system. The experience they have summarized is called: "construction, application, and effect, application to promote development, and simplification, practical and advanced. "In the past, the fastest Report of ABC in Dalian was once every two days. The price paid was the need to mobilize additional manpower. Generally, it was once every ten years and the daily report obtained after the business intelligence system was adopted. The timely generation of daily reports has brought significant improvements to the operation and management of Dalian Agricultural Bank. The President can view the real data of savings, loans, and payments on the computer, and make decisions as soon as possible, the new system can monitor and reduce risks in a timely manner. The new system reduces the investment in manpower and material resources at the grassroots level, and reduces the labor intensity of statistical work. Reports can be customized and can be drilled, it can be rotated, modified, and displayed in a variety of graphical methods automatically. Special Report personnel are no longer required for various business offices of municipal authorities, this laid the foundation for streamlining the organs and institutions in the next stage. The results of Phase I project allow the leaders and colleagues in the business department to provide more support and cooperation for the work of the Science and Technology Department.

Currently, the second phase of the project is being officially launched. Major projects include credit customer analysis, credit card customer analysis, intermediary business benefit analysis, and analysis of various business assessment indicators. At present, in addition to data collection, the Business System of Dalian Agricultural Bank provides more or less analysis functions. However, their hardware and software platforms, operating methods, and forms are diverse, making it difficult for decision makers to grasp all of them. Therefore, the next step of the system will be to achieve that in the future, each business system will only undertake data collection tasks, and all the analysis work will be completed by BI, both the analysis of individual businesses and the analysis of integrated businesses, unified Analysis caliber and report style.

Currently, ABC Dalian uses the IB software running on the NT platform. Because the databases, data warehouses, and analysis tools used are all IBM products, in addition, because IBM products support cross-platform and scalability, after the BI system is upgraded to the UNIX system, Dalian Agricultural Bank can still easily complete the process.

The construction of the BI system is a long-term project, and the application of the system requires a large amount of data as the basis. Director Cao said with deep feelings: "A one-day late BI system will waste one day of data resources, when we first set up a system last year, we can only accumulate data based on the volume of daily reports and monthly reports. This year, we can accumulate data based on daily reports. "At the next stage, the system will develop the customer's early warning application to promptly detect various illegal operations and potential risks. It will make a predictive analysis of the customer to determine the market trend and the direction of the Bank's development. The improvement of the management model and business philosophy of Dalian Agricultural Bank of China will be greatly promoted by the BI system. With the gradual deepening of application, it will surely become more advanced.