Teradata banking data warehouse solution

When foreign banks enter the Chinese market, they often adopt differentiated service strategies, that is, they use standardized products, advanced management and services, and advanced information technology to win local gold customers and then expand the market. This requires domestic commercial banks to strengthen the construction of analytical application systems, strengthen business management and decision-making analysis, understand customer needs and credit risks, and develop new products and services, use existing channels to cross-sell customers, increase profitability, and provide Differentiated Services in the business field.

The teradata banking data warehouse solution first establishes a scalable and centralized data warehouse infrastructure, so that banks can establish a unified and accurate information view to achieve information sharing. This solution can be implemented from one or more branches, and then gradually expanded to include detailed historical data of the entire row. Based on the data warehouse infrastructure, teradata mainly provides six application products:

● Teradata Financial Industry Logical Data Model-Bank expansion (FS-LDM, banking extension );

● Balanced Scorecard/Business Indicator Management module;

● Asset and liability management module (ALM );

● Credit Risk Management );

● Value analyzer );

● Customer Relationship Management Module (CRM ).

The above systems can be customized according to the actual needs of banks.

Teradata Financial Industry Logic Data Model

The Logical Data Model of the teradata financial industry is the result of teradata's experience in implementing nearly 230 financial data warehouse projects around the world over the years. The entire Logical Data Model summarizes complex banking services into eight themes, including customers, products, accounts, events, channels, branches, geographical regions, and marketing activities, helps banks analyze profits, risks, sales and marketing, and channel management in depth.

Balanced Scorecard/Business Indicator Management

This module is based on the basic principles of the balanced scorecard, with reference to the specific experience of advanced international banks, combined with the actual situation of commercial banks, to help banks establish a balanced scorecard system and management index system. Business Management indicators include financial performance indicators, customer performance indicators, process performance indicators, and employee performance indicators.

Asset and liability management module

The purpose of this module is to enable banks to reasonably match assets and liabilities in terms of scale, term, and interest rate structure, and help banks coordinate the liquidity, security, and profitability of their operations, achieve an optimal balance between risk and return; help banks meet various regulatory requirements. This module system mainly includes three important components: data collection and storage, analysis methods and models, and report output.

Credit Risk Management

This module helps banks achieve comprehensive credit risk management and analysis, and promptly and effectively identify, quantify, and control risks. The system provides comprehensive credit analysis and risk-related analysis. It can effectively monitor, manage, and improve credit processes, calculate risks, adjust profits, and effectively assess the performance of credit officers. Main analysis methods and models include: portfolio analysis, scoring/rating model, default probability model (PD), Association Analysis, non-performing loan analysis, related analysis, guarantee information analysis, external information analysis, etc.

Profit contribution analysis

The main purpose of this module is to help banks understand the composition and distribution of internal profit contribution of institutions, so as to improve their own analysis and planning processes. Specific objectives include:

● Helps banks establish a set of fund transfer pricing, cost allocation, risk preparation and capital allocation methodologies suitable for actual needs.

● Net interest income (NIR), other income (or), direct cost (de), indirect cost (IE), risk preparation (RP) to calculate the profit contribution.

● Helps banks calculate and analyze the profit contribution of accounts, customers, products, channels and institutions.

Customer Relationship Management

This module helps banks establish a single view of customers, analyze basic customer information, products held, transaction behavior, and customer distribution, and communicate and manage customers, provide personalized services to customers. Provide appropriate products and services to customers through appropriate channels at appropriate time. Ultimately, the bank's operation and management methods have changed from product-centric to customer-centric. Helps banks establish customer loyalty, acquire new customers, retain valuable customers, and increase the profit contribution of customers. Main functions include: customer analysis, analysis and modeling, customer communication, personalized definition, optimal management, and contact management.