Unified regulatory data mart solutions

Scheme background

The advent of the internet economy era has led to a series of drastic changes in the external operating environment of the domestic banking industry, followed by huge changes in internal management. The pursuit of fine management and the realization of continuous growth in value have become the most urgent needs of commercial banks. Fine management requires the support of management accounting, performance management, budget management, pricing management, asset and liability management and other broad financial applications. Financial data mart is positioned as a unified open data platform of the whole bank in support of financial analysis, budget management, assessment and evaluation, decision support. The scale data, profit data, risk data, transaction data and subject summary data of commercial banks at account level, IOU level and client level are integrated to generate multi-level and multi-angle financial analysis data, so as to comprehensively analyze the development capability, profitability and risk level of banks from the perspectives of products, clients, institutions and departments, etc., provide more comprehensive, in-depth and detailed data for banks’ operational decision-making, resource allocation, capital management, performance appraisal and asset and liability management, and supply the data display platform to satisfy the diversified and multi-dimensional analysis needs of banks.

Scheme content

The financial data mart integrates the data of all data marts based on the data warehouse of the whole bank to realize the unified management of financial information and support the data service functions of relevant systems, providing strong technical support from data statistics to data analysis. It provides the graphical interface with simple operation, complete functions, flexible analysis means, and fast response to different levels of leadership, business managers and analysts, forming a unified portal for financial analysis, operation and management decision support of commercial banks.

Scheme value

Financial data mart aims to provide multi-dimensional data information platform for all departments which is with unified data foundation, unified business logic, unified business specification definition, and unified view. The establishment of the financial data mart will bring following values to commercial banks: promote the improvement of data system in the whole bank, achieving the integration of financial data based on the perspective of the whole bank. Realize the integration and processing of scale, profit, risk and transaction data based on the dimensions of products, clients and channels at the whole bank level, establish the financial data mart supporting the analysis on products, clients, credit cards and channels, and achieve the data integration of the whole bank. Formulate the business specification and data standards with unified view for the whole bank to support multi-dimensional business analysis. The definition of financial data mart covers the product dimensions of all kinds of businesses, realizing the product analysis from the perspectives of scale, profit, risk and transaction; it achieves the calculation of the contribution of clients at the whole bank, and completes the analysis on corporate account and retail (credit card) clients; it complies with the banks’ client development requirements and realizes the key customer category analysis, such as patterned clients, small-, medium- and micro-scale clients, clearing clients, green clients, etc.; based on the transaction, revenue and client analysis of various channels, it realizes the electronic rate calculation and supports the decision-making requirements of multi-channel management at the whole bank. The index specification and dimension required for financial analysis, operation and management decision are sorted out and defined to promote the standardization of index specification. A good technical platform is provided to support the development of each business. As a unified and open platform, financial data mart is used in all business departments, head offices and branches, which can maximize the use efficiency of resources and reduce or even avoid the repeated investment.