征信数据

加快征信数据的开放与信用数据库的建立。

Expedite to open credit date , to establish with credit database .

第二章介绍和分析了中美各自的征信数据环境，从信息公开方式及程度、征信数据库经营模式以及征信内容三方面对两国的征信数据环境进行比较。

Chapter two describes and analyses the credit data environment in both the USA and China in three aspects : the mode and degree of the information openness , the operation pattern of credit database , and the content of credit investigation .

信用信息的市场化是信用服务行业发展的客观基础，规范公共信息、征信数据的取得和使用程序，促进企业征信公司服务的市场化发展，致力于建设一个公平竞争和有效运行的市场秩序。

The credit information is the objective foundation of the credit service industry . With standardizing the acquisition and use procedures of the public information and the credit data , it will promote the credit service industry and lead to building a market order with fair competition and effectively running .

涉及到个人信用信息采集的方面，有利于或者不利于被征信方的数据都应当采集。

Related to the collection of personal credit information , the favorable or not favorable side of personal credit information should both be collected .

随着银行信贷业务量的逐步增多，个人征信系统的数据已经不仅仅局限于信用记录等传统运营范畴，更多的转向为各级机构提供社会综合数据服务的业务领域中来。

With the increasing of bank credit bussiness , the personal credit information system is not limited to the traditional operating areas such as credit history data , attention is turned to the business areas of providing social integrated data services .

针对个人征信系统海量数据的存储和应用需要高效能的数据组织结构问题，利用数据仓库的数据建模技术研究了个人征信系统的数据组织结构，设计了系统的数据仓库总体框架。

High efficiency is necessary to data organization structure for large amount of data storage and application of Personal Credit System . Studies the data organization structure of Personal Credit System based on modeling technology of data ware house and designs the data warehouse architecture .

阐述了征信业务的特点及组成，研究了如何利用CRM理论设计个人征信业务的数据模型，提出了以客户为中心的数据仓库模型。

This paper firstly introduced the credit business , then used CRM data warehouse base data model to design a personal credit data model .