基于数据仓库的国内商业银行个人客户信用风险管理

商业银行的实质是经营风险，而信用风险又是我国商业银行面临的最主要的风险．由于我国商业银行收入中绝大部分是贷款利息收入，因而信用风险管理的重要性对我国商业银行来讲，就更加突出．只有依托数据仓库，建立内部的不良个人客户信用信息库，使用数据挖掘工具进行风险建模，才是当前国有商业银行防范个人客户信用风险的着力点。

Individual Customers Credit Risk Management Basing Upon Data Warehouse

The essence of commercial bank is the management of kinds of risks. The credit risk is the most important one in the risk hierarchy of commercial bank. As far as Chinese commercial banks are concerned, interest is the dominant part of the whole income. So the management of credit risk is more important to Chinese banks. The only way to better management of credit risk of individual customers is to construct the creditinformation data base and use data mining tools to support the decision of individual customers credit basing upon data warehouse.