According to IDC , human-generated data is growing exponentially, doubling roughly every two years. Information processing capability is one of the core competitiveness of rural commercial banks. If the concept and technology of big data can be introduced, it will effectively improve the level of informatization and significantly improve the efficiency of data analysis and business decision-making. However, the legend of Fanruan found that the rural commercial banks, which are an important part of the banking industry, lag behind in the application of big data. This is mainly because the rural commercial banks did not consider the application of data in the early informatization construction.
Overall, the information application of rural commercial banks has the following problems:
1. Rural commercial banks generally have multiple systems, such as performance, supervision, etc., and these systems are mostly built by different manufacturers, with different data formats, report styles and analysis latitudes. Business departments habitually enter the business system for report viewing and analysis. Even if a unified reporting platform is deployed, the style is difficult to adapt. At the same time, with the passage of time, due to the multi-system viewing data, the statistical caliber will be inconsistent and the calibration data will be very difficult. . However, because the front-end analysis is scattered in various systems, the decision-making layer cannot effectively summarize and analyze, and the value of data participation in decision-making is difficult to exert.
2. There are many changes in the reporting requirements of rural commercial banks. These reporting requirements generally come from the new reporting requirements brought about by business development, the reporting requirements that the leaders of the rural commercial banks are concerned about, the temporary needs of business personnel and the needs for changes in the statistical caliber of reports. Although the Ministry of Science and Information Technology worked hard and stayed up late, these demands could not be responded to in time. If the demand cannot be responded to in time, it will cause the decision-making layer to be unable to view the information of concern in time, and it is necessary to perform a secondary analysis of the data by itself, which increases the difficulty of decision-making. Business departments often have to adjust and make reports by themselves, which is difficult, repetitive, and slow to respond to decision-making needs. The business department and the science and information department are very painful.
Third, the problem of statistical caliber is very obvious. The reports brought by the system are usually developed from the perspective of provincial associations to collect statistics on credit, supervision and other data, but they cannot be downloaded to the local network. If local banks and subordinate banks have needs, such as adjustment of statistical calibers and personalization within the bank It is difficult to meet the requirements, activities, and data extraction requirements of subordinate lines. This further increased the pressure on the Ministry of Science and Technology.
In order to solve these problems, many rural commercial banks are also aware of launching a unified data analysis platform to achieve diversified and multi-dimensional data analysis, in order to provide strong data support in customer analysis, channel analysis, risk analysis, marketing analysis, etc. But after all, I don't know how to build and what kind of unified data analysis platform to build. Here, the legend of Fanruan combines the projects of Tongshan Rural Commercial Bank's unified report analysis platform, Xinyi Rural Commercial Bank's bank-wide report platform, and Xinchang Rural Commercial Bank's deposit and loan platform. exhibit.
The first is to clarify the definition of the unified data analysis platform of rural commercial banks. Here, according to the informatization background of rural commercial banks, five aspects are proposed:
1. Leader-oriented: All-round data display can support their convenient and accurate decision-making;
2. Business-oriented: report changes do not require repeated manual processing, and can quickly respond to their business needs;
3. For Xinke: Provide report maintenance tools, reduce the amount of development, and improve the response speed;
4. Data-oriented: build a data warehouse, take data processing as the core, and unify the data caliber;
5. Query-oriented: Front-end reports can be embedded in various systems in the early stage, and will be gradually unified in the later stage.
The second is to clarify the functional structure and functional requirements of the unified data analysis platform of rural commercial banks.
1. Structural requirements:
1. Analysis of leadership decision-making: Aiming at the overall business objectives and management situation of the entire bank, a comprehensive business intelligence solution integrating multi-system data integration, reporting center, analysis center and control center of rural commercial banks. Respond flexibly and quickly to management changes in the financial industry, and build a complete set of auxiliary decision-making analysis systems for rural commercial banks. Such as: expected interest income analysis, customer relationship analysis, business target analysis, key customer source analysis, etc.
2. Customized business reports: to meet the management analysis reports provided by the People's Bank of China, the China Banking Regulatory Commission, the Provincial Associated Press and other regulatory authorities. It is a custom report.
3. Customized and flexible query: Bank leaders, management departments, business lines, grass-roots bank leaders, field supervisors, and accountants can customize statistical reports such as query sources and query sources according to their own management needs. Such as: deposits and loans, customer information, card transactions, etc.
4. Mobile terminal query: Provide mobile terminal viewing methods for business departments and line leaders, and effectively use fragmented time.
2. Functional requirements:
1、底层数据获取：支持省下发经营数据和本地数据库数据；
2、管理报表查询：支持经营管理类、电子银行业务、信贷类、财务会计类的分析查询；
3、自定义前端分析：各业务部门底层cube构建，明确前端分析的操作角色，支持前端自由分析（数据钻取、图表联动、拖拽分析、回溯分析等）
4、跨平台检索查看：支持pc端、手持pad、移动端ios、移动端android；
5、统一平台管理维护：可以快速新增、调整、分配报表和数据分析，可以灵活的分配数据权限和报表权限。
最后，是选定开发工具。我们可以从上面的要求中看到，工具一定要满足多数据源关联、中国式复杂报表的制作、自助式报表、移动端和门户这些功能，传说哥接触的项目是采用finereport＋finebi的组合放上来解决的，当然市面上也有很多其他报表工具，大家可以依据自身条件进行选择。
好啦，到了文章到最好，我们再来总结一下农商行统一数据分析平台的价值，主要有五个方面。
一、各项统计报表问题解决：各项业务报表以各领导、科室为基本使用对象，以满足农信二代业务系统的交易信息为基础数据源，立足农信交易统计、业务分析、经营管理为主要建设目标。从农信核心业务存款、贷款、电子银行、中间业务、贷记卡、不良贷款、经营分析管理等七个方面出发，实现一系列的统计分析功能。
2. Analysis of leadership decision-making: Make full use of the construction results and flexibility of the data warehouse platform to establish a comprehensive, convenient and intuitive display platform that integrates operations, finance, performance, risk and supervision. Through historical trend analysis and vertical comparison of sub-branches , horizontal comparison of institutions and other models to analyze various aspects of operation;
3. Customized business reports. It is mainly aimed at the fixed change of the report format, the content is mostly processing reports, and the business personnel cannot prepare them by themselves, which is relatively complex, and needs to develop reports of related programs. Data is stored using daily processing. According to the actual sector classification, electronic banking, accounting, credit, risk control, etc. Can be displayed with custom graphics. Such as: 2D and 3D pie charts, bar charts, line charts, bubble charts, scatter charts, funnel charts, pyramid charts and cone charts and other graphic display methods.
Fourth, the custom query report. The custom query is mainly for the relevant business personnel to customize the query report and share it according to their own analysis needs; the data is processed and stored on a daily basis. Reports can be quickly generated according to the report format in a timely manner. Can be displayed with custom graphics. Such as: 2D and 3D pie charts, bar charts, line charts, bubble charts, scatter charts, funnel charts, pyramid charts and cone charts and other graphic display methods. Inquiry is convenient, without the intervention of technical personnel.
5. Mobile applications. When leaders go out to communicate, they can check the business analysis status in real time, make quick comments on the displayed results, and send the results in WeChat mode; the device binding mechanism avoids data leakage in the bank due to the loss of mobile phones, etc., and supports the mode of QR code scanning server , which is convenient for quick configuration query on the mobile phone.
[Original author of the article: Fan Ruan Legend Brother, WeChat ID: frbiaige. ]
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