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The credit card market is booming in China. Most Chinese Commercial Banks are issuing cards as fast as they can. CMBC is facing the tradeoff between market growth and the associated market risk. Because of the large volume and potential risk, there is a need a robust and flexible architecture to manage the historical data model future scenarios. CMBC has designed a three layer architecture to address these business opportunities. This paper will first outline the business environment then touch on the three layer design to demonstrate its flexibility.
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