This　paper　firstly　introduced　the　credit　business,　then　used　CRM　data　warehouse　base　data　model　to　design　a　personal　credit　data　model.　The　authors　found　that　the　CRM　data　warehouse　base　data　model　satisfied　the　requirement　of　personal　credit　business　basically.　We　continued　to　modify　the　data　model　according　to　the　character　of　credit　business,　and　established　the　personal　credit　data　warehouse　data　model.　Finally　a　credit　data　warehouse　data　base　model　was　constructed.