Applications Of Data Mining In Credit Card Business Of Commercial Banks

With the further deepening of economic globalization, the world has already integrated into a whole. As the global financial crisis broke out recently, the home banking sector was influenced by the crisis somehow in the process of China's opening-up in the financial sector. The influence brought by the crisis in the credit card sector can not be avoided because of its high permeation ability and high profit ratio. The phenomenon of decline of consuming amount by the banking card, the decrease of profit and increase of risk of the credit card appeared recently. It embodies the low profit created ability and weak risk control ability.For enhancing the profit-make ability and risk control ability, it is necessary to refer to high efficiency and accurate data analysis and knowledge discovery technology in the development of credit card sector. In the background of such developing trend, the author suggests the tactics of credit card profit-making analysis and risk control based on the data excavating technology and set up a credit card data storehouse. In the same time, the author research and analyze the credit card affair model dedicatedly.The article introduces the definition of the credit card and the development and current situation of the credit card in our country and around the world. The article analyzes the reason of the insufficient profit making ability and risk control ability of in the credit card affairs of the commercial bank in China thoroughly. The reason of the above problems is insufficient utilization and analysis of the information about the card holders,the information of the card distribution, the information about the card consuming, the circle amount. The above information can not be used to support the daily decision-making and protect the risk from being out of control.Afterwards, the article refers to the digging-up technology and introduces its utilization in the banking sector. The author also analyzes the utilization of the digging-up technology in the credit sector thoroughly. In the fact, it extracts the useful but unknown and implied information and knowledge from a great deal of noisy, incomplete, unclear and random data. The result of this technology is to get the useful knowledge and information. It is the very vital technology support in the credit card development.Next, the article analyzes the element and utilization of digging-up technology from the credit card data storehouse and introduces the way of improving the risk-control and profit-make ability of credit card affair in China from taking the concrete data model as an example.In the end, the article makes a conclusion on the important meaning of the data digging-up technology in the development of the credit card affair in the commercial bank and looks ahead its future. With the comprehensive utilization of the digging-up technology and data storehouse, the credit card affair of the commercial bank will develop fast and get the competitive power.