Data Mining Technology In The Bank Credit Card Business

The credit card business has a very good prospect in China,but the competition will become fiercer and fiercer. The problem how to understand further customers information and transfer them into the knowledge,so as to provide customers with better high quality personalizing service to retain and develop valuable customers,has become a very urgent project which the domestic banks are facing. The data mining technology can find some unknown and valuable knowledge from large amount of credit card business data. It undoubtedly provides banks' credit card business with powerful support.This thesis mainly researches the credit card data mart establishment and the application of data mining technology in credit assessment,customers and merchants value partition,customers consumptive preference. In addition,this thesis brings forward some new credit card marketing strategies and personalizing marketing methods which are based on data mining technology. The research will provide banks operating credit card business with new ideas and help domestic banks improve credit card service to achieve competitive advantages.This thesis's main innovation include as following:(1) Introduce the data mining technology into the analysis of domestic banks credit card business. Emphasize on the application of data mining technology in credit assessment,customers and merchants value partition,customers consumptive preference.(2) Research the problem of the credit card data mart establishment.(3) Complementarity bring forward the credit card credit scoring model which is based on other scholars' consumption credit research.(4) Complementarily bring forward the credit card customers value model and the concept of merchants' value and formula.(5) Bring forward some new credit card personalizing marketing methods.