Credit Management Research In Yunnan Mobile

With the advent of the era of3G, Chinese telecommunications market becomes more and more competitive between China Mobile, China Telecom, and China Unicom. Good service and a high rating of customer relationship management is the key to win the market competition. Credit management are getting started in the mobile operators when it has been widely used in the financial industry for individual customer credit. Some operators have been attempted to carried on the mobile customer credit management, and assessed the customer’s credit through analyzing the customer behavior data. Then they awarded a certain fee overdraft to the client according to the evaluation results. As a result, this way is convenient for client and effective to control the arrears risk. At the same time, this method raises the level of refinement operations and services to improve satisfaction of customers and the profit of operators.Before2013, Yunnan Mobile Company granted to certain fee overdraft to a little customer, but97%of the total customer do not be evaluated the credit risk and offered the credit service. At the same time, the customers frequently in or off network lead to customer lost, because off network has a low threshold.In this paper, the focus is evaluation of the prepaid customer of credit standing, through Yunnan Mobile Company credit management research. The writer analyses the core index related to off-grid and arrears users, relying on large amounts of basic data in Yunnan Mobile Company business analysis system, and use correlation analysis and cluster analysis to construct the credit evaluation model to evaluates the credit rating for customers in Yunnan Mobile. The model evaluates credit standing and risk for customers. It is widely coverage, easy to implement, and accurate identification the arrears risk of customers. On this basis, the writer defines four categories of credit for different credit rating customers, and designs the credit amount and overdraft time limit through researching the requirements and the lack of risk control, and avoids some problems that customers overdraft high amount and long time.The writer designs the Marketing measures for different ratings of customers. Yunnan Mobile provide the services of emergency boot and guarantees for others boot to high credit rating customers, and provide some particular discounts such as targeted preferential services and marketing measures to different credit rating customers, in order to improve the credit management level of Yunnan Mobile, promote customers loyalty and satisfaction, keep and improve the level of customer’s consumption level, raise the threshold of loss, further enhance the refinement of the operating ability of Yunnan Mobile Company.