The Analysis Module About Microcredit Companies’ Clients

Customer information assets is the focus of research, people gradually realize that the enterprise customer information management and utilization level directly represents the current and future competitiveness, so it is analyzed and the effective management of customer asset is particularly important. This study focuses on the small loan company customer analysis on the construction and application of model.This paper summarized the domestic and foreign customer analysis model, especially for the three domestic customer analysis field is a leading commercial bank customer relationship management (analysis model based on customer) are analyzed in detail; secondly, this paper uses the actual investigation and method of internal reference, the customer situation Chinese small loan companies are summarized; then based on the domestic and foreign small loan companies China model base and customer characteristics, the formation of small loan company customer analysis model; finally, a small loan company actual data, the small loan company customer model data validation, analysis and application of the scene. The key contributions of this paper are as follows:(1) summary of customer analysis and application of domestic interbank financial institutionsThrough the actual business research and related literature reference, the model of customer related industrial and Commercial Bank of China bank, Minsheng Bank, China Chinese China three bank’s construction and application are analyzed and summarized, and combing the construction of customer model for small loan companies advice.(2) characteristics of the Chinese small loan company customers for the empirical analysis and application of the sceneBased on a practical project, combined with the characteristics of customers at home and abroad library counterparts and consulting agencies, screening and summed up the China small loan company customer feature database, the data item is the basis for the further analysis of the model. At the same time, there is a small loan company’s organizational structure and market based on the characteristics, application of scene model is summarized.(3) a small loan company based on actual customer data, customer application verification model Finally, based on the actual data of small loan companies, small loan of product model in the model library of the actual data validation results, and verify the results of all the data are analyzed and the scene with a small loan company to the business sector, the final results are consistent with the business department.At present, for the small loan company customer analysis model research is relatively small, the research work of this paper can be added Chinese small loan company customer related research field, but also has important reference significance to other small loan companies use customer information.