Under The Background Of Big Data Evaluation Of The Commercial Bank Credit Card Business Profitability

With the development of economy, people's material demand is increasing day by day.At the same time, the consumption concept of our country is gradually changing. By the previous conservative consumption,to advance consumption now,by saving money to live up to now, the loan to buy a car. In the tide of economic globalization, while the people's ideas are changing, but also in a step by step progress. However, with the rapid development of personal credit industry,the development of the line card business also ushered in the climax,but with the speed of development of credit card does not match the profitability of credit cards but stop, into a bottleneck. With the arrival of the era of big data, on the one hand gave me a commercial bank has brought new opportunities for development, while on the other hand,also brought a serious challenge. Whether the commercial banks of our country can seize the opportunity of the times, improve the profitability of credit card, and reduce the risk of credit has become an important issue in the development of commercial banks in China.This thesis through the analysis to the environmental era, understand the present stage our country commercial bank credit card business development and analysis of big data technology development to the commercial bank credit card the profitability of the business impact, combined with related elements of big data technology, establish the evaluation model of the profitability of the business of our country commercial bank credit. Also in PF bank, JS bank and Bank of JT, for example, respectively on the line card business profitability evaluation, through the evaluation result to find out source to affect the credit card industry also profitability, and put forward the corresponding solution.