Big Data Mining Analysis Design Of Products For A Credit Card Account

The prosperity of the consumer financial market has driven the rise of credit card business,which has brought difficulties to its risk management and business analysis.From the background of Internet big data to the financial problems brought by credit card business,this paper puts forward a financial plan.The financial plan using SAS software for bank credit card customer approval,client activity analysis,user behavior analysis,analyzing the overdue receivables,etc,formed modern risk control big ideas.Finally,the advantages,disadvantages and practical significance of the scheme are clarified.In order to visually display the research methods and ideas,the scheme is based on the data of XX bank credit card system.The paper is divided into five parts:The first part introduces the research background and significance,contents and methods,innovation points and deficiencies,related concepts and methods of credit card big data management.Among them,relevant concepts and methods define the meaning of credit card risk and credit card risk management from the conceptual level,as well as the new connotation given to it in the era of Internet big data.In terms of methodology,this paper introduces the subjective rating method,credit rating method and FICO of credit card risk management.The second part mainly discusses the background and specific description of credit card practice.This paper puts forward the background of the financial problems and the background of technological conditions,and explains the management status of credit card business in the macro environment of credit card development.The third part is the research status and the research value analysis.From the research direction,the influence factor,the supervision system three Angle analysis the research situation.This paper explores the research value from three perspectives: profit point positioning,information mining demand and high efficiency demand.The fourth part is the financial plan design of XX bank.It mainly includes the design concept and basic idea,the specific content of the scheme design,the possible risk of the scheme and its countermeasures.Scheme from credit card approval,customer activity and thechange of asset four angles,early warning,card users' behavior of XX bank credit card application,management and use of the data analysis and the summary,for the relevant bank practitioners use the results of the analysis to facilitate the approval decision,collection management,etc.The fifth part is the practical inspection and application of credit card mining analysis.Firstly,the practicability of the mining analysis scheme is analyzed from three aspects: data source,simple operation and low cost.From the analysis dimension,risk control,product pricing,cross-selling,business management five aspects of the application of the plan.To sum up,in the big data internet background,the response of bank mining high quality analysis of credit card data,the credit card credit card data mining levels to keep up with the pace of development,and create a healthy,high-quality and efficient credit card issuance,use and management of the environment,provides convenience for consumers to consume in advance,also provides a way for credit card business profits for banks.