An Empirical Study On The Credit Classification In The CRM Of Yunnan Mobile Company

Since 2008,it has broken the monopoly in telecommunication industry which majored by China Mobile and China Unicom,because of the split and reorganization.And the market competition has become fierce day by day.Fierce competition in the industry gives customers more options for choosing services and products.Operators in order to get together in the next big market share,have put the price war,the direct result of a significant decline in industry profits,customers repeatedly switch network operators,and even after enjoying the good marketing directly Failed card downtime,cost a great resource loss.On the other hand,the rapid growth of customer scale in telecom industry means that the growth of customer base means that many customer groups with different needs will be derived.Several major operators are trying their best to capture the market segments of various sub-groups,To achieve seamless connection between product service and customer needs,how to maintain old customers,acquire new customers and improve profitability has become the core proposition of major operators.The emergence of CRM system is considered to be the best choice to solve the above problems.The biggest difference between CRM and the previous business management system is the multi-dimensional analysis of customer needs and customer behavior,and the formation of effective and good interaction with customers to achieve customer Satisfied with the system design goals.The face of the telecommunications industry,a huge customer base and the accompanying huge amount of customer information,for the effective understanding of the needs of customers,data warehousing and data mining technology has been introduced.The original credit rating of Yunnan is completed by BOSS system.The reference data is based on the monthly consumption of customers.Its coverage is narrow,its ability of analyzing customer behavior is weak and its risk control is low,so it is difficult to meet the current demand.In view of the credit risk cost and high operating cost faced by day-to-day operations in Yunnan Province,it is urgent to join the corresponding credit evaluation system to make improvements in order to realize the differentiated design of customer service and risk prevention and control.Thispaper uses the financial industry and the telecommunications industry more decision tree technology for system construction,and the model into the existing data for testing,and credit extension of high-grade credit customers to increase the amount of credit,whether it is the probability of credit problems at all levels or The increase of corporate profits after credit shows the validity of the model.This paper mainly focuses on the relationship between logic and system architecture of the CRM system,credit rating system and decision tree model,discusses some ideas and opinions of the author in reconstructing the credit rating system,and aims to refine oneself from the practical level Business management and the use of information technology experience.