从客户关系风险控制透支等多方面进行分析信用卡的应用.doc

摘要 随着信用卡发行量的增多、交易额的增大、市场的拓展以及竞争的日益激烈，不论是市场开拓人员还是管理决策人员都迫切地希望建立起一套信用卡业务管理和分析系统，以便安全高效地开展信用卡的各项业务。 本系统是以数据库为基础，然后结合软件开发与设计，从而实现其各个分析功能，给卡户和商户提供友好的操作、查询、分析等界面。并在可视化界面中，通过数据表、图形和报表等多方面给予用户直观的分析结果，可方便地进行查询分析。 关键词：风险控制，信用卡，商户，客户，信用评估 Abstract With the growing number of credit cards’ circulation , the growth of trade quantity , the expedition of market and the competition is becoming fiercer and fiercer, not only the marketing developing people of the bank but also the people who managing and making decision are eager to have a credit card management and analysis system. So that they can deal with the all kinds of business safely and effectively. In this paper, we introduce you a system which simulate the credit card’s data analysis system. And the main function of it is to make use of the data of the customer which accumulate from business system . And analyze through the part of customer relationship, the control of risk, overdraft and so on, at the end send out the char, result and report. And more, introduce how to design and realize the module of “control of risk”. This module contains: the analysis of the total number of overdraft; the analysis of overdraft card holder’s character; the analysis of the relationship between the total number of overdraft and card holder’s age; the analysis of the rate of the frozen ,lost, stop payment; the credit evaluation of the card holder and the cautioner. Through these analysis, some facilities may be improved , the risk may become lower, improve the faithfulness of the customers and keep the long time business relationship with them. This system is based on the database system, and combined with the design and exploitation by software to realize the analysis function and offer the card holder or businessman the friendly operation, inquiry, analysis form. And more give the user intuitionistic analysis result through data report and chart so that inquire or analysis more convenient. Key words: the contro