| 基于个人信用卡消费分析的客户分类指标研究 |
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| 引用本文： | 耿晨星.基于个人信用卡消费分析的客户分类指标研究[J].漯河职业技术学院学报,2011,10(1):72-74. |
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| 作者姓名： | 耿晨星 |
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| 作者单位： | 沈阳工业大学,研究生学院,辽宁,沈阳,110870 |
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| 摘 要： | 随着信用卡业务的蓬勃发展，信用风险成为金融风险的一项重要内容。在加强事后监控进行风险监控的理念下，基于个人信用卡消费分析建立了若干指标，可用于对持卡人的信用进行分类和授信控制。
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| 关 键 词： | 资金占有率 消费序列 累计消费额授信额度使用率 优良客户参数 |
Analysis on the Customer Classification Index Based on Personal Credit Card |
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| GENG Chen-xing.Analysis on the Customer Classification Index Based on Personal Credit Card[J].Journal of Luohe Vocational and Technical College,2011,10(1):72-74. |
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| Authors: | GENG Chen-xing |
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| Institution: | GENG Chen-Xing(Shenyang University of Technology,Shenyang 110870 China) |
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| Abstract: | With the rapid development of the credit card business,credit risk as an important element of financial risk.Ex post monitoring in strengthening the concept of risk management,this paper analyzed based on personal credit card to establish a number of indicators used for the classification of credit cardholders and credit control, |
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| Keywords: | Share capital Consumption sequence Total consumption Line of credit rate lending rate |
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