Research And Application Of Data Mining In Cross-marketing Credit Card Of Commercial Bank Debit Card

In recent years,the international trade friction has intensified,and the domestic economic growth has slowed down.Banks in the world are facing enormous pressure and challenges: the revenue growth brought by the traditional profit model has gradually slowed down,and the customer capital resources have been eroded by the Internet business mode such as Alipay and WeChat payment.The problem of low capacity and high cost of commercial banks has become increasingly apparent.This paper mainly studies the selection of credit card customers from the perspective of the ability and cost of commercial banks to obtain customers.The topic is derived from the credit card recommendation module of a commercial bank's new large-data intelligent marketing recommendation system.Based on the analysis and design of system requirements,the paper cross-marketing credit card with debit card according to the basic presentation and recommendation technology of data mining.The marketing module has been studied and realized.The main work is as follows:(1)Analyse the data of debit card users who have credit card and potential customers of credit card,and the cross-marketing model of debit card is established based on business logic.(2)On the basis of customer data collected,the data are pre-processed firstly,and logistic regression model is established according to the data characteristics and the objectives to be achieved,and the final variables of the model are determined,and the model is evaluated.(3)The model is trained with training data,and tested and applied in the actual scene.Through the research on the application of cross-marketing credit cards of debit cards in commercial banks,data mining is applied to specific business scenarios,and the recommendation of credit cards among customers of stock debit cards is realized,thus improving the bank's earnings.