Design And Implementation Of The Management Analysis System Of The Credit Card

In this paper, we propose the design of the management analytical system of the credit card and set up the mathematics model of a credit card business decision. According to studying on the demand for existing credit card business development and the questions existing in the system used now, we have designed the analysis decision subsystem of the credit card, which realizes the function of risk predict , customer relation , business develop of decision ,etc; we present the subsystem of credit card information inform, which fulfills the function of the issue of financial information , the pressing for payment of overdraw of the credit card, etc.Considering the urgency of the need to the advanced service and the feasibility of implementation of technology in the development of the business of the credit card, and giving consideration to the need of future development of the business of the credit card, We will set up a management analytical system of reliable, safe, the norm, advanced and flexible modernized credit card business. In this credit card system, we have not only considered the development of the strategy of the business of the credit card but also considered the standardization of this system. We considered the scientific and technological current situation of the existing credit card management organization too at the same time. In the respect of design philosophy, this system reflects the basic principle of overall planning, the implementation step by step and perfection progressively. On the structure designed, this system includes the relatively independent three subsystems of inner link.Basic business. Based on existing credit card business, we have designed and realized the subsystem of management of the credit card. This system does business of the traditional craft and work of management, Such as the management of granting card business, the management of the special trade company, the management of the business of the bank and site, the management of POS business, the management of awarding the authority, the management of ATM business, the management of the trade, the treatment Business of the special card, etc. This system realized that business of the craft and people's management are turned into automation. And as a subsystem of the new system, this subsystem offers the basic business datum for other subsystems, is a implementation system of analysis and decision and a source of information of a subsystem of a information notice. Make policy and analyze. As the basic business data of the credit card management subsystem and other relevant business data got from other systems which is processed by the decision and analysis subsystem of the credit card, we get the decisive factor of development of the business and offer the basis of decision for manager. The analysis of this part includes mainly: the analysis of customer's composition, the analysis of customer's loyalty, the analysis of customer on the market group, the analysis of the customer service, etc. Customer relation analysis does analyze basic situation, account information, trade datum, etc by setting up customer single view. According to attribute of customers, we can analyze customer from different angle profound level and confirm different customer characteristics and behaviors of group. For example, the composition of analyzing the holder includes the factors of sex, age, income, region, etc. According to different customer group, we can analyze trade, consumer behavior and mode of different crowds, etc. we also assess the customer's loyalty, analyze the information of the customer service and the credit card holder group. Through Analyzing customer's relation, we can adopt different credit service to different customer, offer better and more pointed financial product and service to different customer. Then we can increase new customer with this, keep valuable customer, raise loyalty and satisfaction of customer, reduce customer loss rate, improve customer service quality ,etc. Meanwhile, we may find the risky customer t...