Applied Research, Data Mining Technology In The Credit Card Data

Along with credit card market growing strong, the competition between business are becoming more and more sharp, people has gradually realized the importance of customer to the enterprises that is without outstanding customer sources, the enterprises can not able to develop further. Therefore, it has become one of pressing subjects to all business banks that how to understand more about customer's information and turning this information into "knowledge" so as to provide high quality personnel service, improve customer's satisfaction, maintain and find high value customers.The technology of Data Mining could find some unknown, valuable rules among thousands of business customers information data so as to help commercial banks to the management intellectualized, the decision-making to be reliable, the localization goal priced develop, also provide the individuality for various commercial bank credit card service to provide the powerful support.The article mainly researched the pattern and application of Credit Card's consumption data. According to the credit card's consumption data compare the methods of Data Mining and decide to select one in all methods. Made use of Data Mining method to subdivide customers, to choice the core indexes of customer , analyze the value computation of customer ,propose the corresponding model, and carried on the model in data mining tool SPSS Clementine 8.0, obtained the valuable patterns. this thesis brought forward some new credit card marketing strategies and personalizing marketing methods which were based on data mining technology. The research would provide commercial banks operating credit card business with new ideas and help commercial domestic banks improve credit card service to achieve competitive advantages, and have a useful try in application of customer analysis in sell business.