Commercial Banks Value Of Consumer Credit Archives

Commercial banks are an important part of the financial sector, thedevelopment of the entire national economy plays an important supporting role.Nearly a year, due to changes in financial policies and regulatory agencies toimprove regulatory standards, business between the homogenization of theindustry has tended to the business environment of commercial banks faceunprecedented challenges. In this highly competitive financial climate, commercialbanks must take the differences in management of the road, in order to improvetheir competitive advantage and enhance the management capacity of commercialbanks to enhance their core competitiveness in order to obtain the survival anddevelopment. Therefore, improving the commercial bank management andcompetitiveness of the ways and means of interest by commercial banks,commercial banks, consumer credit archives of scientific management to achievethis goal, will play an irreplaceable role. Firstly, from the perspective of the valueof consumer credit archives, introduced the use of customer credit status ofarchival value and analyze the factors influencing the development and utilization.Secondly, DY banks, for example, the use of data mining - both descriptivestatistics and cluster analysis methods on the development of consumer creditinformation file using an empirical analysis, that the value of consumer creditarchives, made use of consumer credit archives information value approach.Finally, it is only a scientific approach commercial banks, according to consumercredit archives information to find the value of high-quality customers and clientsto develop marketing programs to differentiate to meet the different levels ofcustomer demand for financial products for banks, the banks and their customers inthe ongoing of cooperation, to contribute for the impressive Bank of customerdelivered value, enhancing the effective use of bank credit funds, the eventualestablishment of bank and win-win situation.