Classification In Credit Card Of Hangzhou China Merchants Bank

Since entering twenty-first Century, the enterprise began to pursue their own competitiveness. The all bank card user classification is to make use of advanced information technology and statistical theory, through bank business process data to integrate bank card users information resources and achieve bank card user's information matching of user's resources. To provide customers with more economic, more more thoughtful products and services, improve customer satisfaction and loyalty, to attract more customers, and ultimately realize the maximization of bank profits.In this paper, we use the customer of Hangzhou China Merchants Bank as the research sample.Select the customer's credit card deposit,monthly consumption amount, and consumption times as index.Using multivariate statistical analysis of clustering analysis, factor analysis and decision tree method by R software,.From multi-index, multi-method, multi-angle to accurately classify credit card users.Fully use user resources to maximize profits.