| At present,the speed of science and technology has reached an unprecedented new level and the mobile internet constantly infiltrate in various fields.The credit card business is meeting new changes,and there are unlimited possibilities for the payment methods.So the credit card industry is opening up a new era.Both the Fifth Plenary Session of the 18 th Central Committee and the 13 th Five-Year Plan have high hopes for stimulating domestic demand.Our governments and other institutions have issued many policies to encourage residents to consume.As we all know,it is an advantage for credit card products to stimulate consumption.With the development of the internet,many banks have begun to use them to help their credit card business to obtain new customers.Currently,the two main businesses of G Company are to help banks acquire new customers for credit card business and cooperate with banks to issue joint credit card.As more and more customers have had credit cards,the cost of obtaining new customers is rising.At the same time,the joint credit card business is facing the problem of high bad debt rate,which makes it difficult to make profits.The lagging and untimely analysis data and results from G Company's current data analysis system lead to its increasing cost of accurate recommendation,and the bad debt cannot be effectively improved either.Now,the big data technology which has the characteristics of volume,velocity,variety and value can help G Company to improve its current data analysis to solve the current problems.This paper first introduces the characteristics and advantages of the big data technology,as well as some researches for the application of the big data technology in various fields in the world.Then,it introduces the current situation of credit card market in China,and analyzes the difficulties in recommending credit cards through the current internet and mobile internet terminals.Thirdly,this paper combine the principles and characteristics of big data technology and the perspective of business characteristics and application scenarios to compare the big data analysis with current data analysis.Finally,this paper introduces and analyzes the current status,data analysis system and business process of G Company's business in detail,and point out the shortcomings.On this basis,G Company has begun to conduct the big data analysis test and use its analysis results to help them accurately obtain high-qualified customers and to reduce the bad debt rate of its joint credit card business,which can verify the feasibility of using the big data technology to accurately obtain customers for its two main businesses. |
