基于个人信用卡消费分析的客户分类指标研究

Analysis on the Customer Clarsification Index Based on Personal Credit Card

随着信用卡业务的蓬勃发展,信用风险成为金融风险的一项重要内容。在加强事后监控进行风险监控的理念下,基于个人信用卡消费分析建立了若干指标,可用于对持卡人的信用进行分类和授信控制。

With the rapid development of the credit card business, credit risk as an important element of financial risk. Ex post monitoring in strengthening the concept of risk management, this paper analyzed based on personal credit card to establish a number of indicators used for the classification of credit cardholders and credit control,