摘要
银行信用卡业务属于高收益、高风险的业务,如何实现对信用卡的客户流失控制是发卡银行迫切需要解决的问题.目前,随着银行积累了大量的数据,并建立了数据仓库,使得采用数据挖掘技术来实现信用卡客户流失分析成为了可能.利用双子支持向量机,基于某商业银行的信用卡数据,建立了信用卡流失分析模型,实验结果证明了方法的有效性.
Bank credit card business is a high-profit and high-risk business, and how to control the loss of credit card customer is an urgent issue. It is possible for making an analysis on the loss of credit card customer using data mining technology for a lot of data that the bank has accumulated and the establishment of data warehouse. In this paper we propose an analysis model on the loss of credit card customer based on twin support vector machines using the commercial bank＇s credit card data, and numerical experiments confirm the validity.
出处
《数学的实践与认识》
北大核心
2015年第17期85-92,共8页
Mathematics in Practice and Theory
基金
国家自然科学基金(11271361)
北京市青年英才计划资助项目
关键词
运筹学
支持向量机
双子支持向量机
数据挖掘
信用卡流失分析
operation research
support vector machines
twin support vector machines
data mining
analysis on loss of credit card customer
