文档介绍：.页眉. .页脚. 摘要随着信用卡发行量的增多、交易额的增大、市场的拓展以及竞争的日益激烈,不论是银行市场开拓人员还是管理决策人员都迫切地希望建立起一套信用卡业务管理和分析系统,以便安全高效地开展信用卡的各项业务。本文介绍的是一个模拟信用卡数据分析系统,其主要功能是利用业务系统所积累的有关客户的各类数据来获取信息,从客户关系、风险控制、透支等多方面进行分析,然后导出图形、报表与结论。更着重介绍了对“风险控制”模块的设计与实现,此模块包括:透支总量的对比分析;透支持卡人的特征分析;透支持卡人的年龄层次分析;冻结/止付/挂失卡的比例;持卡人、担保人的信用评估等,经过对这些分析可以加以改进各项设事、减少风险度、有效地提高客户忠诚度,并与之保持长期的和有益的业务关系。本系统是以数据库为基础,然后结合软件开发与设计,从而实现其各个分析功能,给卡户和商户提供友好的操作、查询、分析等界面。并在可视化界面中, 通过数据表、图形和报表等多方面给予用户直观的分析结果,可方便地进行查询分析。关键词: 风险控制,信用卡,商户,客户,. .页脚. Abstract With the growing number ofcredit cards ’circulation ,the growth oftrade quantity ,the expedition ofmarket and petition ing fiercer and fiercer, not only the marketing developing people ofthe bank but also the people who managing and making decision are eager tohave acredit card management and analysis system. Sothat they can deal with the all kinds ofbusiness safely and effectively. Inthis paper, weintroduce you asystem which simulate the credit card ’sdata analysis system. And the main function ofitisto make use ofthe data ofthe customer which accumulate from business system .And analyze through the part ofcustomer relationship, the control ofrisk, overdraft and soon, atthe end send out the char, result and report. And more, introduce how todesign and realize the module of“control ofrisk ”.This module contains: the analysis of the total number ofoverdraft; the analysis ofoverdraft card holder ’scharacter; the analysis ofthe relationship between the total number ofoverdraft and card holder ’sage; the analysis ofthe rate ofthe frozen ,lost, stop payment; the credit evaluation ofthe card holder and the cautioner. Through these analysis, some facilities may beimproved ,the risk may e lower, improve the faithfulness ofthe customers and keep the long time business relationship with them. This system isbased onthe database system, bined with the design and exploitation bysoftware torealize the analysis function and offer the card holder orbusinessman the friendly operation, inquiry, analysis form.