基于持卡消费行为的客户细分模型研究  

Research on Customer Segmentation Model of Credit Card Consumption

作　　者：吴靖[1] 林政[1] 

机构地区：[1]中央财经大学,北京100081

出　　处：《中央财经大学学报》2005年第6期67-70,共4页Journal of Central University of Finance & Economics

摘　　要：客户细分模型是指选择一定的细分变量,按照一定的划分标准对客户进行分类的方法。客户细分的目的是为了更好地了解客户并提供个性化服务。本文使用的样本数据为银行卡消费数据,选择消费金额和消费金额差异率为细分维度,建立了银行卡持卡消费客户细分模型。Customer segmentation model refers to a model that classifying customers by selected segmentation variables, on certain standard. Customer segmentation can uncovers different customer characteristics in order to provide personal service. In the paper, we establish credit card consumption segmentation model by using relevance data as our model-building samples and devise consumption expenditure and fluctuate-rate matrix as two dimensions.

关 键 词：客户细分模型 聚类分析 

分 类 号：F830.46[经济管理—金融学]