基于数据挖掘技术的小额授信方法研究与实践  

Research and Practice of Micro Credit Method Based on Data Mining Technology

作　　者：范恒宇 FAN Hengyu(Beijing Yaxin Intelligent Data Technology Co.,Ltd.,Beijing 100193,China)

机构地区：[1]北京亚信智慧数据科技有限公司,北京100193

出　　处：《信息与电脑》2021年第4期162-164,共3页Information & Computer

摘　　要：当前电信运营商中低端预付费用户群占比高,但是由于信用风险较高,自有的信用体系并未覆盖到中低端预付费用户,导致这批用户忠诚度低、离网率高、价值流失率高。通过丰富的业务经验和精准的数据挖掘手段对中低端预付费用户进行单独分析,对其中的潜在低风险的具有价值延续性的用户进行小额授信和专项运营,可以有效提升用户使用体验和忠诚度,降低用户价值流失率。At present,the proportion of low-end prepaid users in telecom operators is high,but due to the high credit risk,the self owned credit system does not cover the low-end prepaid users,which leads to the low loyalty,high off network rate and high value loss rate of these users.Through rich business experience and accurate data mining means,we can analyze the low-end prepaid users separately,and carry out micro credit and special operation for the potential low-risk users with value continuity,which can effectively improve the user experience and loyalty,reduce the loss rate of user value,and then promote the overall user value of telecom operators.

关 键 词：电信运营商 小额授信 中低端 预付费用户 价值提升 

分 类 号：TP183[自动化与计算机技术—控制理论与控制工程]