數(shù)據(jù)庫(kù)畢業(yè)設(shè)計(jì)---外文翻譯-其他專(zhuān)業(yè)-文庫(kù)吧資料
2025-01-27 11:56本頁(yè)面
【正文】 ofit and lesser bad debt required to achieve the financial objectives of the scheme. This chapter considers the range of data sources available to support the development of a credit card scheme and the tools that can be applied to maximize the flow of applications from the required categories. Data availability The data that makes up the ingredients from which marketing campaigns can be constructed can e from many diverse sources. Typically, it will fall into four categories: 1 the national or regional register of voters。 2 the national or regional register of court judgments that records the oute of creditordebtor legislation。 and 4 mercially piled data including and culled from name and address lists, survey results and other market analysis data, . neighborhoods and lifestyle categorization through geodemographic information systems. The availability and quality of this data will vary from country to country and bureau to bureau. Availability is not only governed by the extent to which the responsible agency has undertaken to record it, but also by the feasibility of accessing the data and the extent (if any) to which local consumer legislation or other considerations (. religious principles) will allow it to be used. Other limitations on the use of available data may lie in the simple impossibility or expense of accessing the information sources, perhaps because necessary consumer consent for divulgence has been withheld or because the records are not yet stored electronically. 學(xué)士畢業(yè)論文 2 The local credit information bureaux will be able to provide guidance on all of these matters, as will many local trade or professional associations or the relevant government departments. Data segmentation and Analyses The following remarks deal with the ways in which lawfully obtained data may then be processed and analyzed in order to maximize its value as the basis of a marketing prospect list. Examples of the types and uses of data that will play a role in the credit decision area are discussed later in the chapter, within the context of application processing. The key categories into which prospects may be segmented include lifestyle, propensity to purchase specific products (financial or otherwise) and levels of risk. The leading international information bureaux will be able to provide segmentation systems that a
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