【正文】
te each of these data categories to provide meaningful prospect lists in rank order. Additionally, many bureaux will have the capability to further enhance the strength and value of the data. Through the selective purchasing of data from bona fide market sources, and by overlaying generic factors deduced from the analysis of the broad mass of industry information that routinely passes through their systems, the best international operators are now able to offer marketing and credit information support that can add significantly to the quality of new applicants. The importance of the role and standard of this data in influencing the quality of the target population for mailings, etc. should not be underestimated. Information that is dated or inaccurate may not only lead a marketer and the anization into embarrassment and damage their reputations, but it will also open the credit card scheme to applicants from outside either the target sector or ,worse still, applicants outside the lender’ s view of an acceptable credit risk. 學士畢業(yè)論文 3 From this, it follows that you should seek to use an information bureau whose business principles and operating practices ply with the highest levels of both petence and integrity. Developing the prospect database This is the process by which the raw data streams are brought together and subjected to progressive refinement, with the output representing the refined base from which prospecting can begin in earnest. A wide experienceoften across many different markets and countriesin the sourcing, handling and analysis of data inevitably improves the quality of the ideas and systems that a bureau can offer for the development of the prospect database. In summary, the typical shape of the service available from the very best bureaux will support a process that runs as follows: 1. collect and consolidate all data to be screened for inclusion。 3. sort and classify the data by market and credit categories。 and 5. consolidate and output the refined list. Bureaux will charge for the use of their expertise and systems. Therefore, consideration should be given to the volumes of data that are to be processed and the costs involved at each stage. The most costeffective approach to constructing prospect databases only undertakes the lowestcost screening process within the earlier stages. The more expensive screen