统计研究 ›› 2009, Vol. 26 ›› Issue (8): 71-76.

• 论文 • 上一篇    下一篇

信用卡信用额度变化与其收益的 关系研究——基于非参数统计方法

王连 黄皛贇   

  • 收稿日期:1900-01-01 修回日期:1900-01-01 出版日期:2009-08-15 发布日期:2009-08-15

Study on Relationship between the Change Rate of Credit Limit and Bank Profit---Based on Nonparametric Statistical Methods

  • Received:1900-01-01 Revised:1900-01-01 Online:2009-08-15 Published:2009-08-15

摘要: 本文以信用卡信用额度为研究对象,着重分析了信用卡信用额度变化与其带来的银行收益之间的关系,讨论了信用额度改变对其收益造成的影响。提出了“各类客户收益总差异等于人群差异加上信用额度差异”这一公式,并借助现代统计分析技术中的多种非参数方法得出了使银行未来一年收益最大化的信用额度改变范围,同时提出了对信用额度设定的一些参考意见。

关键词: 信用额度, 银行收益, 非参数统计

Abstract: This paper investigates the credit limit and studies the relationship between the change rate of credit limit and bank profit. It focuses on how the change of limit affects bank profit. The author advances the formula which shows the whole difference of revenues of all kinds of customers equals the combination of the difference caused by different group of people and the difference caused by credit limit. Then, by use of several nonparametric methods, this paper gets the range of limit-change-rate which can obtain the maximum profit in the next year. And besides the analysis results, the paper also gives some suggestions.


 

Key words: Credit limit, Bank profit, Nonparametric statistics