Research on the Behavior Analysis and Prediction of Credit Card Fraud

摘要

With the development of economic globalization and the improvement of information technology, the new consumption mode of credit card overdraft is gradually applied in China, and there is a tendency of expanded scope of use. While development and challenges coexist, the problem of credit card fraud is increasingly exposed. This kind of fraud greatly hinders the development of national financial system, brings new problems to the risk control of commercial banks, and seriously affects the normal operation of market economy. Therefore, it is urgent to analyze and solve the problem. Based on this, this paper first explains the current situation of credit card use in China, explains the meaning of credit card fraud, then analyzes the motivation, influencing factors and identification consequences of fraud, and then establishes a monitoring and identification model of credit card fraud based on data mining algorithm and machine learning technology.