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中文摘要：
利用非参数统计法,能减少实际应用中对假设条件的依赖,不受样本分布形式的限制。以信用卡信用额度调整时间为研究对象,重点分析信用额度调整时间与客户欠款之间的关系,讨论不同信用额度的改变时间对客户欠款造成的影响。通过非参数统计法,得出了使客户欠款增加的各类信用额度调整时间及最佳调整策略,同时对该结论的可推广性进行实证研究。
英文摘要：
Using non-parametric statistical method that can reduce reliance on the practical application of assumptions,free sample distribution in the form of restrictions.Credit card credit adjustment time for the study,focuses on the relationship with the customer credit owed to adjust the time between,discuss the impact of changes in different time credits owed to customers caused.Through non-parametric statistics,obtained enabling customers to increase the types of credit owed to adjust the time and the best adjustment strategies,while the conclusion of replicability empirical research.
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