Z****n 发帖数: 383 | 1 从精华区面经里扒出来的,感觉有点困惑
customer loss怎么算的,为什么可以假设前后profit不变。这样会导致后面的方程出
现非一次的?
欢迎大家来讨论
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credit limit 5000
account balance 2000
Interest rate(customer) 16%
cost per card 40
annual fee 20
interest rate(C1) 6%
defalult rate 2%
[20-40+2000*(16%-6%)]-5000*2%
=180-100
=80
if credit limit drop from 5000 to 3000
1>other things been equal, what will the profit change
80+(5000-3000)*2%=80+40=120
2>if profitable stay the same,
1. how much can account balance change
120-80=(A/B-A'/B'-(16%-6%)
A/B CHANGE=400
2. how many customer may leave
120N'=80N
N'=2/3N
X轴 customer loss Y轴 account balance change
一弧线 profit=80 问与X Y轴的交点坐标
问线外点是有利还是无利
which is the 最优点
原点
问 原点时 profit 多少
同question 1> 120
========(end)=========== | Z****n 发帖数: 383 | 2 没人愿意看看?
听recruiter说面试政策2014年1月开始有些改动,具体没听清楚,欢迎刚刚面过的分享
下面经,谢谢! |
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