基于数据挖掘技术的银行客户信息分析及运用研究-工业工程专业论文.docxVIP

基于数据挖掘技术的银行客户信息 基于数据挖掘技术的银行客户信息 分析及运用研究 摘要 如何将数据仓库及数据挖掘的相关技术应用于银行业的业务管 理，是目前银行业迫切需要研究的领域。该领域包括对于数据仓库和 数据挖掘技术的研究，CRM系统的构建，以及更加有效挖掘算法的设计 等方面。本文着重探讨了数据挖掘在银行客户信息分析在实施过程的 若干技术，同时对数据挖掘的结果在实际业务领域的运用作一些探索 性的研究。 文章首先对银行实施客户信息数据挖掘的一般方法做了阐述，其 次在第三及第四章重点在客户聚类、产品关联规则两个方面做了数据 实验与研究，最后对数据挖掘在银行业中的运用前景作了概括。该课 题对银行业部署企业的商业智能、进行客户关系管理、市场销售分析、 竞争对手分析、市场需求分析等各个方面都具有一定的借鉴和现实指 导意义。 本文主要的研究成果及创新点在于：1、建立了实证客户的细分模 型；2、建立了客户购买产品的关联特征模型；3、阐述了基于以上两 个模型在银行实际业务中的运用原理与前景。 关键词 银行，数据仓库，数据挖掘，聚类，关联，运用 逝婆王些太堂工猩亟±生些途塞 逝婆王些太堂工猩亟±生些途塞 基±熬握揎塑挂查数堡堑窒应篮基坌堑丛重旦婴荭 THE RE SEARCH ON APPLICATION OF BANK CUSToMER INFORMATION ANALYSIS BASED oN DATE MINING TECHNoLOGIES ABST RACT It iS a pressing mission for financial industry to make research on how to implement data warehouse and data mining technology in banking business management aspect．The related research aspect includes data warehouse and data mining technologies，construction of CRM systems and design of more effective data mining algorithms etc．This paper discusses in detail the data mining of customer information analysis in the process of implementing a number of technologies，meanwhile makes some exploration research applying in actual business management which basing on data mining results． First，the paper introduces the bank implementation customer information data mining in the general method．Second，the paper studies customer clustering and association with experimental data in the third and fourth chapter．Finally,the paper describes in the use of banking prospects based on data mining．This paper provides a helpful practical guidance and reference to different application domains deploying enterprise intelligence， CRM，market analysis，competition analysis and dynamic market demand analysis etc． In this paper,we obtain the following results and bring forth new ideas． First，we construct the temporal data prediction model of customer segmentation．Second，we establish a model of products associated 2 features．Fin