数据挖掘技术在商业银行个人理财业务中的应用研究

【作者】 陈珊珊；

【导师】 李小东；

【作者基本信息】 浙江大学 ， 管理科学与工程， 2003， 硕士

【摘要】 随着金融体制改革的深化，中国加入WTO，中国银行业的竞争日益激烈。同时，随着居民手中财富的增加、居民对专业理财的需求增强，个人理财业务已成为中外银行竞争的焦点。而对于商业银行个人理财业务而言，为客户提供优质的服务是获取市场份额的保证。谁能根据客户的风险偏好、购买行为特征等为其提供个性化的、一对一的理财服务，谁就更能在竞争中取胜。商业银行相对其他行业属于信息化程度较高的行业，银行数据库里积累了海量的客户信息。因此，如何充分利用这些客户数据，从中挖掘中隐藏的有用的知识，为商业银行个人理财业务的开展提供强有力的支持，具有重要的意义。 数据仓库、数据挖掘技术正是在这种行业数据海量积累，客户数据分析需求增长的情况下应运而生的。在商业银行中，建设以客户为中心的数据仓库，应用数据挖掘技术对分散在各个事务型信息系统中的客户交易数据、基本数据等进行分析，已成为银行增强竞争力的有力武器。 本文重点研究了我国商业银行如何利用数据挖掘技术来开展个人理财业务。没有就数据仓库、数据挖掘理论及建模方法等作过多的阐述，而是将重点放在数据挖掘的模型选择及设计上。本文在国内外研究的基础上，同时通过对国内一些商业银行调研，结合银行开展个人理财业务关注的主题，建立了商业银行个人理财数据集市、提出了客户价值、客户满意度模型、客户细分模型，为商业银行进行个人理财产品个性化营销提供了技术支持。 本文的研究希望能为商业银行开展个人理财业务提供思路，为国内银行提升服务质量、更有效地参与竞争提供帮助。更多还原

【Abstract】 With the development of financial system and the entry into WTO, the competition of Chinese banking has become more and more fiercer. And with the increase of money, people have increased needs on special financing products. So Personal Financing Service has become the focus of domestic and foreign banking. As for business bank, providing perfect service is the assurance of obtaining market share. Who can provide customers with personalization and one-to-one financing service according to their risk preference and consume behavior characters will be more competitive. Business banking has gained more information and has large scale of data. It’s significant for business bank to use this customer’s data and mining the useful knowledge from the data, which can also support the development of personal financing service of business bank.Data warehouse, data mining technology have growed up with the data contained in the information system becoming bigger and bigger. It has become the business banks’ competitive weapon to analyze the data contained in several information system, and analyze customers’ behavior data, characteristic data, etc.This paper mainly research on how to use data mining technology to develop personal financing business for business banks. And emphasize in the selecting and designing of the data mining models. While tells little about the theories and the methodologies of data warehouse and data mining. Based on the research of domestic and foreign business and the investigation of some of business banks, this paper builds personal financial data market, and gives customer value, customer satisfaction, customer segmentation models, which support business bank with technology support.Hope this paper will have an impetus to the using of data mining in our Personal Financing Service of business banks. And support business banking with new thinking.更多还原