基于決策樹的銀行個(gè)人客戶分類研究.pdf

1、華北電力大學(xué)（保定）碩士學(xué)位論文基于決策樹的銀行個(gè)人客戶分類研究姓名：張翠娥申請(qǐng)學(xué)位級(jí)別：碩士專業(yè)：技術(shù)經(jīng)濟(jì)及管理指導(dǎo)教師：幸莉仙20071220摘要當(dāng)今銀行面臨著巨大的壓力和挑戰(zhàn)，面對(duì)競爭和挑戰(zhàn)，銀行的重點(diǎn)是做好市場客戶細(xì)分，有效挖掘客戶需求，提供客戶差異化服務(wù)。本文首先從客戶細(xì)分的一般概念入手，然后對(duì)中國銀行保定分行的客戶進(jìn)行了詳細(xì)分析，指出市場競爭環(huán)境下銀行對(duì)客戶細(xì)分的必要性。在了解客戶基本信息的基礎(chǔ)上，利用統(tǒng)計(jì)軟件SPSS對(duì)客戶

2、進(jìn)行分類，然后應(yīng)用數(shù)據(jù)挖掘中的決策樹C45算法畫出決策樹，得到17條規(guī)則論文最后闡述了客戶差異化服務(wù)的必要性，提出有關(guān)客戶細(xì)分差異化服務(wù)的具體步驟，實(shí)施中應(yīng)注意的問題，這對(duì)我國銀行客戶的維護(hù)和拓展具有現(xiàn)實(shí)意義。關(guān)鍵詞?？蛻艏?xì)分，數(shù)據(jù)挖掘，決策樹，聚類分析，差異化服務(wù)ABSTRACTThebankisfacingwithtremendouspressureandchallengesnowWemustfocusonclientsegment

3、ation，identifycustomers’needseffectivelyandprovidecustomerswithdifferenceservicesinthefaceofcompetitionandchallengesThispaperintroducesthegeneralconceptofclientsegmentation，analyzescustomersofBaodingbranchbankofChinaexac

4、tlyandthenpointsoutitisnecessarytosegmentthebankintheenvironmentofmarketcompetitiveFirstlybasedonrealizingcustomers’basicinformation，weusethestatisticalsoftwareSPSStoclassifyclients，andthenwegetadecisiontreebyC45ofdatami

5、ningandobtain17rulesAtlast，thispaperexpatiatesthenecessityforcustomers’differenceservices，presentstheconcretestepsfordifferenceservicesofclientsegmentationandemphasizessomeissueswhichshouldbenotedintheimplementationthisw

6、ayisverysignificantforChinesecommercialbankstoenlargeandmaintaintheircustomersZhangCui—e(TechnologyEconomyandManagement)DirectedbyprofXingLi—xianKEYWORDS：clientsegmentation，datamining，decisiontree，clusterdifferenceservic