The Application Of Data Mining In Customer Manager Evaluate System At Bank

With the development of data mining techniques and the exaltation of the electronic process in banking, in order to keep their own advantage and increase profits in the gradually increasing competition, more and more banks use the data mining to analyze data, and then discover regulation and useful information for bank to make decisions.The usual data mining methods are classification, estimate, prediction, combination or connection rule, clustering and visualization. They are used to provide the foundation support for the data analysis. Auto Cluster Detection, Decision trees and Neural networks are three most important data mining analytic techniques which have already been widely applied in each realm of data mining.Data mining is a process, which needs to be adjusted continuously. The process of data mining consists of the following stages: business problem definition, system preparation, data preparation, modeling, evaluation, Knowledge Discovery and application.During the developing process of Shanghai bank account manager evaluation system, we analyzed the data of Shanghai bank core system, and then used the methods including classification, clustering and visualization to validate the findings, finally formed the customer simulate profits model. The model has been used into the account manager evaluation system, which guaranteed not only evaluating account manager fairly and justly, but also the services for clients who bring the bank the profits. Thus, the foundation for increasing the bank profits was formed.We adopted 3 layers B/S structure according to J2EE standard in the Shanghai bank account manager evaluation system. We used middleware to develop, which accelerated software developed speed remarkably, so the programmers could devote all their energies to the business logic. Now the system has been in use. The evaluation results have been approved by the bank and the account managers. The reports about the client analyze which are obtained from the system have satisfiedeffect. The system has been approved by the bank business department. We have gained precious experience in the future bank data mining.