The Research Of Data Mining Technology In Banking CRM

Making a comprehensive view of world , Data Mining start from the bank and the telecommunication. But the bank has more professional data preserved than the telecommunication. The commercial bank has two useful giant resources: customer deposit and customer data. Correspondingly, the bank management has two big duties: customer fund management and data mining. At present customer data analysis of the bank is still at a quite lower stage. That causes the bank treat impartially to the general customer and the high contribution customer. Along with unceasing development of customer relation management, the analytical excavation to its population data of the bank is also imperative under the situation. The bank must establish the customer relation management on customer's demand.With more and more abundant data of the bank, the mass data are described as"the data are abundant, but the information is lacking". As a result , the data collected in the large-scale database turned to "the data grave". Because the bank policy-maker lacks the tool which can extract the value information from mass data. Many important decisions of the bank are not based on data with rich information in the database, but on policy-maker's intuition. Data analysis through the Data Mining tool may discover the important data pattern. That transforms the bank data grave into "the gold bar" of knowledge.This dissertation focuses on how to realize customer relation management of the bank through the Data Mining technology. This dissertation is started from the theory of Data Mining Classification and CRM. And then it dissertates the meaning, course and application of Data's Mining Classification, and CRM's core thinking and type .The Data Mining Classification is described especially in this dissertation, and apply it in CRM customer's classifying of banking.In Data Mining Classification analysis, this dissertation describes the general decision trees algorithm, introduces and has compared several kind of typical decision tree algorithm. The commercial bank's a primary service is the loan.