Data Mining In Personal High Grade Customer Management Study Of Banking

Recently, many domestic commercial banks pay more attention to the development of the personal business. They established the special personal business administrative department and set up (personal) customer management system. More importantly, in order to explore the new developing method, they put forward the management theory of regarding personal business as a new growing point of profit of bank. There exists a complex competition complexion among commercial banks in important industry customer and personal customer. With more and more foreign capital entering into the market of China, finance industry will compete severely for high grade customer and expand market occupancy of new operations. How to find the most effective customer and develop their own competitive operations? The technology of data mining is thus developed. The value of data mining application is in that it can help financial enterprises to analyze the key factors affecting their operations and thus help them to increase income, reduce cost, make the management decision be scientific and customer analysis be accurate. It can be said that data mining technology application is an absolute necessity for the realization of financial information.Combining the practical requirements of our department, the essay launches the application study of personal high grade customer management based on the technology of data mining. Main contributions and characteristic are as follows:(1) Summarizing the CRM and personal high grade customer management system;(2) Introducing the data mining and the data pretreatment;(3) Analyzing several data mining algorithms for customer management application of banks, as Classification algorithm, cluster-algorithm, abnormal detect algorithm;(4) Analyzing and practising the application study of personal high grade customer management based on the technology of data mining.