Data Mining Analysis Of Bank Personal Loan Customer

Along with the acceleration of economic globalization process and theadvancement of financial markets’ reform, Bank industry of China is facingunprecedented development opportunity, and also meet some pressure and challenges.The promotions of transformation of operations development forms and detailedmanagement level appeared to be imminent. The bank has accumulated a largeamount of data after years of construction information system, but now the majormethod of data using is still statistical report. The great value contained in the data hasnot been fully reflected. How to improve the application level of the data deeply,Thought in data in the business management and decision making, is a verymeaningful topic.From the customer structure point of view, The customers of Personal loans inS bank occupies an important position. Only from loan proceeds which brought by thepersonal customers, the bank silver business have accounted for more than40%of theoverall revenue at present. It also has not count Its derivative products and relativeproducts which bring more business receipts. This paper studies the customers ofPersonal loans in S bank, it has designed the overall research and analysis frameworkto Personal loans customer of a bank, and confirmed the relevant business processesand analysis indicators. It introduces the overall architecture of S bank’s datawarehouse, metadata management, design and implementation of ETL, Constructionof multidimensional data model.This paper introduces in detail Constructionmultidimensional data model of S bank which based on the data warehouse, and theprocess of mining data s and analyzing data by a different SAS Enterprise Guidealgorithm. Finally, it discussed the personal loan customers of the different groups,deeply, and given the advice of solution of customer loss, improvement of customerloyalty, and marketing modes of each operating agency.