Payroll Agency Based On Data Mining And Design For CRM System

Payroll credit business can provide abundant superior customers for the banksand increase precipitation funds of the banks, which is a premium business of thebanks. To promote the development of payroll credit business and to improve thebanks’ profitability, the banks need to classify the customers of payroll credit businessaccurately and establish a CRM (Customer Relationship Management) system, so asto realize cross marketing and personalized service, thus increasing the banks’ corecompetitiveness.The banks can build enterprise-level data warehouse aiming at numerous data ofpayroll credit. On the basis of TERADATA database, the model of data warehousecan be constructed by means of business analysis, conceptual modeling, logicalmodeling, physical modeling; the construction of data warehouse can be completed byrealizing ETL implementation and data quality evaluation via DATASTAGE software;and finally multidimensional data analysis shall be carried out via OLAP. Given thestatus quo of Customer Relationship Management of payroll credit business, thebanks design a customer segmentation model of payroll credit business based onK-means clustering algorithm by means of SAS statistical tool. The paper introducesthe data mining process of payroll credit business in details: selection of data miningtool, selection of data mining algorithm, optimization of data mining algorithm anddata noise reduction, data understanding and data preparation as well as examplepresentation. The analysis results of data mining model provide the basis for customersegmentation of payroll credit business. The banks extract data mining results fromthe data warehouse and analyze the results; in line with the work flow of the banks’business personnel and managers, they propose the design proposal for CustomerManagement System of payroll credit at subsidiary bank level, which closelycombines data mining and actual business, and enables the data to generate value,thus providing decision-making and marketing basis for the leaders.