Analysis And Research Of Bank Customer Profit Contribution Degree Model Of Data Mining

Since entering the new century, the change from product centric to customer-centric business philosophy has grow with each passing day prompted,The customer relationship management is becoming more and more important in every bank status, At the same time the product differentration is getting more and more smaller,Which makes the competition between banks more and more intense,So Chinese bank providing characteristic service is becoming an important weight nature,Which decide the position of future banks.However, The available resources are limited for each bank, So we are unable to provide the same service to every customer, "Two-eight laws of Pareto" tell us that twenty percent customer resources create eighty percent profit to enterprise, So the customer’s profit contribution degree have a definite object in view to make maximum profits with limited resources.This article choice the customer profit contribution degree model as the research target, Firstly analyzed present research situation of domestic and foreign countries,at the same time compared the simultaneously of the domestic and foreign research situationare, Then explains the research that used the data mining methods, we first construct the basic framework of macro profit contribution degree model, then combined with the data mining cluster analysis method and decision tree analysis method for further research.The innovation of this article lies in the detailed analysis of bank profit contribution degree analysis method and process of data mining, and put forward the main product that proposed bank profit contribution, At the same time combined with the asset class of profit contribution, Use one of a bank subsidiary branch data as the exanple of mining method which proposed based on data analysis and research,combined with the analysis of the results of different data mining customer profit contribution, and then put forward the maintenance strategy for different customer.