基于数据挖掘的基金定投业务中客户行为的分析

发布时间：2018-04-28 04:37

本文选题：基金定投 + 数据挖掘　；参考：《大连海事大学》2013年硕士论文

【摘要】：基金作为一种金融产品,已经成为人们投资中重要组成部分,根据人们的投资目标差异,基金分为多种类型,不同类型所具有的风险与收益也不尽相同。本文针对基金产品中基金定投业务进行数据分析,论述基金定投业务的特点,研究在基金定投业务中客户相关信息的关键因素,分析其在实际商业决策中的指导意义。本文采用数据挖掘方法进行客户分析。数据挖掘作为新时期重要的数据分析手段,提供了很多行之有效的数据分析方法,在客户分析中发挥出了重要的作用。本文针对数据挖掘的几种主要的分析方法进行论述,并比较它们之间的特点和差异。根据实际需要,本文采用决策树算法对基金客户与基金定投产品的相关因素进行数据分析。决策树算法是经典的数据挖掘方法之一,本文对决策树法的生成过程及在数据分析中的使用方法做了较为全面的论述。结合公司的案例,针对基金行业中不同基金客户对基金定投有着不同选择的情形,通过收集整理基金客户的不同行为因素,运用决策树方法对其在基金定投产品的选择中的影响进行分析研究。基金客户的行为属性有很多种,本案例中选取了其中最重要的且与基金定投业务相关联的几种属性进行分析,如确定基金客户的投资目标和需要、收入和资产等。通过对基金客户历史数据的收集与分析,运用决策树算法分析并生成关联规则,最终形成对基金定投产品策划和营销具有指导意义的决策。
[Abstract]:As a kind of financial product, fund has become an important part of people's investment. According to the difference of people's investment goal, the fund can be divided into many types, and the risks and returns of different types are also different. Based on the data analysis of fixed investment business in fund products, this paper discusses the characteristics of fund fixed investment business, studies the key factors of customer related information in fund fixed investment business, and analyzes its guiding significance in the actual business decision. In this paper, data mining method is used for customer analysis. As an important means of data analysis in the new era, data mining provides many effective data analysis methods and plays an important role in customer analysis. In this paper, several main analysis methods of data mining are discussed, and their characteristics and differences are compared. According to the actual needs, this paper uses the decision tree algorithm to analyze the relevant factors between the fund customers and the fixed investment products. Decision tree algorithm is one of the classical data mining methods. In this paper, the generation process of decision tree method and its application in data analysis are discussed in detail. Combined with the case of the company, in view of the different fund clients in the fund industry have different choices to the fund investment, through collecting and sorting out the different behavior factors of the fund clients, The decision tree method is used to analyze the influence of decision tree on the selection of fixed investment products. There are many kinds of behavioral attributes of fund clients. In this case, the most important attributes associated with the fixed investment business are selected for analysis, such as determining the investment objectives and needs of fund clients, income and assets, and so on. Through the collection and analysis of the historical data of the fund clients, the association rules are analyzed and generated by using the decision tree algorithm. Finally, a decision with guiding significance for the planning and marketing of the fixed investment products of the fund is formed.
【学位授予单位】：大连海事大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F274;F832.39;F224

【参考文献】