数据挖掘在银行CRM管理中的应用研究

发布时间：2018-01-31 12:40

本文关键词： 数据挖掘客户关系管理 (CRM)　出处：《商场现代化》2006年06期 　论文类型：期刊论文

【摘要】：人类科学技术水平的提高,引起了世界的两大主要变化,首先是信息、物资的流动速度加快,无论是消费者还是生产者、经营者都能更快地得到有效信息,适时调整自己的习惯和行为。再次是计算机等高科技技术的发展使生产能力极大提高,超越了人们的基本需求水平,市场逐渐由卖方市场转变为买方市场,市场竞争也日益激烈。因此,随着金融市场竞争的加剧和消费者的需求日趋个性化,如何在快速多变的市场中保持老客户与争取新客户成为关乎各类银行成长和发展的关键,以客户为中心的客户关系管理(CRM)思想就在这样的一个环境和变化中逐渐为银行所重视与推崇,在日常管理中逐渐成为注目的焦点。然而如何从大量庞杂的客户信息中提取出隐藏在其中有价值的信息则需要有先进的技术和工具的支持,数据挖掘技术的出现为银行CRM的实施提供了良好的支持。本文主要阐述了银行客户关系管理中数据挖掘技术的应用问题。
[Abstract]:The improvement of human science and technology has caused two major changes in the world, first of all, information, material flow speed up, whether consumers or producers, operators can quickly get effective information. Third, the development of high-tech technology such as computer greatly improves the production capacity, surpasses the people's basic demand level, and the market gradually changes from the seller's market to the buyer's market. Market competition is also increasingly fierce. Therefore, with the intensification of financial market competition and consumer demand is becoming increasingly personalized. How to keep old customers and win new customers in the fast changing market becomes the key to the growth and development of all kinds of banks. Customer-centered CRM (customer relationship Management) is gradually attached importance to and respected by banks in such an environment and changes. In the daily management gradually become the focus of attention. However, how to extract valuable information from a large number of complex customer information needs the support of advanced technology and tools. The emergence of data mining technology provides a good support for the implementation of bank CRM. This paper mainly describes the application of data mining technology in bank customer relationship management.
【作者单位】：
【分类号】：F830.4
【正文快照】： 客户关系管理(CRM)最早由GARTNERGROUP提出,所谓的CRM就是为企业提供全方位的管理视角,赋予企业更完善的客户交流能力,最大化客户的收益率。在人类社会从“产品”导向时代发展为“客户”导向时代的今天,客户的选择决定着一个企业的命运。CRM的核心管理思想就是“客户”是企业

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