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1、数据挖掘技术在商业银行客户关系管理中的应用学位论文原创性声明和使用授权说明原创性声明本人郑重声明：本论文是在导师的指导下，独立进行研究工作所取得的成果，撰写成硕士学位论文“浅析贵阳天一国际广场施工过程中的造价控制” 。除论文中已经注明引用的内容外，对论文的研究做出重要贡献的个人和集体，均已在文中以明确方式标明。本论文中不包含任何未加明确注明的其他个人或集体已经公幵发表或未公开发表的成果。本声明的法律责任由本人承担。学位论文作者签名： 学位论文版权使用授权书本学位论文作者及指导教师完全了解有关保留、使用研究生学位论文的规定，即：有权保留并向国家有关部门或机构送交学位论文的复印件和电子版，允许论文
2、被查阅和借阅。本人授权大连海事大学可以将本学位论文的全部或部分内容编入有关数据库进行检索，也可采用影印、缩印或扫描等复制手段保存和汇编学位论文。同意将本学位论文收录到中国优秀博硕士学位论文全文数据库（中国学术期刊（光盘版）电子杂志社） 、 中国学位论文全文数据库 （中国科学技术信息研究所）等数据库中，并以电子出版物形式出版发行和提供信息服务。保密的论文在解密后遵守此规定。 论文作者签名： 指导教师签名：摘要：就目前而言，我国经济发展、竞争水平逐渐提升、国际影响力越来越大，这为我国商业银行提供了前所未有的发展机遇，与此同时也提出了严峻的挑战。为了迎合当前市场发展趋势、满足社会广大群体的需求，我国
3、通过宏观手段推行改革，分别从商业银行的经营理念、经营方式还是经营目标的确定等方面入手，这种情况下传统的商业银行经营策略显得过于落后。另外，随着改革开放进程不断推进，我国金融市场、金融体制越来越复杂化，不同国家商业银行驻进中国市场，与我国本土商业银行争夺市场占有率，导致国内金融市场竞争压力越来越大，目前，我国本土商业银行自我提升、合理利用资源已经成为其未来发展进步的关键。在激烈的市场竞争中我国商业银行要想谋求发展就要从根本上进行自我提升，其中最重要的就是提高银行数据处理能力。所谓银行数据处理能力主要是指银行的内部信息系统能够对阶段性发展经营情况进行数据整理归纳、分析数据背后隐藏的规律，同时能够筛
4、选银行数据有用信息，将这些信息用于银行的经营管理中，能够以最直接的方式表现出银行阶段性经营、运行情况，领导层在制定银行未来阶段发展目标、确定发展动向的过程中可以参考这些信息，充分了解社会群体的需求及当前商业银行市场发展趋势，能够最大程度提高银行领导层决策的准确率，减少错误决策的发生几率。但是从当前我国商业银行数据处理水平来看，绝大多数银行内部的数据处理系统仅仅是能够发挥最基本的系统职能，只能够进行报表统计，并不能够达到上述的要求。对于数据处理、有用数据信息筛选还要依赖银行工作人员人工完成，这严重影响了银行数据处理的效率同时也增加了数据信息处理的误差率，对于银行领导层的决策起不到任何参考价值，对
5、于商业银行未来发展具有阻碍作用。随着我国科学技术的不断发展进步，数据挖掘技术逐渐应用于各行各业当中，商业银行也不例外。商业银行在发展经营过程中需要获取不同方面数据信息，其中主要包括银行本身的数据信息和客户的信息，商业银行传统的经营及数据采集方式难以满足当前数据信息获取的需求，将数据挖掘技术应用其中正好解决这一问题。这一技术能够挖掘商业银行产品本身资源及未来发展动向，同时还能够深度挖掘客户的意向资源，就此银行能够对客户的交易行为提供有效指导、能够从根本上实现高效客户管理。本文选取商业银行客户关系管理中应用数据挖掘技术这一课题进行研究，能够分析当前传统商业银行经营理念、经营模式的困境，从数据模型的
6、建立、管理及技术实施等不同角度入手分析数据挖掘技术应用于商业银行发展经营中的重要作用，将其合理应用促进银行长久可持续发展。关键词：数据挖掘技术；商业银行；客户关系管理Abstract: at present, Chinas economic development, gradually improve the level of competition, international influence is more and more big, this provides a hitherto unknown development opportunity for Chinas commerci
7、al banks at the same time, it also poses a severe challenge. In order to meet the current market trend, the majority of the population to meet the social demand, our country through macroscopical means reform, separately from the commercial bank management concept, management goal is determined and
8、other aspects, the traditional commercial bank business strategy in this case is too backward. In addition, with the deepening process of reform and opening up, the financial system of Chinas financial market, more and more complicated, different national commercial banks in China market, and the do
9、mestic commercial banks compete for market share, resulting in domestic financial market competition is more and more big, at present, the domestic commercial banks self promotion, rational use of resources has become the key to the future development and progress. In the fierce market competition,
10、the commercial banks of our country want to develop themselves, and the most important thing is to improve the ability of data processing. The so-called bank data processing ability mainly refers to the internal bank information system to the development stage of business data summarization and anal
11、ysis of data hidden behind the law, and to select the useful information data bank, such information will be used for the operation and management of the bank, can in the most direct way to show the operation of the banking operation stage and, the leadership development trend in the process of dete
12、rmining the reference information in the development of these banks in the future development goals, and fully understand the social demand and the current commercial bank market development trend, to maximize the accuracy of bank leadership decision-making, reducing the risk of making the wrong dec
13、ision. But from the current our country commercial bank data processing level, most of the banks internal data processing system is only able to play the basic function of the system, can only report statistics, can not meet the above requirements. For data processing, useful data information screen
14、ing depends on bank staff manually, which seriously affected the efficiency of bank data processing also increases the error rate of data processing, no reference value for bank leadership decision-making, has hindered the future development for commercial banks.With the continuous development of sc
15、ience and technology, data mining technology is gradually applied in all walks of life, commercial banks are no exception. Commercial banks need to obtain different data information in the development of business process, which mainly include the banks own data information and customer information m
16、anagement and data collection methods of commercial banks is difficult to meet the current needs of information collection, data mining technology which is used to solve this problem. This technology can find commercial bank resources and the future development trend of the product itself, but also can excavate resource potential clients, this bank can transactions for customers to provide effective guidance, to achieve efficient customer mana
