1、華北電力大學(xué)（保定）碩士學(xué)位論文基于決策樹的銀行個人客戶分類研究姓名：張翠娥申請學(xué)位級別：碩士專業(yè)：技術(shù)經(jīng)濟及管理指導(dǎo)教師：幸莉仙20071220摘要當(dāng)今銀行面臨著巨大的壓力和挑戰(zhàn)，面對競爭和挑戰(zhàn)，銀行的重點是做好市場客戶細分，有效挖掘客戶需求，提供客戶差異化服務(wù)。本文首先從客戶細分的一般概念入手，然后對中國銀行保定分行的客戶進行了詳細分析，指出市場競爭環(huán)境下銀行對客戶細分的必要性。在了解客戶基本信息的基礎(chǔ)上，利用統(tǒng)計軟件SPSS對客戶

2、進行分類，然后應(yīng)用數(shù)據(jù)挖掘中的決策樹C45算法畫出決策樹，得到17條規(guī)則論文最后闡述了客戶差異化服務(wù)的必要性，提出有關(guān)客戶細分差異化服務(wù)的具體步驟，實施中應(yīng)注意的問題，這對我國銀行客戶的維護和拓展具有現(xiàn)實意義。關(guān)鍵詞。客戶細分，數(shù)據(jù)挖掘，決策樹，聚類分析，差異化服務(wù)ABSTRACTThebankisfacingwithtremendouspressureandchallengesnowWemustfocusonclientsegment

3、ation，identifycustomers’needseffectivelyandprovidecustomerswithdifferenceservicesinthefaceofcompetitionandchallengesThispaperintroducesthegeneralconceptofclientsegmentation，analyzescustomersofBaodingbranchbankofChinaexac

4、tlyandthenpointsoutitisnecessarytosegmentthebankintheenvironmentofmarketcompetitiveFirstlybasedonrealizingcustomers’basicinformation，weusethestatisticalsoftwareSPSStoclassifyclients，andthenwegetadecisiontreebyC45ofdatami

5、ningandobtain17rulesAtlast，thispaperexpatiatesthenecessityforcustomers’differenceservices，presentstheconcretestepsfordifferenceservicesofclientsegmentationandemphasizessomeissueswhichshouldbenotedintheimplementationthisw

6、ayisverysignificantforChinesecommercialbankstoenlargeandmaintaintheircustomersZhangCui—e(TechnologyEconomyandManagement)DirectedbyprofXingLi—xianKEYWORDS：clientsegmentation，datamining，decisiontree，clusterdifferenceservic