数据挖掘技术在商业银行中的应用

数据挖掘能够有效分析商业银行数据库中的信息,将其转化为知识为银行的经验决策服务。本文在介绍数据挖掘技术及其主要任务的基础上,总结了数据挖掘在商业银行业务中的主要应用领域为客户关系管理、风险管理和金融欺诈监测,并具体介绍了数据挖掘技术在上述几个领域内的应用。

Application of Data Mining Technology in Business of Commercial Banks

Data mining analyses the massive data in the CRM system of commercial banks effectively,by turning the information into knowledge,data mining benefits the banks with making better business decision.Based on the introduction of data mining technology and the main mining targets,this paper summarizes that the CRM,risk management and fraud detection,and then introduces the application of data mining in those research fields.