基于粗糙集的RFM分析对银行贷款客户分类的研究

长期以来,信用风险是金融行业,特别是银行业的最主要的风险形式。贷款是商业银行的主要资产业务,因此其经营风险与生俱来,商业银行要保持稳健经营,必须加强贷款的风险控制管理,建立健全包括银行贷款风险管理在内的金融系统。本文旨在运用基于粗糙集的数据挖掘技术,将市场营销中的RFM客户细分的方法运用于贷款客户信用度的分类中去,为银行贷款的风险控制管理提供决策支持。

Researching on Bank Loading Customers by RFM Analysis base on Rough Set

For a long time, the credit risk is the main risk form in financial area, especially in banking area. The loan is the main assert operation in the commercial bank, so the management risk must exist. The commercial bank must maintain steady management and strengthen the control of risk management, establish the financial system, which including the loan risk management. By using data mining, which based on rough set, this paper put RFM into loading customer subdivides, in order to provide decision support to control risk in banking load management.