文档介绍：北京航空航天大学学位论文银行卡数据挖掘案例分析摘要银行卡业务在我国的发展方兴未艾,竞争也日益激烈。商业银行正在转变着经营和服务的方式,这种转变需要准确了解客户的行为特征。数据挖掘技术能够从海量的银行卡业务数据中发现一些未知的、有价值的规律,无疑将会为银行的这种转变提供强有力的支持。本文的重点研究以客户为中心的、能够很好应用数据挖掘技术的银行卡业务系统的数据特征,进而在此基础上利用真实银行卡交易数据,根据银行的实际需要进行案例分析。本文的主要内容如下:(1)分析了适应新竞争形势需要的银行卡业务系统应具备的数据特征。介绍了系统设计思想、系统结构、系统数据的处理和存储,以及构造银行卡数据集市等内容。(2)以一段时间内的账户日均余额、账户交易次数和累计交易金额为度量值,利用聚类技术对银行卡客户进行细分,并且根据每个客户划分的交易行为特征对其进行了定性描述。(3)以账户余额流失的绝对量和百分比为度量值,利用聚类技术建立余额流失模型,对存在余额流失的账户进行划分来寻找“真正的余额流失者”,并且量化流失标准。(4)在前人理论公式的基础上,通过调研确定了各项数据,定量计算了客户价值。关键词:银行卡,数据挖掘,客户细分,客户价值,余额流失北京航空航天大学学位论文CASE ANALYSIS OF BANK CARD DATA MININGAuthor: Yang ZhiyongSupervisor: Han LiyanAbstractThe bank card business has a very good prospect in China, but petition will efiercer. mercial banks are changing the method of management and change need to know the characteristics of customers. Data mining technology can findsome unknown and valuable knowledge from large amount of the bank card business the knowledge will mercial banks to plish the thesis mainly researches data characteristics of the bank card business system thatconsiders customer as the centre and be bined with data mining technology. Basedon real business data of the bank card, this thesis analyzes an case for need of main contents are as follows:(1) Analyze data characteristics of the bank card business system that adapts to needof petition. Introduce the design idea of system, system construction,treating and storing system data.(2) Measure customers by balance, transaction times and amount of transaction, applycluster technology, segment customers. Describe the characteristics ofsegmentation.(3) Apply cluster technology to establish the model of balance, to find which accountis losing in balance. Discuss the standards of balance loss(4) According to the formula of predecessors, define every data through investigation,pute customer value in the : Bank Card, Data Mining, Customer Segmentation, CustomerValue, Balance Lossy6。。75