基于数据挖掘的银行业客户关系管理体系结构

The framework of bank CRM system based on data mining

面对入世带来的挑战,我国银行必须提高其核心竞争力,而客户关系管理正是提高企业核心竞争力的最好手段。文章论述了银行客户关系管理系统的总体架构和数据仓库及数据挖掘在银行业客户关系管理中的应用,旨在更好地提高银行的竞争力,把客户看作银行资源的一部分,最大限度地获取利润。

The banks in China have to improve the core competitive power to face the challenge as China accedes to the WTO,and the customer relationship management (CRM) is just the best means. The framework of the bank CRM system and the application of data warehouse and data mining in the bank CRM are discussed in the paper. Customers should be regarded as an important resource of banks,and suitable service strategies shall be adopted to improve the core competitiveness of banks and make gains to the largest extent.