数据挖掘技术在零售业务中的运用研究

Research on the Application of the Data Mining Technology in Retail Business

近年来,大数据、人工智能技术的高速发展,正深刻改变着当前的金融生态和金融格局。对于大部分商业银行,尽管已经积累了大量的数据,但对数据的利用还不够深入,导致数据对业务的支持力度明显不足。因此,如何利用银行自身积累的数据资源,并从中提取出有益于商业银行经营和决策的信息,是商业银行面临的一个重要挑战。本文通过介绍大数据时代数据挖掘技术的概念、作用及方法,进一步分析数据挖掘技术在客户风险评价和客户关系管理方面的应用,浅析数据挖掘技术在零售业务中的运用价值,以期为商业银行的大数据应用提供参考借鉴。

In recent years, the rapid development of big data and artificial intelligence technology is pro-foundly changing the current financial ecology and financial pattern. For most commercial banks, although they have accumulated a large amount of data, the use of data is not deep enough, leading to the obvious lack of data support for business. Therefore, it is an important challenge for com-mercial banks to make use of the data resources accumulated by banks themselves and extract the information that is beneficial to commercial banks’ operation and decision-making. By introducing the concept, function and method of data mining technology in the era of big data, this paper further analyzes the application of data mining technology in customer risk assessment and customer relationship management, and analyzes the application value of data mining technology in retail business, in order to provide reference for the application of big data in commercial banks.