支持向量機(jī)在銀行貸款客戶(hù)分類(lèi)中的應(yīng)用研究

隨著客戶(hù)關(guān)系管理系統(tǒng)的不斷發(fā)展和應(yīng)用，使用先進(jìn)的算法進(jìn)行客戶(hù)分析變得越來(lái)越重要。尤其是象銀行這種以客 戶(hù)為導(dǎo)向的行業(yè)，客戶(hù)分析是十分必要的。當(dāng)前，支持向量機(jī)方法作為一種統(tǒng)計(jì)學(xué)習(xí)理論的分類(lèi)方法已經(jīng)發(fā)展的比較成熟而 且成功應(yīng)用到了很多領(lǐng)域。文章解決的主要問(wèn)題是對(duì)銀行的客戶(hù)數(shù)據(jù)根據(jù)其屬性對(duì)客戶(hù)進(jìn)行分類(lèi)，為銀行的客戶(hù)關(guān)系管理系 統(tǒng)提供一種可靠的分類(lèi)方法。文中主要介紹了銀行的客戶(hù)分類(lèi)學(xué)習(xí)的過(guò)程和結(jié)果，如，客戶(hù)數(shù)據(jù)清洗，數(shù)據(jù)預(yù)處理，SVM 進(jìn) 行數(shù)據(jù)分類(lèi)，多類(lèi)分類(lèi)處理，客戶(hù)屬性選擇等問(wèn)題。
關(guān)鍵詞：客戶(hù)關(guān)系管理；支持向量機(jī)；數(shù)據(jù)挖掘；客戶(hù)分類(lèi);屬性選擇
Abstract：With the development and application of the customer relationship management, it become more important to analyze the customer using advanced data mining algorithms. And recently Support Vector Machine, a statistical theory method, has been successfully developed and applied to many areas. Support Vector Machine is chose as the data mining method in the analytical Customer Relationship Management system. The main problems are the customer classification, potential customers finding based on bank credit customer data which is mainly about the properties of the customers. The customer data preprocess and data
classification process by using Support Vector Machines, and some results are presented in detail.
Keywords: CRM (customer relationship management); SVM (support vector machine); DM (data mining); customer classification; attribute selection