南京信息工程大学学报2016，Vol.8Issue(3)：273-277,5.DOI:10.13878/j.cnki.jnuist.2016.03.009
银行客户定期存款认购的统计决策研究
Statistical decision research for bank s long-term deposit subscription
摘要
Abstract
Nowadays, with the increasing competition between banks, it is very important to improve the bank�s competitiveness by effectively excavating potential clients and providing differentiated services.The decision tree al⁃gorithm is proposed to data mine the possible 21 important attributes which affect bank clients′ long⁃term deposit subscription.A Portuguese retail bank is addressed,with data collected from May,2008 to November,2010.The deci⁃sion tree model is constructed to reflect the important factors in a banking client deposit subscription business. Re⁃sults show that the significant factors which affect client�s long⁃term deposit subscription are target number of bank agents,marketing duration and month. Such knowledge greatly reduces the marketing range of potential clients for term deposit thus improves the bank efficiency.关键词
数据挖掘/客户定位/决策树/统计决策Key words
data mining/customer orientation/decision tree/statistical decision分类
管理科学引用本文复制引用
来鹏,赵茹蕾,郭利珍..银行客户定期存款认购的统计决策研究[J].南京信息工程大学学报,2016,8(3):273-277,5.基金项目
江苏省高等学校大学生创新创业训练计划（201410300013Z）；2016年度江苏高校“青蓝工程”培养对象 （）
