Analysis and Improvement Strategy for Profit Contribution of Bank Customer Under Big Data Background

摘要

Our research takes the bank's data as the object, and performs an intensive analysis model of bank customer profit contribution, under the guidance of big data theory and data mining method. Then, based on the profit contribution of the asset class business, the profit contribution of the liability business and the profit contribution of the intermediate business class, as well as the basic model of the customer profit contribution evaluation are constructed. Finally, certain assets data of a subordinate branch of a state-owned commercial bank are used, and an improved empirical analysis of customer profit contribution model and cluster analysis method is carried out. The strategy proposed in this paper is verified to be in line with the actual needs of enterprises. On one hand, it improves the loyalty of customers to banks; on the other hand, it can further expand the banking customer base and provide effective support for potential value mining of customers.