邮政储蓄银行客户信息管理系统的设计与实现

摘要随着我国加入WTO以及金融体制改革的逐步深入，我国邮政储蓄银行面临着空前的竞争压力，银行业必须从传统的“以产品和服务为中心”的观念转变到“以客户为中心”的经营理念上来。其中，如何对现有的客户信息进行管理和利用成为银行业迫切需要解决的问题。邮政储蓄银行客户信息管理系统是现代商业在生产环境中管理全行客户资料并进行数据分析的计算机应用系统。其基本功能是：构造邮政储蓄银行客户信息的统一视图，为总行以及不同层次分支机构的生产系统提供实时的、一致的客户信息访问服务，为总行以及不同层次分支机构的管理信息系统提供准确的、完备的客户信息，并以此作为分析基础。本文首先阐述了客户信息管理的概念，并进一步界定了其在本文中的内涵。接着，着眼于邮政储蓄银行的客户信息，分析了现状以及在该行业建立体系的价值和意义。其次，介绍了银行业信息化中常用的几种信息技术，分析了它们的应用，包括数据库、数据仓库、联机分析处理、数据挖掘。它们是银行客户信息管理的技术基础。从信息处理的基本模型出发，提出了客户信息管理的基本框架，结合邮政储蓄银行的业务特性、信息需求和相关技术，进一步提出银行的客户信息管理体系，并对体系进行详细分析；随后文章介绍了本系统设计实现的主要技术ASP.NET2.0以及主要的集成开发环境，并对系统进行数据库设计，建立数据库表。最后对于系统的功能模块进行设计，编程实现相关系统功能，并进行系统的测试与维护，完成邮政储蓄银行客户信息管理系统设计与应用的研究。关键词：客户信息；银行客户；管理系统；ASP.NET；数据分析IAbstractWithChina’saccessiontoWTOandthegradualdeepeningoffinancialreform,China’spostalsavingsbanksarefacingunprecedentedcompetitivepressure,andthereforethemanagementphilosophyofthebankingindustryshouldbechangedfromthetraditional“product-and-service-oriented”to“client-oriented”.Andhowtomanageandusetheexistingclientinformationhasbecomeanurgentproblemforbankingindustry.Theclientinformationmanagementsystemofpostalsavingsbanksisacomputerapplicationwhichmanagesthebank’sclientdataandconductsdataanalysisintheproductionenvironmentofmodernbusiness.Itsbasicfunctionsincludeestablishingaunifiedviewofpostalsavingsbanks’clientinformation,providingreal-timeandconsistentaccesstoclientinformationservicefortheproductionsystemsoftheheadofficeandbranchesatdifferentlevels,andprovidingaccurateandcompleteclientinformation,whichwillbeusedasthebasisforanalysis,fortheinformationmanagementsystemoftheheadofficeandbranchesatdifferentlevels.Thisthesisfirstdescribestheconceptofclientinformationmanagement,andfurthergivesitsdefinitioninthisthesis.Secondly,focusingontheclientinformationofpostalsavingsbanks,thisstudyanalysesitsstatusquoandthesignificanceofestablishingsuchsystemsinthisindustry.Thirdly,thisthesisintroducesseveralcommoninformationtechnologiesduringtheinformatizationofbankingindustry,andanalyzestheirapplicationwhichincludesdatabases,datawarehousing,onlineanalyticalprocessinganddatamining.Thesearethetechnologyfoundationofthebank’sclientinformationmanagement.Fourthly,basedonthebasicmodelofinformationprocessing,thisresearchputsforwardthebasicframeworkofclientinformationmanagement,andproposesandconductsdetailedanalysisofthebank’sclientinformationmanagementsystem,takingthebusinesscharacteristics,informationdemandsandrelatedtechnologiesofpostalsavingsbanksintoconsideration.Moreover,thisarticleIIintroducesASP.NET2.0,themajortechnologythatmakesthedesignofthissystempossible,anditsmajorintegrateddevelopmentenvironment,andthenthedatabasedesignforthissystemandtheestablishingofadatabasetablearealsocarriedout.Finallythisresearchonthedesignandapplicationoftheclientinformationmanagementofpostalsavingsbanksendsindesigningthefunctionmodulesforthissystem,programmingtorealizerelatedsystemfunctions,aswellastestingandmaintainingthissystem.Keywords:Clientinformation,Bankclient,Managementsystem,ASP.NET,DataanalysisIII目录第一章绪论..................................................................................................................11.1课题研究背景.....................................................................................................11.2国内外研究现状...............................................................................................21.3课题研究意义....................................................................................................31.4论文主要内容与结构.......................................................................................4第二章系统设计的关键技术......................................................................................62.1数据库技术........................................................................................................62.1.1数据库概述..............................................................................................62.1.2数据模型..................................................................................................72.2数据仓库技术....................................................................................................82.2.1数据仓库概述..........................................................................................82.2.2银行与客户数据仓库...........................................................................102.3联机分析处理技术.........................................................................................102.4数据挖掘技术..................................................................................................132.4.1数据挖掘的基本概念...........................................................................132.4.2数据挖掘过程........................................................................................132.5系统开发技术..................................................................................................152.6本章小结..........................................................................................................17第三章系统的开发环境与技术体系.......................................................................183.1网络应用模型技术.............................