The customer segmentation of commercial banks based on unascertained clustering

Based on the reality of China´s commercial banks, the article designed the customer lifetime value appraisal indicator system, furthermore the unascertained clustering have been applied to establish the customer segmentation model of commercial banks. By accounting the customer segmentation model, all of the customers of commercial banks have been divided into four classes: quality customers, backbone customers, public customers and low-class customers. The customer segmentation is the foundation for effectively realized the hierarchical marketing and differential service of commercial banks.