Brokerage business-oriented financing voucher fusion potential customer discovery and prediction method

• Main Authors: SONG LINLI, LI WEI, LI TING
• Format: Patent
• Language: Chinese; English
• Published: 30.09.2022
• Subjects: CALCULATING; COMPUTER SYSTEMS BASED ON SPECIFIC COMPUTATIONAL MODELS; COMPUTING; COUNTING; DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES; PHYSICS; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR

The invention discloses a brokerage business-oriented financing voucher fusion potential customer discovery and prediction method, and the method comprises the steps: designing corresponding feature indexes based on basic information, asset information, transaction behaviors, product holding, position holding behaviors, profit and loss data resources of brokerage business individual customers in combination with business experience and data visual exploration, and forming a feature wide table; according to the method, customers who potentially open financing coupons are identified and predicted by using a machine learning gradient promotion decision tree algorithm, customer grouping is performed on the potentially open customers by using a Kmeans algorithm, common features in each subdivided customer group are found out, and a targeted marketing strategy is formulated. Model training and prediction are carried out by applying a machine learning algorithm in a multi-dimensional and multi-angle manner, the resu