余额宝资金流量预测方法研究

Zhao Chen
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引用次数: 1

摘要

资金的流入和流出对金融公司的生存至关重要。本文分析了部分用户余额流出和流出的数据。根据14个月内使用余额超过2.8万的用户的运营记录,将该用户与大用户分开,剩余用户按运营频次分为不活跃用户、较活跃用户、活跃用户、超活跃用户。采用ARIMA模型分别对这五个类进行建模。最后,给出了分类的预测结果。这五类人的流入和流出模式存在显著差异。在资本流入预测中,分类预测的结果优于整体预测。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Research on Forecasting Method of Balance Treasure Fund Flow
Capital inflow and outflow is very important for the survival of financial companies. This paper analyzes the data flowing out and out of some users of the balance. The use of more than 28,000 users of the balance in 14 months according to operating records, the user will be separated from large users, the remaining users by operating frequency is divided into inactive users, more active users, active users, ultra-active users. The ARIMA model is used to model the five classes respectively. Finally, the prediction results of the classification are obtained. There are significant differences in the inflow and outflow patterns of these five categories of people. The results of classification prediction are better than the overall forecast in the prediction of capital inflow.
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