银行客户流失预警模型的构建与应用

Wangdong Jiang, Yushan Luo, Ying Cao, Guang Sun, C. Gong
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引用次数: 3

摘要

针对银行面临的客户流失问题,本文将使用Python语言对基于真实银行客户数据的原始数据集进行清理和选择,逐步将原始数据集中的626个客户特征浓缩为77个客户特征。然后,在对银行数据进行预处理的基础上,运用逻辑回归、决策树和神经网络建立了三种银行客户流失预警模型,并进行了比较。结果表明,三种模型预测银行损失客户的准确率均在92%以上。最后,基于评价结果较好的logistic回归模型,分析了银行流失客户的特征,并针对流失客户提出了银行管理建议。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
On the build and application of bank customer churn warning model
In view of the customer churn problem faced by banks, this paper will use the Python language to clean and select the original dataset based on real bank customer data, and gradually condense the 626 customer features in the original dataset to 77 customer features. Then, based on the pre-processed bank data, this paper uses logistic regression, decision tree and neural network to establish three bank customer churn warning models and compares them. The results show that the accuracy of the three models in predicting bank loss customers is above 92%. Finally, based on the logistic regression model with better evaluation results, this paper analyses the characteristics of the lost customers for the bank, and gives the bank management suggestions for the lost customers.
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