关键词: 神经网络, 决策树, 随机森林, Adaboost模型, XGBoost模型, 精准营销

Abstract:

Due to the huge amount of the customers'data the rise of various financial products and the short?term impact of the epidemic, banks are facing with increasing pressure resulting in the business volume declined sharply. The traditional classification tree model can not make more accurate prediction of long?term deposits and carry out accurate marketing to customers according to customer information. Therefore, this paper proposes a three?layer neural network model. Through the experiment, the customer data of grape Island banking institutions are predicted, and compared with the prediction results of a traditional decision tree, random forest model, AdaBoost model and XGBoost model. The experiment shows that compared with the other four models, the neural network model has a better effect of prediction, the model evaluation AUC reaches 0.977 7 and the accuracy reaches 99.06%.

Key words: Neural network, Decision tree, Random forest, Adaboost model, XGBoost model, Precision marketing