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Bank mobility prediction method and device

A forecasting method and forecasting device technology, applied in the field of data processing, can solve problems such as low timeliness and inability to predict liquidity

Inactive Publication Date: 2019-10-22
INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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  • Summary
  • Abstract
  • Description
  • Claims
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AI Technical Summary

Problems solved by technology

[0003] In the existing technology, banks generally conduct statistics on liquidity management through business reports, which is not time-sensitive, and at the same time cannot accurately predict future liquidity, and cannot fully utilize bank liquidity

Method used

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  • Bank mobility prediction method and device
  • Bank mobility prediction method and device

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Embodiment Construction

[0044] The following will clearly and completely describe the technical solutions in the embodiments of the present invention with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only some, not all, embodiments of the present invention. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the protection scope of the present invention.

[0045] Such as figure 1 Shown, the method for predicting bank liquidity provided by the present invention includes:

[0046] Step S101, obtaining historical business data and historical liquidity data of the banking application service system;

[0047] Step S102, training the pre-established machine learning model according to historical business data and historical liquidity data;

[0048] Step S103, using the trained machine learning model to predict bank ...

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Abstract

The invention provides a bank mobility prediction method and a bank mobility prediction device. The method comprises the steps of acquiring the historical business data and the historical mobility data of a bank application service system; training a pre-established machine learning model according to the historical business data and the historical mobility data; and utilizing the trained machinelearning model to carry out bank mobility prediction. The bank liquidity is predicted by extracting the characteristic values of the bank liquidity business data and performing machine learning training. The bank is supported to fully utilize the residual liquidity, and the predicted bank liquidity is utilized to provide liquidity risk early warning in time.

Description

technical field [0001] The invention relates to data processing technology, in particular to a method and device for predicting bank liquidity. Background technique [0002] Various countries and regions have strict requirements on the liquidity of the banking system, and corresponding penalties will be imposed on banks with liquidity risks, which may lead to bank closures in severe cases. Therefore, banks need to manage liquidity in an all-round way to deal with regulatory penalties caused by insufficient liquidity in a timely manner, and they also need to be able to predict future funding conditions. [0003] In the existing technology, banks generally conduct statistics on liquidity management through business reports, which is not time-sensitive, and at the same time cannot accurately predict future liquidity, and cannot fully utilize bank liquidity. Contents of the invention [0004] In order to monitor bank liquidity and support banks to make full use of remaining l...

Claims

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Application Information

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IPC IPC(8): G06Q40/02G06K9/62G06N20/00
CPCG06Q40/02G06N20/00G06F18/214
Inventor 梁森温丽明钟锐填张佩玉
Owner INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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