基于群体行为模式特征的银行网点选址模型研究

发布时间：2018-01-10 10:17

本文关键词：基于群体行为模式特征的银行网点选址模型研究　出处：《天津大学》2016年硕士论文　论文类型：学位论文

【摘要】：大数据技术的发展使我们可以获得人流量、商圈信息、竞品数量,改善信息不对称的情况。在海量数据的支撑上对客户行为的实证分析和统计建模可以有助于选址决策者挖掘最大用户群体,而且,群体行为模式特征作为网点用户在其金融行为中的宏观表现,引入该指标可以进一步优化选址决策工作。围绕该问题,以具体的网点数据为实例,建立了相应模型进行实验分析和调整优化,采用四层结构对银行选址平台进行了设计,具体工作如下:1.提出了基于群体行为模式特征的银行网点选址模型,模型主要分为银行选址模型和ATM网点选址模型。模型以社区为研究对象,结合网点经营数据为基础、群体行为模式特征以及社区基本属性的相关性分析结果完成特征选择,以金融业通用的效率评估理论-数据包络分析为基础,构建了选址模型的优劣评估标准。2.提出了基于群体行为模式特征的银行网点选址平台的设计,针对选址领域需求,平台主要包含社区属性数据获取模块、网点经营数据模块、算法选址模块和结果可视化模块,完成了选址模型平台化应用,为后续的开发起到了推动性作用。3.验证了选址模型的可行性,以天津农商银行437个银行网点数据和331个ATM网点数据为基础,整理了天津市各个社区相应的人口、交通、经济、群体行为模式特征数据,完成了论文模型的实际应用,对选址结果和模型优劣进行对比分析和改进建议。本文面向选址领域,抽象出了选址所需数据维度,以社区为研究对象,从相关性分析入手,并引入群体行为模式特征是选址决策过程。同时,拓宽了选址决策过程的数据维度并可实现按需更新,设计了面向群体行为模式特征的选址平台,满足了模型迭代性要求并提升了模型的通用性。
[Abstract]:The development of big data technology so that we can get the flow of people, the business information, the number of competing products, to improve the situation of asymmetric information. In the massive data support on the empirical analysis of customer behavior and statistical modeling can help decision-makers location mining maximal user groups, and behavior patterns of the population as users in their financial outlets in macro performance, using this index can further optimize the location decision. On this issue, to network specific data as an example, establishes the corresponding model for experimental analysis and optimization, using four layer structure on bank location platform has been designed specifically as follows: 1. the location model characteristics of group behavior based on the model of bank outlets, the main points of location model and ATM model for bank outlets location model. The model takes the community as the research object, combined with network business data The basic characteristics, behavior pattern groups and correlation analysis of basic attribute of the community the results of feature selection, in order to evaluate the efficiency theory of universal financial industry data envelopment analysis as the foundation, constructs the.2. quality evaluation standard location model is proposed for the design of group behavior pattern features based on the site selection of bank platform, according to the location of domain requirements, platform mainly includes the community attribute data acquisition module, data network management module, module and the visualization module algorithm complete location, location model of platform application, to promote the role of.3. to verify the feasibility of the location model for the subsequent development, the Tianjin rural commercial Bank 437 bank branches and 331 outlets of ATM data based on data the corresponding communities, Tianjin city population, traffic, economy, group behavior pattern data, to complete the actual paper model should be Use of location results and models were analyzed and suggestions for improvement. Based on the location field, abstracted the site required data dimension, to community as the research object, starting from the analysis of correlation, and introduces the characteristics of group behavior model is the location decision-making process. At the same time, broaden the dimensions of data location decision-making process and can realize according to the need to update the location, design platform for the characteristics of behavior groups, to meet the requirements of the iterative model and enhance the versatility of the model.

【学位授予单位】：天津大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：TP311.13

【相似文献】