基于组合赋权-模糊评价法的商业银行高净值客户价值评价研究

发布时间：2018-08-01 11:34

【摘要】：基于已构建的商业银行高净值客户协同创新价值指标体系,构造群决策AHP法与熵值法的主客观组合赋权法,并借助模糊综合评价法建立评价模型。采用阈值法与多维综合加权法分别处理高净值客户初始定量指标值和定性指标的程度描述语言,并改进隶属度函数形成标准量化隶属度数值,从而使模型既涵盖专家人士和银行内部人员的客观判断,又充分兼顾高净值客户的主观思想。将高净值客户价值模糊综合评价得分,与事先设定的等级分值对比,为商业银行筛选出优质的满足协同创新条件的高净值客户,以便更好地分配银行业务资源,充分利用高净值客户价值,提升私人银行服务水平,增加银行净利润。
[Abstract]:Based on the established cooperative innovation value index system of high net worth customers of commercial banks, the subjective and objective combination weighting method of group decision making (AHP) method and entropy method is constructed, and the evaluation model is established by means of fuzzy comprehensive evaluation method. The degree description language of initial quantitative index value and qualitative index of high net worth customer is treated by threshold method and multi dimensional comprehensive weighting method, and the membership function is improved to form the standard quantitative membership degree value. Thus, the model not only covers the objective judgment of experts and bank insiders, but also gives full consideration to the subjective thoughts of high net worth clients. Comparing the fuzzy comprehensive evaluation score of high net worth customer value with the pre-set grade score, the commercial banks can select high quality high net worth customers who meet the conditions of collaborative innovation, so as to better allocate the banking business resources. Make full use of high net worth customer value, improve the level of private banking services, increase bank net profit.
【作者单位】：武汉理工大学经济学院;
【基金】：国家社会科学基金项目“脆弱信用环境下村镇银行信用风险管理创新研究”,项目编号:14BGL185 武汉理工大学研究生自主创新项目“基于决策树-BP神经网络的高净值客户价值评价”,项目编号:155215005
【分类号】：F224;F832.33

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