Financial product recommending method, device and equipment and computer storage medium

Abstract

The invention discloses a financial product recommending method. The method comprises the following steps of receiving a financial product releasing request, obtaining financial product information contained in the releasing request, and determining a related product according to the financial product information; obtaining basic behavior data of users in a preset user set, classifying the basic behavior data according to the dimensionality of the related product, and obtaining product behavior data related to the financial product; inputting the product behavior data of the users into a pre-stored user behavior model, performing user behavior analysis, obtaining a purchase intention conclusion of the users for the financial product, and adding the purchase intention conclusion to financial product labels; comparing the financial product labels of the users with preset pushing rules, determining a target user conforming to the pushing rules, and pushing the financial product information to the target user. The invention further discloses a financial product recommending device and equipment and a computer storage medium. The financial product marketing accuracy is improved.

Description

technical field [0001] The invention relates to the field of data processing, in particular to a financial product recommendation method, device, equipment and computer storage medium. Background technique [0002] With the rapid update of the types and quantities of financial products, different companies adopt different marketing strategies. [0003] There are two main methods for the marketing of existing financial products. Method 1: Statistical analysis of customer, product, transaction and other data, combined with business rules to screen out a group of customers, and then promote a certain bank designated by the bank through phone calls or text messages. Products; the marketing method of such financial products needs to analyze the factors that affect the sales of financial products, and then recommend financial products for users, resulting in a large amount of data analysis and processing, and at the same time, it is necessary to manually establish a large and comp...

AI Technical Summary

Problems solved by technology

[0003] There are two main methods for the marketing of existing financial products. Method 1: Statistical analysis of customer, product, transaction and other data, combined with business rules to screen out a group of customers, and then promote a bank designated by the phone or SMS Products; the marketing method of such financial products needs to analyze the factors that affect the sales of financial products, and then recommend financial products for users, resulting in a large amount of data analysis and processing, and at the same time, it is necessary to manually establish a large and complex rule base, which is time-consuming and laborious , and the success rate is not high

Method 2: Use traditional analysis and statistics methods combined with business rules to screen customers for mass marketing of products. Without online in-depth analysis and mining based on customer characteristics, preferences, and transaction behaviors, it is impossible to carry out personalized and precise marketing for customers; how to ensure data Under the premise of the processing capacity, realizing accurate and efficient marketing of financial products has become a technical problem to be solved urgently

Images