Value evaluation method and device for asset allocation, electronic equipment and medium

Abstract

The invention provides a value evaluation method and device for asset allocation, electronic equipment and a medium. The value evaluation method comprises the steps of acquiring a transfer coefficientrepresenting transfer of a specified service among multiple sub-periods in a life cycle to obtain a transfer matrix, wherein the multiple sub-periods correspond to different estimated object states respectively; obtaining estimated direct earnings of the estimated object in each sub-period at least based on the transfer matrix and the estimated earnings of the estimated object in each sub-period;based on the estimated direct earnings of the estimated object in each sub-period and the cost of the estimated object in each sub-period, obtaining an estimated direct value of the estimated objectin each sub-period; and based on the estimated direct value of the estimated object in each sub-cycle, obtaining the estimated direct value of the estimated object in the life cycle for the specifiedservice, so as to allocate resources to the estimated object based on the estimated direct value of the estimated object in the life cycle for the specified service.

Description

technical field [0001] The present disclosure relates to the field of computer technology, and more specifically, to a value evaluation method, device, electronic device and medium for asset allocation. Background technique [0002] Regarding the technical means of credit card user lifetime value (CLV) measurement, for example, directly measure the overall value contribution of a single user or a user group of a specific dimension. For another example, based on the different internal states of the user, including the customer acquisition stage, surviving stage, and development stage, etc., the value contribution of a single user in each of the above stages is calculated. [0003] In the process of implementing the disclosed concept, the inventors found that there are at least the following problems in the related technologies. The CLV measurement method for a single user hardly takes into account the user's past transactions and inactive users, while the CLV measurement meth...

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Problems solved by technology

[0003] In the process of implementing the disclosed concept, the inventors found that there are at least the following problems in the related technologies. The CLV measurement method for a single user hardly takes into account the user's past transactions and inactive users, while the CLV measurement method for user groups does not Taking into account the differences among users

The above problems will lead to low accuracy of the estimated results, which in turn will cause the asset allocation results based on the estimated results to fail to meet user needs. For example, when the estimated results are inaccurate, the allocation of advertising resources, service resources, and promotion resources will For users with low demand, resulting in waste of resources

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