User behavior determination method and apparatus, and electronic device

Abstract

The invention discloses a user behavior determination method and device and electronic equipment, and the method comprises the steps: receiving a project handling request of a target user, enabling the project handling request to correspond to a to-be-handled target financial project, and enabling the project handling request to at least comprise a handling amount; obtaining project data of the target financial management project, wherein the project data at least comprises a preset total amount of the target financial management project, a first amount of the full-money transaction target financial management project, a second amount of the pre-purchase transaction target financial management project, a first user number of the full-money transaction target financial management project and a second user number of the pre-purchase transaction target financial management project; inputting the project data into a pre-trained neural network model to obtain a predicted residual quota of the target financial project output by the neural network model; and obtaining a behavior determination result at least according to the predicted remaining amount and the transaction amount, the behavior determination result representing whether to handle the target financial management project for the target user.

Description

technical field [0001] The present application relates to the technical field of financial risk control, in particular to a method, device and electronic equipment for determining user behavior. Background technique [0002] At present, financial institutions such as banks usually provide users with a variety of wealth management products, and each wealth management product usually has a limit on the total amount of the project. After the total amount of the project is exceeded, the financial institution will no longer recommend and sell this wealth management product to customers. For the convenience of customers, financial institutions usually provide customers with pre-purchase services, that is, customers can pay a deposit to express their willingness to purchase wealth management products, and the customer can default within a certain period of time, at which time the financial institution will refund the deposit to the customer. After the customer defaults, the amount ...

AI Technical Summary

Problems solved by technology

[0003] However, before the customer defaults, because it is impossible to know whether the customer will default, the financial institution cannot decide whether to continue to apply for the purchase of wealth management products for other customers. Or the amount released by the customer default is low, which will lead to an excessive increase in the total amount of the project; The quota released in the product may not be occupied by any customer, resulting in a waste of quota

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