The invention discloses a financial user behavior
analysis method and
system based on a multi-feature
large model, and belongs to the field of financial user
data analysis and
processing. According to the method, financial feature vectors of a user are constructed by collecting historical financial data (including transaction unit price, quantity, financial product
total price, transaction rate and the like) of the user, and the
cosine similarity of any two feature vectors is calculated to perform mean clustering, so that an initial financial category is obtained. Furthermore, through a multi-threshold segmentation and
factor analysis method, the initial category is optimized, independent factors and information contents thereof are extracted, a separation necessity value and a separation value are calculated, and finally a plurality of user categories are divided and financial user portraits are constructed. According to the method, a multi-dimensional
data source and various
data modeling technologies can be effectively fused, the refined description capability of user behaviors is improved, and accurate recommendation and
differentiated services in the financial field are supported. The
system comprises a
data acquisition module, a clustering analysis module, a clustering optimization module, a category
subdivision module, a
factor analysis module, a category division module and a user portrait construction module, and is suitable for financial user behavior analysis, marketing and personalized recommendation.