This invention provides a method, apparatus, device, and readable storage medium for predicting the value of banking business, relating to the field of
computer technology. The method includes: acquiring historical
product data and
demand analysis, whereby the
demand analysis includes demand names, directories, associated systems, and demand rules; calculating a demand
data set based on the historical
product data and
demand analysis, where each element in the demand
data set represents the number of transaction demand modifications, the set of demand rules, and the transaction credit value corresponding to a transaction; establishing a
mathematical model of
product value based on the historical
product data, using the demand
data set as input, and solving the
mathematical model to obtain a
product value set, where each element in the
product value set represents the number of
product demand modifications, the proportion of new business rules, and the product credit value corresponding to a product; and calculating the product value prediction result based on the product
value set. By establishing a value chain relationship between products and demands, the method quantitatively reflects the value attributes of a product, displays the direction of business changes and the quality of demands in real time, assesses the direction of business changes, thereby improving customer experience, reducing operating costs, and forming a positive cycle.