首页|基于知识图谱的银行中小企业营销模型构建

基于知识图谱的银行中小企业营销模型构建

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为了提高银行对优质中小企业的识别效率,让数据驱动业务提升,改变银行传统的对公客户营销中存在的信息不对称、以重点大客户为主、过于依赖专家经验等问题,提出了一种基于知识图谱的中小型企业营销模型.通过构建企业间关系网络,形成营销图谱网络,并利用企业图谱特征和评分卡特征筛选优质企业,最后挖掘出潜在的优质企业名单.在相关数据集上的模型训练和实验表明,该模型表现优异,可广泛应用于金融行业客户营销领域.
Construction of the marketing model of banks towards small and medium-sized enterprises based on knowledge graph
To improve banks'efficiency and data-driven capability in identifying small and medium-sized enterprises(SMEs)and to solve the problems in the traditional corporate mar-keting such as information asymmetry,too much focus on key clients and over-reliance on expert experience,a marketing model of SMEs based on knowledge graph is proposed.Through the construction of inter-enterprise relationship network,a marketing map network is formed.Then high-quality enterprises are screened by combining the characteristics of the enterprise graph with the score cards,and finally the list of potential high-quality enterprises is excavated.The model training and experiments on relevant data sets show that the model performs well and can be widely used in the client marketing of financial industry.

client marketingSME marketing modelknowledge graphbanking businessXGBoost model

王秀鸾、张鹏展、杨鑫、刘杰

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青岛理工大学 信息与控制工程学院,青岛 266525

青岛银行 数据管理部,青岛 266114

客户营销 中小企业营销模型 知识图谱 银行业务 XGBoost模型

2024

青岛理工大学学报
青岛理工大学

青岛理工大学学报

影响因子:0.514
ISSN:1673-4602
年,卷(期):2024.45(3)