CAJ | 학술논문

银行产品的营销行为都是针对广大客户的。若能提前分辨出哪些是优质客户，再为其定制合理的营销策略，那银行就能获得更大的竞争力。文中将遗传算法与BP神经网络结合用于对银行客户分类进而预测客户是否会购买银行产品。该方法有效地克服了BP神经网络容易陷入局部极小值和收敛速度慢的问题，并且针对其中遗传算法的计算时间和精度问题提出了一种新的自适应遗传算法。实验结果表明，基于这种自适应的遗传神经网络的方法用更短的计算时间达到了更高的预测精度，可以准确地为银行客户分类。
은행산품적영소행위도시침대엄대객호적。약능제전분변출나사시우질객호，재위기정제합리적영소책략，나은행취능획득경대적경쟁력。문중장유전산법여BP신경망락결합용우대은행객호분류진이예측객호시부회구매은행산품。해방법유효지극복료BP신경망락용역함입국부겁소치화수렴속도만적문제，병차침대기중유전산법적계산시간화정도문제제출료일충신적자괄응유전산법。실험결과표명，기우저충자괄응적유전신경망락적방법용경단적계산시간체도료경고적예측정도，가이준학지위은행객호분류。
The products in bank marketing are faced to the majority of customers. If tell in which are high-quality customers in advance and then develop reasonable marketing strategy for them,bank will be able to achieve greater competitiveness. It combines genetic algo-rithm with BP network for bank customers classification to predict whether the customers will buy the bank marketing products. It can ef-fectively overcome the shortcomings of BP network,such as trapping to the local minimum and slowness in training speed. Aiming at the computation time and accuracy of genetic algorithm,a new adaptive GA-BP algorithm is proposed. Experimental results show that the a-daptive GA-BP algorithm can reach a higher prediction accuracy with a shorter calculation time and it can classify bank customers accu-rately.