| 摘要: |
| 随着金融供给侧结构性改革和普惠金融进程的不断深入,我国金融服务质量不断提升,银行服务的可获得性和服务质量均得到明显改善。个人银行账户分类改革实施以来,个人多元化支付需求得到充分满足,银行账户风险得到有效控制。但在市场机制作用下,科学合理的银行账户数量对刺激金融服务需求、实现普惠金融、控制金融风险将起到推动作用。本文将针对市场环境下, 通过建立科学的分析框架对个人银行账户开立需求与合理开户数量进行关联分析,选取层次分析法AHP和BP神经网络组合,训练得出“个人银行账户开立需求-个人银行账户合理数量”预测模型。最终根据不同个体银行账户开户需求系数得到个人银行开户数量指导数量并提出数量管理实施路径和相关政策建议。 |
| 关键词: 个人银行账户;银行账户需求;合理账户数量;层次分析法;BP神经网络 |
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| An Empirical Study on the Rationality for the Individual Bank Accounts Number in China |
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WANG Tao1, XU Yingying2
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1.The People’s Bank of China,Chongqing Operations Office;2.College of Mathematics and Statistics,Chongqing University
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| Abstract: |
| With the deepening of structural reform in financial supply-side and enhancement of inclusive finance, both of the availability and quality of banking services have been significantly improved. In light of the launch of the classification reform, the demand for individual diversified payments has been effectively met, and bank account risks have been to some extend controlled. However, under the circumstances of market mechanism, a scientific and reasonable number of bank accounts will play a promoting role in stimulating the demands for financial services and controlling the systematic financial risk as well. Firstly concentrated on the needs of the bank customers for opening a personal bank account, this paper resorts to establish an analytic combination including the AHP and BP neural network thereby building a "personal bank account open demand - rational personal bank account number" forecasting model according to the different individual account-opening demands. Finally, the implementation path and relevant suggestions are given. |
| Key words: Personal Bank Account; Demands for the Bank Account; Analytic Hierarchy Process (AHP); BP Neural Network |
