Analysis of the Fluctuation of Bank Interest Rate Based on Computer Statistical Model and Machine Learning

In order to improve the effect of bank interest rate volatility analysis, this article combines actual conditions and machine learning algorithms to construct a fluctuation analysis model of bank interest rate based on computer statistical model and machine learning. For the data with system transfo...

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Autor principal: Jiangning Cao
Formato: article
Lenguaje:EN
Publicado: Hindawi Limited 2021
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Acceso en línea:https://doaj.org/article/c6d296ea6a6241b49a9e56a754f4f2aa
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Sumario:In order to improve the effect of bank interest rate volatility analysis, this article combines actual conditions and machine learning algorithms to construct a fluctuation analysis model of bank interest rate based on computer statistical model and machine learning. For the data with system transformation, the data contains stationary and nonstationary processes; so, the power of the standard unit root test is low. This paper therefore proposes a new unit root test method. From demand analysis, system design to system implementation, and testing, advanced software engineering-related ideas are adopted, and the bank’s interest rate management system is designed and implemented in strict accordance with software development-related processes. This paper adopts the modular design idea, classifies the functions to be realized according to their content, and conducts structural verification and performance analysis of the functional modules. Through experimental analysis, we can see that the system model constructed in this paper has certain effects in the analysis of interest rate fluctuations.