我国个人银行结算账户开户数量合理性实证研究

An Empirical Study on the Rationality for the Individual Bank Accounts Number in China

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指导数量并提出数量管理实施路径和相关政策建议。

With the deepening of the financial supply-side structural reform and the process of inclusive finance,the quality of China s financial services has been continuously improved,and the availability and quality of banking services have been significantly improved.Since the implementation of the reform of personal bank account classification,diversified payment needs of individuals have been fully met,and bank account risks have been effectively controlled.However,under the action of market mechanism,the scientific and reasonable number of bank accounts will play a promoting role in stimulating the demand for financial services,realizing inclusive finance and controlling financial risks.In view of the market environment,this paper will establish a scientific analysis framework for the correlation analysis of personal bank account opening demand and the reasonable number of accounts opened,and select the combination of analytic hierarchy process(AHP)and BP neural network,thereby building a prediction model of“personal bank account opening demand-the reasonable number of personal bank accounts”.Finally,according to the demand coefficient of different individual bank account opening,the guidance quantity of individual bank account opening quantity is obtained,and the implementation path of quantity management and relevant policy suggestions are put forward.