Comparative Analysis of Machine Learning Models for Customer Churn Prediction in the U.S. Banking and Financial Services: Economic Impact and Industry-Specific Insights

Customer churn poses a significant challenge for the banking and finance industry in the United States, directly affecting profitability and market share. This study conducts a comprehensive comparative analysis of machine learning models for customer churn prediction, focusing on the U.S. context. The research evaluates the performance of logistic regression, random forest, and neural networks using industry-specific datasets, considering the economic impact and practical implications of the findings. The exploratory data analysis reveals unique patterns and trends in the U.S. banking and finance industry, such as the age distribution of customers and the prevalence of dormant accounts. The study incorporates macroeconomic factors to capture the potential influence of external conditions on customer churn behavior. The findings highlight the importance of leveraging advanced machine learning techniques and comprehensive customer data to develop effective churn prevention strategies in the U.S. context. By accurately predicting customer churn, financial institutions can proactively identify at-risk customers, implement targeted retention strategies, and optimize resource allocation. The study discusses the limitations and potential future improvements, serving as a roadmap for researchers and practitioners to further advance the field of customer churn prediction in the evolving landscape of the U.S. banking and finance industry.

Analysis of the Reform of Ideological and Political Education in College English Curriculum from the Perspective of“Cultural Confidence”

With the rapid development of the education industry,higher requirements have been put forward for college English education and teaching,accelerating the pace of college English reform.Issues such as how to integrate knowledge transmission,language expression skill improvement,cultural element extraction,and ideological and political education,and present the role of curriculum education function have attracted attention.In the era of informatization,college students’thinking has undergone certain changes and gradually developed towards diversification.Therefore,universities should start from the perspective of cultural confidence,extract valuable ideological and political elements,and explore effective tourism ideological and political teaching methods.While helping college students enhance their cultural confidence,it is also beneficial for them to better inherit traditional Chinese culture.This article conducts an in-depth exploration of ideological and political education in college English courses from the perspective of“cultural confidence”and uses scientific and effective measures to solve the problems encountered,aiming to provide valuable guidelines for relevant researchers.

Significance of“Printing English”in the Curriculum Setting of Business English Majors(Publishing Direction)

With the development of the global economy and the quick growth of international exchanges,Business English major plays an increasingly important role in higher education.The training goal of Business English major(publishing direction)has gradually shifted from the improvement of studentslanguage abilities to the cultivation of more specialized business knowledge and publishing skills.As an important course for Business English majors(publishing direction),Printing English is of great significance for cultivating studentsprofessional quality,professional competitiveness,career development,and practical ability.From the perspective of curriculum setting,it is necessary to re-understand the importance of Printing English in the curriculum setting of Business English major(publishing direction),and put forward corresponding teaching methods and strategies.

A Study on the Values and Strategies of English Picture Book Reading for Improving Pupils’ English Reading Literacy

Reading is one of the core skills in English learning.It is indispensable for EFL learners to develop good English reading literacy in primary schools.English picture books are consistent with pupils’cognitive and thinking modes,which is valuable to improve their English reading literacy.However,at present,most Chinese pupils have some problems in English reading.The paper aims at analyzing the current problems in Chinese pupils’English reading and digging out the values and strategies of English picture book reading,so as to stimulate their reading interests,cultivate their intercultural awareness,and improve their English reading literacy.

On English Teaching From the Scope of China's Mainland

In China,English is required in every school of China and many achievements have been made in this part of the world.The English level of Chinese has been greatly improved but the problems still exist in this country.Communicative approach and many other successful teaching methods have been employed;however,the problems in English teaching still occur and last to the present time.Many efforts have been made to have outstanding and successful results in English teaching.We therefore hope much success will be achieved as quickly as possible.

Analysis of English Testing Based on Reliability Theory in Language Testing-Taking the English Midterm Test for the First Grade of a Middle School in Hangzhou as an Example

Based on the reliability theory in language testing,this study analyzes the midterm English test of a first grade class in Hangzhou using SPSS software.We will analyze the overall structure and reliability of the test paper,and use cloze as a representative of objective questions to calculate their difficulty and discrimination,in order to explore the quality of the questions and the mastery of the knowledge learned by students.The purpose of this analysis and research is to improve the quality of exam questions and help teachers get useful information from exam results,thereby improving teaching quality.

Exploring Phonetic Differences and Cross-Linguistic Influences: A Comparative Study of English and Mandarin Chinese Pronunciation Patterns

Exploring the differences in phonemes and cross-linguistic influences, particularly by comparing the pronunciation patterns of English and Mandarin, is crucial for language learners. Such comparative studies can help learners better understand and overcome the pronunciation difficulties encountered during second language acquisition. English and Mandarin have significant differences in their vowel and consonant systems, tones, intonation, and syllable structures. A deep understanding of these differences allows learners to engage in targeted pronunciation training, reducing accent interference. This research provides guidance for improving language teaching methods, enabling teachers to design more effective pronunciation strategies and exercises based on the students’ native language backgrounds, thus enhancing learning outcomes. Additionally, cross-linguistic studies aid in improving speech recognition and conversion technologies, achieving higher accuracy and naturalness in multilingual speech processing systems. From a cultural exchange perspective, understanding and respecting the phonetic characteristics of different languages help to enhance the effectiveness and mutual understanding in cross-cultural communication. The comparative study of English and Mandarin pronunciation patterns not only provides a theoretical foundation for language education and technological applications but also promotes effective communication in multilingual environments. This thesis uses a comparative research method to elucidate the study of English and Mandarin pronunciation patterns. It begins with an analysis of the characteristics and similarities of the pronunciation patterns in both languages. The thesis then examines the differences between English and Mandarin pronunciation patterns through four aspects: the number and complexity of vowel phonemes, types and distribution of consonant phonemes, tones and stress, and intonation and phonetic phenomena. Finally, based on the comparative analysis of the differences, the thesis offers targeted policy recommendations for learning English and Mandarin.

Surveying on English Mobile Learning Among University Students: Current State and Influencing Factors

Mobile learning integrates mobile technology with digital learning,offering flexible,personalized content and portable equipment.It enables access to rich content and enhances learning efficiency.Therefore,it has become mainstream to utilize mobile devices for English learning among university students’English learning.The current study aims to examine the current situation and influencing factors of university students’English mobile learning.98 university students in one university of Shanghai participated the study and the questionnaire was used to collect the data.The results indicated that most university students already have electronic devices to support mobile learning.Personal factors,environmental factors,digital literacy,and technological capabilities are the main factors affecting university students’English mobile learning.The current study has implications for learners,teachers,and software developers.Learners should adjust their learning motivation,play an active role,and fully utilize the mobile platform to obtain resources and improve learning efficiency.Teachers should incorporate the advantages of mobile teaching and promote categorized and tiered teaching.Software developers should add new functions on the basis of meeting the basic needs of learners and continuously innovate the mobile learning platform.

Research and Practice of Flipped Classroom Teaching Mode of Integrated Business English Course Under MOOC Environment

As an online course-teaching mode,Massive Open Online Course(MOOC)has drawn great attention from both teachers and students.It is necessary to give full play to the advantages of MOOC resources and to enhance teachers’consciousness of“identity remodeling”in the process of Integrated Business English flipping classroom teaching.Combining the advantages of MOOC and flipped classroom teaching during before-,during-,and after-class will greatly help promote the overall quality of business English teaching in universities.

A Study of Innovative College English Teaching Model for Global Competence

Against the backdrop of globalization and deepening international cooperation,countries are putting forward higher demands on the global competence of talents.In this context,college English teaching,as an important part of the higher education system,faces the challenge of cultivating globally competent talents.This study analyzes the core components of global competence through literature review,analyzes the deficiencies in existing college English teaching,and aims to explore and construct a college English teaching model that is compatible with the global competence framework.This study explores how to integrate global competency development into college English teaching from three aspects:curriculum content,teaching methodology,and assessment system.We expect that the proposed teaching model can effectively improve students’English application skills,intercultural communication skills,and critical thinking skills,so as to better meet the demand for global competence in the context of globalization.

The Application of Formative Assessment in Interactive Comprehensive English Classroom Teaching

Teaching evaluation is an important part of the teaching process of college English courses,and effective formative assessment can reflect the entire teaching process from multiple perspectives and ensure the smooth achievement of teaching objectives.Formative assessment is an assessment that runs through the entire learning process,based on humanism and constructivism,with various forms of evaluation.

Towards Lessening Learners’Aversive Emotions and Promoting Their Mental Health:Developing and Validating a Measurement of English Speaking Demotivation in the Chinese EFL Context

While a plethora of studies has been conducted to explore demotivation and its impact on mental health in second language(L2)education,scanty research focuses on demotivation in L2 speaking learning.Particularly,little research explores the measures to quantify L2 speaking demotivation.The present two-phase study attempts to develop and validate an English Speaking Demotivation Scale(ESDS).To this end,an independent sample of 207 Chinese tertiary learners of English as a Foreign Language(EFL)participated in the development phase,and another group of 188 Chinese EFL learners was recruited for the validation of the scale.Exploratory Factor Analysis(EFA)and Confirmatory Factor Analysis(CFA)were employed to determine the factor structure of the scale.The EFA results revealed a six-factor solution with Teacher-related Factors in Learning Spoken English(TFLSE),Interest and Valence in Learning Spoken English(IVLSE),Self-efficacy in Learning Spoken English(SELSE),Negative Peer Influence in Learning Spoken English(NPILSE),Undesirable Environment for Learning Spoken English(UELSE),and Negative Influence of Assessment and Learning Materials in speaking class(NIALM).In the validation phase,Confirmatory Factor Analysis(CFA)was performed to validate the internal structure of the scale.The CFA results showed that the model fits the data well.Overall,the ESDS is a robust and trustworthy psychometric tool that could be utilized to examine L2 speaking demotivation.Implications for diminishing EFL learners’demotivation,lessening their aversive emotions and promoting their mental health are also discussed.

The Role and Value of Sociolinguistics in English Language Teaching

This paper aims to explore how the study of sociolinguistics can benefit teachers,particularly in the context of teaching English as a Foreign Language(EFL)in China.The article will first examine how sociolinguistic knowledge can reshape teachers’perceptions of“English,”focusing on aspects such as English varieties,World Englishes,and Chinese English.Following that,the article discusses the necessity of rethinking current practices in English language teaching,including the nativeness paradigm and the concept of communicative competence based on a reconceptualized view of“English.”Additionally,the discussion will focus on how teachers,informed by sociolinguistic awareness of non-native teachers’identities and teacher agency,can address and resolve existing challenges in EFL teaching.Finally,the article will conclude by summarizing the key issues discussed and highlighting the significance of studying sociolinguistics for language practitioners in China.

An Analysis on the Blended Teaching Mode of College English

This paper explores blended teaching in college English from five aspects:the connotation,theoretical basis,design principles,advantages,and challenges of blended teaching and blended teaching models.The purpose is to attract more foreign language practitioners and learners to pay attention to this model and put it into practice.

English Speaking Online in the Turkish Teaching Context:A Theoretical Approach

The world initiated a new era with the emergence of the Covid-19 pandemic.Education all around the globe,including Turkey,was impacted to a great extent.Both teachers and learners were required to adapt to online education within a short period of time.Although previous studies had focused on the impacts of teaching English in general for teachers and learners,studies focusing on teaching of the speaking skills online particularly in the Turkish context was absent in the literature.Therefore,the gap which was to be considered appropriate for this research is related to comprehending the perceptions and challenges EFL teachers confronted while attempting to teach the speaking skills online within the Turkish context.This article aims to have a theoretical contribution to the current research,in order to see the significance of the Turkish context,as online teaching of English speaking was to be considered beneficial for learners,as it increased confidence for the interaction.

Four Dimensions of Integrating Chinese Culture Into College English Teaching From the Perspective of Tyler’s Basic Principles

Integrating Chinese culture into college English can not only enhance students’humanities literacy and cultivate their cultural confidence,but also facilitate the inheritance and international dissemination of Chinese culture.Taking Tyler’s curriculum framework as the starting point,this paper analyzes some factors that affect the integration of Chinese culture into the college English teaching and proposes some strategies for the integration of Chinese culture into college English teaching by innovating teaching objectives,enriching teaching contents,transforming modes of course delivery,and reconstructing the assessment system.

English-Chinese Translation of Science and Technology Texts Based on the Differences Between Chinese and Western Modes of Thinking

As a tool for human communication,the use of language is affected by the way of thinking in cross-cultural communication.Due to the differences between Chinese and Western cultures,the way of thinking varies under the influence of such cultural differences.In the process of translation,the influence of the different thinking mode on translation activities cannot be ignored.At present,a lot of studies and researches have focused on the influence of Chinese and Western thinking mode on translation.However,it is still worthwhile to study what specific influence the difference between Chinese and Western thinking mode will exert on the translation process of science texts and what kind of measure should be taken to solve the negative influence brought by the differences when we are translating.This paper aims to discuss the influence of thinking differences between Chinese and Western countries on the process of English-Chinese translation of science and technology from the perspectives of long sentences,passive voice and nominalization,and how the translators should appropriately adjust their thinking pattern and use reasonable skills to eliminate the potential negative interference caused by the difference and achieve a better transformation between English and Chinese.

On Nonce Variant of English Idioms

English idiom variant refers to the form of idiom created by means of altering some original components,structures,or meanings of the former idioms.The nonce variant of English idioms can be analyzed from the following three aspects:reasons for formation of nonce variant,types into which it could be divided,and rhetorical functions it is capable of producing.Through the analysis of these three aspects,it is almost likely for language-users to realize the importance and modes of idiom’s renovation,get a better understanding of English idioms,and thus utilize English idioms more skillfully.

Linguistic Features of Oral English Corpora and Their Implications for English Teaching in Colleges and Universities

The main goal of English teaching in colleges and universities is to cultivate students’ability to use the language,but many students are still unable to complete oral communication fluently after years of study.For this reason,teachers need to deeply analyze and study the linguistic features of oral English corpora and formulate reasonable teaching strategies to improve students’oral expression skills.This paper outlines the linguistic features of oral English corpora,comparatively analyzes the differences between oral English corpora and written English corpora,and explores effective teaching strategies,hoping to provide guidelines for relevant teachers.

Identity Study of English for Specific Purposes Teachers in the Context of Shifts in Public English Teaching Positioning

This study investigates the identity of English for Specific Purposes(ESP)teachers within the dynamic landscape of shifts in public English teaching positioning.Adopting a mixed-methods approach,qualitative and quantitative analyses were employed to explore the complexities of ESP teacher identity construction and adaptation.Qualitative findings revealed key themes including strong professional identity grounded in specialized expertise,the impact of changing educational policies and curriculum reforms,and the importance of cultural competence and intercultural communication.Quantitative analysis of survey data indicated high levels of job satisfaction among ESP teachers,with significant correlations between variables such as professional development participation,perceived efficacy in technology integration,and self-perceptions of identity as ESP educators.