银行对公存款模型探索

对公款是银行各项存款的重要组成部分，是银行信贷资金的主要来源之一，探索对公存款的活动规律已引起金融部门的高度重视．本文从某市近五年的实际数据出发，通过多元线性回归的方法，建立了对公存款活动规律的数学模型，并对模型进行了各种检验，结果表明模型合格可用，利用它对未来五年的活动规律进行了预测、取得了令人满意的结果．

A Study on the Model of Enterprise Depositing

Enterprise depositing, as an important part of total deposits, is one of main sources of credit funds in bank. Studying on the pattern of enterprise depositing has drawn a great attention of financial institutions.Based on the real financial data of a city within recent five years, this paper presents a mathematical model for the pattern of enterprise depositing, which is established with multi-linear regression method. Several tests in different banks demonstrates that the model is qualified,and the evidence of predicting the pattern of enterprise depositing for the coming five years also shows a satisfactory result.