User evaluation method integrating marketing responsivity and value layering type

The invention discloses a user evaluation method integrating marketing responsivity and value layering types, which comprises the following steps: (1) preparing a data set, analyzing historical data, defining four value layering type users such as a wool type, a low-limit utilization rate type, a high-limit utilization rate type and a conventional type, and enabling a model target label to be 1: yes or 0: no; defining a marketing response target label, similarly 1: yes, 0: no; fixing a data cycle, and preparing a sample set; according to the method, through a newly designed model framework, model output results of a marketing responsivity model and a value layering model and integrated sub-model output results are spliced, and finally probability prediction of user response degrees of different value layering types is completed; according to the method provided by the invention, the user groups of different grades are finally predicted, and a proper marketing strategy is matched, so that not only can the resp