Abstract

Deposits are the main source of funds for commercial Banks in China. The growth rate of total bank deposits is relatively stable, which has a crucial impact on the development of national economy and banking industry. Therefore, it is very important to accurately predict the total amount of bank deposits, which can provide a reliable basis for the scientific management of Banks. This paper takes the total deposits of ICBC in each quarter in the past decade as the historical data, which is used to choose smoothing times, initial smoothing values, and optimal smoothing coefficient. Markov chain is combined with second exponential smoothing model, which is used to predicting total deposits of ICBC in 2020.

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