A kind of integrated approach for finance product commending system

The present invention discloses a kind of integrated approach for finance product commending system, and the collaborative filtering based on data smoothing can be filled sparse data, reduce the sparse sex chromosome mosaicism of data.Historical data is not needed based on demographic proposed algorithm, does not depend on the attribute of article yet, can solve the problems, such as the cold start-up of user；Two kinds of algorithms and the good proposed algorithm based on item cluster and matrix decomposition of performance capabilities are integrated, expands the usage scenario of proposed algorithm, improves the adaptivity of proposed algorithm.Integrated approach of the present invention can efficiently reduce the sparsity of data and solve the problems, such as cold start-up, promote the recommendation performance to each user.