METHOD OF WORK simulators for training financial management skills of commercial banks in a competitive market BANKING SERVICES

摘要

1.a work unit, simulating the management of the bank, u0437u0430u043au043bu044eu0447u0430u044eu0449u0438u0439u0441u00a0 that model parameters u0437u043du0430u0447u0435u043du0438u00a0 banks u0432u0432u043eu0434u00a0u0442 terminals, u0437u043du0430u0447u0435u043du0438u00a0 parameters u0441u0435u0430u043d sa u043cu043eu0434u0435u043bu0438u0440u043eu0432u0430u043du0438u00a0 u0432u0432u043eu0434u00a0u0442 in u0443u043fu0440u0430u0432u043bu00a0u044eu0449u0443u044e computer connected to a data network (map); modulate the dynamics of real processes, u043fu0440u043eu0438u0441u0445u043eu0434u00a0u0449u0438u0445 marketfrom the u043cu043eu0434u0435u043bu0438u0440u043eu0432u0430u043du0438u00a0 u0437u043du0430u0447u0435u043du0438u00a0 values show with the help of computer terminals and u0443u043fu0440u0430u0432u043bu00a0u044eu0449u0435u0439, u043eu0442u043bu0438u0447u0430u044eu0449u0438u0439u0441u00a0, modulate the dynamics of the real u043fu0440u043eu0446u0435u0441u0441u043e in a way, that each terminal u0441u0442u0430u0432u00a0u0442 in line one virtual bank, stimulate the market banking services through connected to the map model at u0441u0442u0440u043eu0439u0441u0442u0432u0430, u043eu0441u0443u0449u0435u0441u0442u0432u043bu00a0u044eu0449u0435u0433u043e modelling: u0444u0443u043du043au0446u0438u043eu043du0438u0440u043eu0432u0430u043du0438u00a0 virtual banksu0440u0430u0441u043fu0440u0435u0434u0435u043bu0435u043du0438u00a0 borrowers and depositors deposits on virtual banks, the central bank (cb), interbank operations; u0437u043du0430u0447u0435u043du0438u00a0 model parameters ba u043du043au043eu0432 and a u043cu043eu0434u0435u043bu0438u0440u043eu0432u0430u043du0438u00a0 brought u043cu043eu0434u0435u043bu0438u0440u0443u044eu0449u0435u0435 device u0437u043du0430u0447u0435u043du0438u00a0 u0432u044bu0447u0438u0441u043bu00a0u0435u043cu044bu0445 in the u043cu043eu0434u0435u043bu0438u0440u043eu0432u0430u043du0438u00a0 values brought u0443u043fu0440u0430u0432u043bu00a0u044eu0449u0443u044e computer and terminal s, to simulate the interface u0443u043fu0440u0430u0432u043bu0435u043du0438u00a0 each of banks with the help of the terminalthat the bank is in compliance.;2. method of apparatus for u043eu0442u043bu0438u0447u0430u044eu0449u0438u0439u0441u00a0 1, so that the simulation of interbank operations includes u0441u0435u0431u00a0, at least, the simulation u0432u0437u00a0u0442u0438u00a0 and return u043cu0435u0436u0431u0430u043d u043au043eu0432u0441u043au0438u0445 credits (icb).;3. way to work and on 2, u043eu0442u043bu0438u0447u0430u044eu0449u0438u0439u0441u00a0, dependence rates of icb from icb simulate monotonous decreasing and u0441u0442u0440u0435u043cu00a0u0449u0435u0439u0441u00a0 asymptotically with increasing sro ka icb to rate the credit function.;4. method of apparatus for u043eu0442u043bu0438u0447u0430u044eu0449u0438u0439u0441u00a0 3, so that the model parameters in u0441u0435u0431u00a0 bank include, at least, the deposit rate, the rate of the loan, the maximum e importance of steep u0438u0437u043cu0435u043du0435u043du0438u00a0 rate icb depending on the maximum rate of icb, icb, the share of the net profit, the profit share of stock transfer in the ba rna size u043fu0440u0435u0434u043bu043eu0436u0435u043du0438u00a0 credit, speed u043fu043eu0433u0430u0448u0435u043du0438u00a0 debt by the central bank.;5. way to work and on 1, u043eu0442u043bu0438u0447u0430u044eu0449u0438u0439u0441u00a0 what parameters of a u043cu043eu0434u0435u043bu0438u0440u043eu0432u0430u043du0438u00a0 u0441u0435u0431u00a0 include at least: a tax on the income of the bank, frequency tax expenditure, standard bank on its operations, the rate of credit control, the rate of u0438u043du0444u043bu00a0u0446u0438u0438, rate of annual income investors.;6. way to work and on p.1, u043eu0442u043bu0438u0447u0430u044eu0449u0438u0439u0441u00a0, however, that with the help of the simulator is u0432u044bu0447u0438u0441u043bu00a0u044eu0442, at least, the following values: amount of money of each bank, the u0434u0435u043fu043eu0437 each of the number of u0438u0442u043du044bu0445 savings bank, each bank loans at this time, the reserves of each bank. in each bank profit, the part of the accumulated profits of each bank.this can be in the bank, the total profit of each bank, the bank debt of the central bank.;7. way to work and on p.1, u043eu0442u043bu0438u0447u0430u044eu0449u0438u0439u0441u00a0, however, that with the help of the simulator is u0432u044bu0447u0438u0441u043bu00a0u044eu0442 u0434u043bu00a0 each virtual banks the importance of demand for contributions to the deposit, the treatment rate of u0435u043fu043eu0437u0438u0442u0430 the bank on the u0438u043du0444u043bu00a0u0446u0438u0438 amount to all banks on deposit rates u0438u043du0444u043bu00a0u0446u0438u0438, multiplied by the total demand deposits u043eu043fu0440u0435u0434u0435u043bu00a0u0435u043cu0443 yu as the income of investors and the amount of all nested depositsincome investors u043eu043fu0440u0435u0434u0435u043bu00a0u044eu0442u0441u00a0 as the sum of the income depositors in all banks.;8. method of apparatus for u043eu0442u043bu0438u0447u0430u044eu0449u0438u0439u0441u00a0 1, so that with the aid of the simulator is u0432u044bu0447u0438u0441u043bu00a0u044eu0442 u0434u043bu00a0 each virtual banks on credit, u0432u0437u00a0u0442u043eu0433u043e in cb. as the amount of the initial rate of cb and u0438u043du0442u0435u0433u0440u0430u043bu0443 in time from the current u0437u043du0430u0447u0435u043du0438u00a0 debt u043fu043eu0441u0442u043eu00a0u043du043du044bu0439 cb, multiplied by a coefficient.;9. method of apparatus for u043eu0442u043bu0438u0447u0430u044eu0449u0438u0439u0441u00a0 1, so that with the aid of the simulator is reduce the amount of debt the central bank of each of the virtual banks with u0441u043au043eu0440u043eu0441u0442u00a0u043cu0438, oh u043fu0440u0435u0434u0435u043bu00a0u0435u043cu044bu043cu0438 relevant parameters.;10. way to work and on 1, u043eu0442u043bu0438u0447u0430u044eu0449u0438u0439u0441u00a0 so that as the simulator is used u0443u043fu0440u0430u0432u043bu00a0u044eu0449u0443u044e computer.;11. way to work and on p.3, u043eu0442u043bu0438u0447u0430u044eu0449u0438u0439u0441u00a0 that mimic the interface u0443u043fu0440u0430u0432u043bu0435u043du0438u00a0 bank with the help of the terminal, including u0441u0435u0431u00a0 input devices and output by u043eu0442u043eu0431u0440u0430u0436u0435u043du0438u00a0 ol and the help of a device output values of the quantity, u0432u044bu0447u0438u0441u043bu00a0u0435u043cu044bu0445 in the u043cu043eu0434u0435u043bu0438u0440u043eu0432u0430u043du0438u00a0 and transfer to u0443u043fu0440u0430u0432u043bu00a0u044eu0449u0443u044e computers and u043cu043eu0434u0435u043bu0438u0440u0443u044eu0449u0435u0435 device values pa u0440u0430u043cu0435u0442u0440u043eu0432 model bank, the user inputs with the assistance of at leastone of the input devices, and which are included in the u0441u0435u0431u00a0, at least, the amount of money the bank of deposit savings, the number of you these loans at this time, the amount of reserves, the net profit of bank, a part of the accumulated profits of the bank, translated in the bank, the value of total profitthe debt of the central bank; u0438u0437u043cu0435u043du00a0u0435u043cu044bu0435 u0441u0435u0431u00a0 parameters include at least: a deposit, the rate of the loan, the value of any u0438u0437u043cu0435u043du0435u043du0438u00a0 art awka icb depending on the length of icb, maximum rate of interbank loans, the share of the net profit, the profit share of stock transfer to the bank, values i u043fu0440u0435u0434u043bu043eu0436u0435u043du0438u00a0 credit.;12. way to work and on the p.11, u043eu0442u043bu0438u0447u0430u044eu0449u0438u0439u0441u00a0, which are reflected in the graphs of dependencies from time to time.