To describe interaction of banks with corporate clients and the organizations it is necessary to be defined also originally by that we receive as a base component - essence of operations and mutual settlements - namely creation of model of commission of the monetary commodity turnover, which client uses in the bank environment. This model is the main for the reason that on its basis according to special methods of mathematical statistics some functions will be counted specially up.
To describe operation of the working model we will begin with the following description of characteristics of a cash flow made by the client in bank. The cash flow of the client in bank is dynamics of change of volumes of its monetary resources in bank. A form of fixing of this dynamics are various customer accounts in bank on which the income and expenses of the client on various financial operations are fixed. Change of accounts occurs under the influence of two main groups of factors: caused by logic of business of the client and set of contracts of the client with bank. The various external reasons result in need of allocation of these or those periods for the description of a cash flow. In particular, if there is a need for an assessment of efficiency of interaction of the client with bank, it is specified one or several periods equal on extent for which efficiency indicators - sizes which are functionally dependent on existence of means on accounts are calculated. Indicators of efficiency is, in fact, a form of submission of aggregated information on cash flows of the client, intended for justification of administrative decisions on various aspects of development of relationship of bank with the client.
Expression defines set of mathematical models which depending on a look and properties of parameters entering into it can be classified in the various way. Let's give some examples. The class of aposteriorny models includes models of the streams which have already taken place actually (analysis time That more Shopping mall). The class of look-ahead models includes models of the streams which are expected in the future (analysis time That less That). The class of discrete models takes place when the parameter t accepts discrete values, otherwise we have a class of continuous models.
The class of stochastic models takes place when functions D (Cni (t)) are casual, otherwise we have a class of the determined models.
The choice of a class of model is defined by task statement in which interests the model is under construction. Such model of a cash flow of the client in bank is used as methodical base when developing a technique of determination of profitability of the client for bank.
To describe operation of the working model we will begin with the following description of characteristics of a cash flow made by the client in bank. The cash flow of the client in bank is dynamics of change of volumes of its monetary resources in bank. A form of fixing of this dynamics are various customer accounts in bank on which the income and expenses of the client on various financial operations are fixed. Change of accounts occurs under the influence of two main groups of factors: caused by logic of business of the client and set of contracts of the client with bank. The various external reasons result in need of allocation of these or those periods for the description of a cash flow. In particular, if there is a need for an assessment of efficiency of interaction of the client with bank, it is specified one or several periods equal on extent for which efficiency indicators - sizes which are functionally dependent on existence of means on accounts are calculated. Indicators of efficiency is, in fact, a form of submission of aggregated information on cash flows of the client, intended for justification of administrative decisions on various aspects of development of relationship of bank with the client.
Expression defines set of mathematical models which depending on a look and properties of parameters entering into it can be classified in the various way. Let's give some examples. The class of aposteriorny models includes models of the streams which have already taken place actually (analysis time That more Shopping mall). The class of look-ahead models includes models of the streams which are expected in the future (analysis time That less That). The class of discrete models takes place when the parameter t accepts discrete values, otherwise we have a class of continuous models.
The class of stochastic models takes place when functions D (Cni (t)) are casual, otherwise we have a class of the determined models.
The choice of a class of model is defined by task statement in which interests the model is under construction. Such model of a cash flow of the client in bank is used as methodical base when developing a technique of determination of profitability of the client for bank.
No comments:
Post a Comment