Методы оптимизации управления кредитными ресурсами предприятия в условиях неопределенности и риска
кредитные ресурсы, прибыль, оптимизация, управление, устойчивость, риск, неопределенность
The monograph is devoted to the analysis and evaluation of innovation and investment processes in the business environment in industries and enterprises.
The topic of the monograph will be useful for teachers, researchers, specialists of enterprises and institutions, as well as students, undergraduates and graduate students.
The 7th International Conference on Information Communication and Management (ICICM 2017) was held in Moscow, Russia during August 28-30, 2017. The purpose of ICICM is to bring together researchers and people from industry working in the fields of information communication and management. It seeks to offer a broad spectrum of current research in the related area.
The purpose of this work is the development of a core and a module for working with strategies for planning the development of a hotel complex. In the future these ready-made materials are suitable for creating a simulation system that can greatly simplify and accelerate the management and development of hotels of different levels. Also, the structure of hotels has been examined in detail, and the main tasks of strategic development have been singled out. The composition of the tasks is determined, ensuring the fulfillment of the set goals according to the given criteria. Strategies have been developed for the practical implementation of these tasks. The end product is a program that gives users the opportunity to determine the strategies of their enterprise that would meet the goals and criteria of these goals.
The given paper proposes a method to assess credit worthiness based on a continuous scale. This method in contrast to current methods that rely on a binary scale such as bad/good credit uses aggregated randomized indices. Its application may have certain practical benifits in real life, e.g. assessing the individual loan price of a particular person rather than setting a standard loan price for clients. The credit scoring model is based on set of private borrowers information that can be converted into quality function corresponding to a weighting coefficient. These weighting coefficients and quality functions then can be used to compute the quality of credit score on a continuous scale. Results based on data from German credit base have showed the feasibility of the approach. It was found that results of credit scoring with a different scales can not be correctly compared by probability of well classified borrowers.
The subject of the research is developing of simulation system of enterprise management. The aim of this work is development of enterprise management model and the following realization of software, which allows user to simulate possible ways of enterprise development in the long run. Interface and functional part of the marketing subsystem were designed with using the mathematical model of marketing and enterprise management model was studied during the research. Programming language C# was used for the software developing. The result of the work is the study of the mathematical model of enterprise management in the marketing subsystem and the creation of software that allows to consider and test a variety of options for the development of the enterprise in terms of the chosen efficiency criterion, for example, the profit maximization for a long period of the enterprise.
The paper examines the structure, governance, and balance sheets of state-controlled banks in Russia, which accounted for over 55 percent of the total assets in the country's banking system in early 2012. The author offers a credible estimate of the size of the country's state banking sector by including banks that are indirectly owned by public organizations. Contrary to some predictions based on the theoretical literature on economic transition, he explains the relatively high profitability and efficiency of Russian state-controlled banks by pointing to their competitive position in such functions as acquisition and disposal of assets on behalf of the government. Also suggested in the paper is a different way of looking at market concentration in Russia (by consolidating the market shares of core state-controlled banks), which produces a picture of a more concentrated market than officially reported. Lastly, one of the author's interesting conclusions is that China provides a better benchmark than the formerly centrally planned economies of Central and Eastern Europe by which to assess the viability of state ownership of banks in Russia and to evaluate the country's banking sector.
The results of cross-cultural research of implicit theories of innovativeness among students and teachers, representatives of three ethnocultural groups: Russians, the people of the North Caucasus (Chechens and Ingushs) and Tuvinians (N=804) are presented. Intergroup differences in implicit theories of innovativeness are revealed: the ‘individual’ theories of innovativeness prevail among Russians and among the students, the ‘social’ theories of innovativeness are more expressed among respondents from the North Caucasus, Tuva and among the teachers. Using the structural equations modeling the universal model of values impact on implicit theories of innovativeness and attitudes towards innovations is constructed. Values of the Openness to changes and individual theories of innovativeness promote the positive relation to innovations. Results of research have shown that implicit theories of innovativeness differ in different cultures, and values make different impact on the attitudes towards innovations and innovative experience in different cultures.
The paper examines the principles for the supervision of financial conglomerates proposed by BCBS in the consultative document published in December 2011. Moreover, the article proposes a number of suggestions worked out by the authors within the HSE research team.