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Process Approach and Construction of the Database for Non-Core Asset Management in Credit Organizations 信贷机构非核心资产管理的流程、方法与数据库建设
Pub Date : 2021-09-12 DOI: 10.26907/1562-5419-2021-24-4-710-753
M. K. Shakirov
A method for building end-to-end management accounting in a division of the Bank’s subdevision specializing in working with non-core assets is proposed. Has been proposed the process approach, an algorithm for building a database for the formation of key performance and control indicators.Has been described the key stages of the department's work, the attribute composition of entities (set) arriving, enriched and transmitted at each stage of the department's work. By modeling the process has been built a role model, access and editing rights for employees. Data sources (reference books) for optimization and unification of the process of filling the database (tuple) are proposed. A method of accessing the database in the Power Query Microsoft Excel add-in is proposed, which allows you to collect data from files of all basic data types, process and refine the received data. In the interactive programming environment Jupyter Notebook, mathematical and financial models for data analysis (logistic regression, decision tree and discounted cash flow method) were built based on data in order to predict costs, the timing of asset exposure and make a decision on the optimal cost of putting property on the Bank's balance sheet and selling price. Based on ready-made libraries (matpotlib, seaborn, plotly), options for data visualization for management are proposed. Using the example of the Bank's division, the author describes the positive effects and opportunities that open up to the management of different levels in solving day-to-day tasks and planning the activities of the division. A technical task was proposed for the development of a showcase for the sale of non-core assets on the Bank's website as an environment for the accumulation of external data for making flexible management decisions.
提出了在世行专门处理非核心资产的分支机构的一个部门建立端到端管理会计的方法。提出了过程方法,一种建立数据库的算法,形成关键绩效和控制指标。描述了部门工作的关键阶段,实体的属性组成(集)在部门工作的各个阶段到达、丰富和传递。通过对流程进行建模,为员工建立了角色模型、访问权限和编辑权限。提出了用于优化和统一填充数据库(元组)过程的数据源(参考书)。提出了一种在Power Query Microsoft Excel外接程序中访问数据库的方法,该方法允许您从所有基本数据类型的文件中收集数据,并对接收到的数据进行处理和细化。在交互式编程环境Jupyter Notebook中,基于数据建立了用于数据分析的数学和财务模型(逻辑回归、决策树和贴现现金流法),以预测成本、资产暴露时间,并决定将资产纳入银行资产负债表的最优成本和销售价格。在现有库(matpotlib、seaborn、plotly)的基础上,提出了用于管理的数据可视化选项。作者以世行部门为例,描述了在解决日常任务和规划部门活动方面为不同级别的管理人员提供的积极影响和机会。提议了一项技术任务,在世界银行网站上为非核心资产的出售开发一个展示橱窗,作为积累外部数据以作出灵活管理决策的环境。
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引用次数: 0
Generation of Three-Dimensional Synthetic Datasets 三维合成数据集的生成
Pub Date : 2021-09-12 DOI: 10.26907/1562-5419-2021-24-4-622-652
V. Kugurakova, Vitaly Abramov, Daniil Ivanovich Kostiuk, R. Sharaeva, Rim Radikovich Gazizova, M. Khafizov
The work is devoted to the description of the process of developing a universal toolkit for generating synthetic data for training various neural networks. The approach used has shown its success and effectiveness in solving various problems, in particular, training a neural network to recognize shopping behavior inside stores through surveillance cameras and training a neural network for recognizing spaces with augmented reality devices without using auxiliary infrared cameras. Generalizing conclusions allow planning the further development of technologies for generating three-dimensional synthetic data.
该工作致力于描述开发用于生成用于训练各种神经网络的合成数据的通用工具包的过程。该方法在通过监控摄像头训练神经网络识别商店内的购物行为,以及在不使用辅助红外摄像头的情况下使用增强现实设备训练神经网络识别空间等各种问题上显示出了成功和有效性。概括结论有助于规划生成三维合成数据的技术的进一步发展。
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引用次数: 2
Data Extraction from Similarly Structured Scanned Documents 从结构相似的扫描文档中提取数据
Pub Date : 2021-09-12 DOI: 10.26907/1562-5419-2021-24-4-667-688
Rustem Damirovich Saitgareev, B. R. Giniatullin, Vladislav Yurievich Toporov, Artur Aleksandrovich Atnagulov, Farid Radikovich Aglyamov
Currently, the major part of transmitted and stored data is unstructured, and the amount of unstructured data is growing rapidly each year, although it is hardly searchable, unqueryable, and its processing is not automated. At the same time, there is a growth of electronic document management systems. This paper proposes a solution for extracting data from paper documents considering their structure and layout based on document photos. By examining different approaches, including neural networks and plain algorithmic methods, we present their results and discuss them.
目前,传输和存储的大部分数据是非结构化的,非结构化数据的数量每年都在快速增长,尽管它很难被搜索、查询,而且它的处理也不是自动化的。与此同时,电子文档管理系统也在不断发展。本文提出了一种基于文档照片的基于文档结构和布局的纸质文档数据提取方法。通过研究不同的方法,包括神经网络和普通算法方法,我们提出了他们的结果并讨论了他们。
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引用次数: 0
System of Information Monitoring of Contractors 承办商资料监察系统
Pub Date : 2021-09-12 DOI: 10.26907/1562-5419-2021-24-4-653-666
D. Kuzmin, K. Grigorian
In the context of ever-increasing informatization, automation and digitalization of business, new schemes of unfair actions by both legal entities and individuals are emerging. In this regard, there is an acute problem of quick, effective and high-quality identification of information about a potential or current counterparty, which will allow you to quickly make the right management decisions.The article describes one of the ways to solve this problem - the development of a system of information monitoring of counterparties, which will allow you to quickly identify and analyze information about their activities.
在商业日益信息化、自动化、数字化的背景下,法人和个人的不正当行为层出不穷。在这方面,快速、有效和高质量地识别潜在或当前对手方的信息是一个严峻的问题,这将使您能够迅速做出正确的管理决策。本文描述了解决这个问题的一种方法——开发一个对交易对手进行信息监控的系统,这将使您能够快速识别和分析有关其活动的信息。
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引用次数: 0
Application of Credit Risk Scoring Methods in Corporate Borrower Monitoring 信用风险评分方法在企业借款人监控中的应用
Pub Date : 2021-09-12 DOI: 10.26907/1562-5419-2021-24-4-689-709
O. Tazenkova
A method for assessing the risk of default of a corporate borrower at the monitoring stage based on a scoring assessment is proposed. This paper provides proof of the hypothesis that scoring methods for assessing credit risks can be used not only at the stage of initial assessment of a potential borrower when making a decision on lending, but also at the stage of its monitoring when accompanying a transaction. Monitoring is a periodic review of the credit quality of the corporate borrower with whom the loan agreement is concluded. This is done for the purpose of timely detection of negative signals, as well as timely response to threatening trends in the borrower's activities.Some credit institutions save on monitoring by relying on the decision-making system, considering it flawless. However, this saving can be a fatal mistake, since many things change over time during the "life" of the enterprise. This is facilitated by both external factors (political, economic) and internal (incorrect development strategy of the organization, inability to assess its own credit capabilities, unscrupulous counterparties).The proposed method is a system of automatic risk signals that have been tested for predictive ability, excluding manual procedures. The proposed solution includes markers (risk signals) that have a predictive ability above average, which can lead to a default of the corporate borrower. In addition, color marking is applied – red, yellow, green, which allows you to visualize the criticality of the identified risk signal depending on the predictive ability - a visual representation of the borrower's risks in order to facilitate interpretation.The analysis of the developed method showed how much it is possible to speed up the monitoring process, which will allow for a prompt response to the identified risk signals, as well as to predict the likely deterioration of the borrower's credit quality in the loan or guarantee portfolio without compromising the quality of risk assessment.
提出了一种基于计分评估的企业借款人违约风险监测方法。本文证明了信用风险评估的计分方法不仅可以用于对潜在借款人进行贷款决策时的初始评估阶段,也可以用于伴随交易的监控阶段。监察是指定期检讨与之订立贷款协议的公司借款人的信贷质素。这样做的目的是及时发现不利的信号,并及时对借款人活动中的威胁性趋势作出反应。一些信贷机构认为决策系统是完美无缺的,因此依靠决策系统来节省监控。然而,这种节省可能是一个致命的错误,因为在企业的“生命周期”中,许多事情会随着时间的推移而变化。这是由外部因素(政治、经济)和内部因素(组织发展战略不正确、无法评估自身信用能力、交易对手无良)共同促成的。所提出的方法是一个自动风险信号系统,该系统已经过预测能力测试,不包括人工程序。建议的解决方案包括具有高于平均水平的预测能力的标记(风险信号),这可能导致公司借款人违约。此外,还应用了颜色标记——红色、黄色、绿色,这使您能够根据预测能力可视化已识别风险信号的严重性——这是借款人风险的可视化表示,以便于解释。对所开发方法的分析表明,加快监测过程的可能性有多大,这将允许对已确定的风险信号作出迅速反应,并在不影响风险评估质量的情况下预测贷款或担保组合中借款人信用质量可能恶化的情况。
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引用次数: 0
Internet Portal "Earth History: Geological Perspective". High-Technology Popularization of Scientific Geological Knowledge 互联网门户网站“地球历史:地质视角”。科学地质知识的高科技普及
Pub Date : 2021-09-12 DOI: 10.26907/1562-5419-2021-24-4-604-621
A. S. Eremenko, V. Naumova, Aleksey Andreevich Zagumennov, V. S. Eremenko, A. Zlobina
This work is related to the development of a high-tech popular science Internet portal "History of the Earth". The developed resource sets as its main goal the popularization of modern scientific geological knowledge using popular science multimedia content and software tools for interactive work with it. The Internet resource is intended for schoolchildren and students, as well as a wide range of Internet users.
这项工作与高科技科普互联网门户网站“地球的历史”的开发有关。开发的资源以普及现代科学地质知识为主要目标,利用科普多媒体内容和与之交互工作的软件工具。互联网资源的目的是为学童和学生,以及广泛的互联网用户。
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引用次数: 1
The Information Retrieval Competencies of Students Faced with Remote and Blended Teaching 面向远程和混合教学的学生信息检索能力
Pub Date : 2021-08-30 DOI: 10.26907/1562-5419-2021-24-3-446-464
Alla Aleksandrovna Vitukhnovskaya
The article describes the problems and features of information retrieval activity of students amid the extreme transition of universities to remote education. The results of a student survey are described, allowing to gain some initial insights into the information retrieval competencies of students in a new reality, when the only opportunity for them is remote access to electronic information systems and electronic educational resources. The competencies necessary for effective information retrieval in a remote and blended teaching have been listed and characterized.
本文阐述了在高校向远程教育的极端过渡中,学生信息检索活动存在的问题和特点。学生调查的结果被描述,允许获得一些初步的见解,在一个新的现实中,当学生的唯一机会是远程访问电子信息系统和电子教育资源的信息检索能力。在远程和混合教学中有效的信息检索所必需的能力已经被列出和特征。
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引用次数: 0
Persistent Homology: Application To Monitoring Hydraulic Fracturing 持续同源:在水力压裂监测中的应用
Pub Date : 2020-11-05 DOI: 10.26907/1562-5419-2020-23-6-1192-1212
Kirill Yurevich Erofeev, M. Ziiatdinov, E. Mokshin
Persistent homology is a topological data analysis tool which is reflecting changes in topological structure of data along its scale. Application of persistent homology to monitoring hydraulic fracturing which is allowing researchers to consider prior information in a natural way is given in the article
持久同构是一种反映数据拓扑结构在尺度上变化的拓扑数据分析工具。本文给出了持续同源性在水力压裂监测中的应用,使研究人员能够以自然的方式考虑先验信息
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引用次数: 0
Library and Museum of the Cabinet of Geography of the Imperial Kazan University 喀山帝国大学地理部图书馆及博物馆
Pub Date : 2020-08-23 DOI: 10.26907/1562-5419-2020-23-5-905-913
E. Gushchina
The article discusses the process of creating and developing a library and museum as part of the educational and scientific material base of the Cabinet of Geography at the Department of Geography and Ethnography of Imperial Kazan University. From the annual reports on the activities of the Department it can be seen that the acquisition of the Library with new editions, and the Ethnographic Museum with collections, was systematic. These processes were interconnected and aimed at creating a high-quality integrated material base for the development of the educational and scientific process. The article emphasizes that the leading role in the processes of forming the library and museum belonged to the head of the Department of Geography and Ethnography, Petr Ivanovich Krotov and Bruno Friedrichovich Adler. Peter Krotov created the Cabinet of Geography. Bruno Adler improved and developed not only the Cabinet of Geography itself, but also ethnographic science in the Volga Region and Russia as a whole. For example, having academic ties with Russian and foreign scientists, Bruno Adler received many publications and subjects for the Cabinet of Geography as a gift. This allowed for the year to increase several times, both the library and the museum under the Cabinet of Geography. The scientifically organized cabinet, which has comprehensive collections and professional literature, has become a quality source base for the development of ethnographic science at Kazan University.
本文论述了喀山帝国大学地理与民族学系地理部教育与科学物质基础图书馆与博物馆的创建与发展过程。从新闻部的年度活动报告中可以看出,图书馆的新版本和民族志博物馆的收藏都是有系统的。这些过程相互关联,旨在为教育和科学过程的发展创造一个高质量的综合物质基础。文章强调,在图书馆和博物馆形成过程中的主导作用属于地理和民族志系主任彼得·伊万诺维奇·克罗托夫和布鲁诺·弗里德里希霍维奇·阿德勒。彼得·克罗托夫创建了地理内阁。布鲁诺·阿德勒不仅改进和发展了地理内阁本身,而且还改进和发展了伏尔加地区乃至整个俄罗斯的民族志科学。例如,布鲁诺·阿德勒与俄罗斯和外国科学家有学术联系,他收到了许多地理学内阁的出版物和课题作为礼物。这使得这一年增加了几倍,图书馆和博物馆都在内阁的地理。科学组织的馆藏齐全,专业文献齐全,已成为喀山大学民族志科学发展的优质资源基地。
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引用次数: 0
Formation of Economic Culture of Students at the Lessons of Mathematics in Primary School 小学数学课堂上学生经济文化的形成
Pub Date : 2019-12-15 DOI: 10.26907/1562-5419-2019-22-6-667-671
Татьяна Николаевна Миракова
In the article discusses the problems of formation of economic culture of younger students in the process of teaching mathematics, provides examples of the economic module of school mathematical problems.
本文探讨了低年级学生在数学教学过程中经济文化的形成问题,并举例说明了学校数学题中的经济模块。
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引用次数: 0
期刊
Russian Digital Libraries Journal
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