title: ÐÐ¾Ð´ÐµÑÐ½Ð¸Ð·Ð°ÑÐ¸Ñ ÑÐ¸ÑÑÐµÐ¼Ñ Ð¿Ð¾Ð´Ð´ÐµÑÐ¶ÐºÐ¸ Ð¿ÑÐ¸Ð½ÑÑÐ¸Ñ ÑÐµÑÐµÐ½Ð¸Ñ Ð¿ÑÐ¸ Ð²ÑÐ´Ð°ÑÐµ Ð±Ð°Ð½ÐºÐ¾Ð²ÑÐºÐ¸Ñ Ð³Ð°ÑÐ°Ð½ÑÐ¸Ð¹
title: Ð²ÑÐ¿ÑÑÐºÐ½Ð°Ñ ÐºÐ²Ð°Ð»Ð¸ÑÐ¸ÐºÐ°ÑÐ¸Ð¾Ð½Ð½Ð°Ñ ÑÐ°Ð±Ð¾ÑÐ° Ð¼Ð°Ð³Ð¸ÑÑÑÐ°
titleType: Subtitle
title: Modernization of the decision support system for issuing bank guarantees
Creators: name: ÐÑÐ¾ÑÐ¾Ð², Ð¡ÑÐ°Ð½Ð¸ÑÐ»Ð°Ð²
Publisher: name: Ð¡Ð°Ð½ÐºÑ-ÐÐµÑÐµÑÐ±ÑÑÐ³ÑÐºÐ¸Ð¹ Ð¿Ð¾Ð»Ð¸ÑÐµÑÐ½Ð¸ÑÐµÑÐºÐ¸Ð¹ ÑÐ½Ð¸Ð²ÐµÑÑÐ¸ÑÐµÑ ÐÐµÑÑÐ° ÐÐµÐ»Ð¸ÐºÐ¾Ð³Ð¾
Year: 2022
Subjects: ÐÑÐ¸Ð½ÑÑÐ¸Ðµ ÑÐµÑÐµÐ½Ð¸Ð¹
Ð±Ð°Ð½ÐºÐ¾Ð²ÑÐºÐ¸Ðµ Ð³Ð°ÑÐ°Ð½ÑÐ¸Ð¸
Ð½ÐµÑÐµÑÐºÐ°Ñ Ð»Ð¾Ð³Ð¸ÐºÐ°
Ð´ÐµÑÐµÐ²ÑÑ ÑÐµÑÐµÐ½Ð¸Ð¹
bank guarantees
fuzzy logic
decision trees

description: Ð¢ÐµÐ¼Ð° Ð²ÑÐ¿ÑÑÐºÐ½Ð¾Ð¹ ÐºÐ²Ð°Ð»Ð¸ÑÐ¸ÐºÐ°ÑÐ¸Ð¾Ð½Ð½Ð¾Ð¹ ÑÐ°Ð±Ð¾ÑÑ: Â«ÐÐ¾Ð´ÐµÑÐ½Ð¸Ð·Ð°ÑÐ¸Ñ ÑÐ¸ÑÑÐµÐ¼Ñ Ð¿Ð¾Ð´Ð´ÐµÑÐ¶ÐºÐ¸ Ð¿ÑÐ¸Ð½ÑÑÐ¸Ñ ÑÐµÑÐµÐ½Ð¸Ñ Ð¿ÑÐ¸ Ð²ÑÐ´Ð°ÑÐµ Ð±Ð°Ð½ÐºÐ¾Ð²ÑÐºÐ¸Ñ Ð³Ð°ÑÐ°Ð½ÑÐ¸Ð¹Â». ÐÐ°Ð½Ð½Ð°Ñ ÑÐ°Ð±Ð¾ÑÐ° Ð¿Ð¾ÑÐ²ÑÑÐµÐ½Ð° Ð¼Ð¾Ð´ÐµÑÐ½Ð¸Ð·Ð°ÑÐ¸Ð¸ ÑÐ¸ÑÑÐµÐ¼Ñ Ð¿Ð¾Ð´Ð´ÐµÑÐ¶ÐºÐ¸ Ð¿ÑÐ¸Ð½ÑÑÐ¸Ñ ÑÐµÑÐµÐ½Ð¸Ð¹ Ð¿ÑÐ¸ Ð²ÑÐ´Ð°ÑÐµ Ð±Ð°Ð½ÐºÐ¾Ð²ÑÐºÐ¸Ñ Ð³Ð°ÑÐ°Ð½ÑÐ¸Ð¹, Ð¿ÑÐµÐ´Ð½Ð°Ð·Ð½Ð°ÑÐµÐ½Ð½Ð¾Ð¹ Ð´Ð»Ñ ÑÐ¾ÑÑÑÐ´Ð½Ð¸ÐºÐ¾Ð² Ð±Ð°Ð½ÐºÐ° Ð¿ÑÐ¸ ÑÐ°ÑÑÐ¼Ð¾ÑÑÐµÐ½Ð¸Ð¸ Ð·Ð°ÑÐ²ÐºÐ¸ Ð½Ð° Ð²ÑÐ´Ð°ÑÑ Ð³Ð°ÑÐ°Ð½ÑÐ¸Ð¸. ÐÐ°Ð´Ð°ÑÐ¸, ÐºÐ¾ÑÐ¾ÑÑÐµ ÑÐµÑÐ°Ð»Ð¸ÑÑ Ð² ÑÐ¾Ð´Ðµ Ð¸ÑÑÐ»ÐµÐ´Ð¾Ð²Ð°Ð½Ð¸Ñ: 1. ÐÑÑÐ»ÐµÐ´Ð¾Ð²Ð°Ð½Ð¸Ðµ ÑÐµÐ¾ÑÐ¸Ð¸ ÑÑÑÑÐ¾Ð¹ÑÑÐ²Ð° Ð¿Ð¾Ð´Ð¾Ð±Ð½ÑÑ ÑÐ¸ÑÑÐµÐ¼, Ð²ÑÐ¿Ð¾Ð»Ð½ÐµÐ½Ð¸Ðµ ÐºÑÐ°ÑÐºÐ¾Ð³Ð¾ Ð¾Ð±Ð·Ð¾ÑÐ° Ð¸Ð¼ÐµÑÑÐ¸ÑÑÑ ÑÐµÑÐµÐ½Ð¸Ð¹; 2. Ð¤Ð¾ÑÐ¼Ð°Ð»Ð¸Ð·Ð°ÑÐ¸Ñ Ð¸ Ð¾Ð¿Ð¸ÑÐ°Ð½Ð¸Ðµ Ð¿ÑÐµÐ´Ð¼ÐµÑÐ½Ð¾Ð¹ Ð¾Ð±Ð»Ð°ÑÑÐ¸ Ð´ÐµÑÑÐµÐ»ÑÐ½Ð¾ÑÑÐ¸ Ð¸ ÑÐ°ÑÐ°ÐºÑÐµÑÐ¸ÑÑÐ¸Ðº ÐºÐ»Ð¸ÐµÐ½ÑÐ¾Ð²; 3. Ð Ð°Ð·ÑÐ°Ð±Ð¾ÑÐºÐ° Ð¸ ÑÐµÐ°Ð»Ð¸Ð·Ð°ÑÐ¸Ñ Ð² ÑÐ°Ð¼ÐºÐ°Ñ Ð¼Ð¾Ð´ÐµÑÐ½Ð¸Ð·Ð°ÑÐ¸Ð¸ ÑÐ¸ÑÑÐµÐ¼Ñ Ð¿Ð¾Ð´Ð´ÐµÑÐ¶ÐºÐ¸ Ð¿ÑÐ¸Ð½ÑÑÐ¸Ñ ÑÐµÑÐµÐ½Ð¸Ð¹ Ð¼ÐµÑÐ¾Ð´Ð° Ð¾ÑÐµÐ½ÐºÐ¸ ÐºÐ»Ð¸ÐµÐ½ÑÐ¾Ð²; 4. ÐÐ¿ÑÐ¾Ð±Ð°ÑÐ¸Ñ Ð¿ÑÐµÐ´Ð»Ð¾Ð¶ÐµÐ½Ð½ÑÑ ÑÐµÑÐµÐ½Ð¸Ð¹ Ð½Ð° ÑÐµÐ°Ð»ÑÐ½ÑÑ Ð´Ð°Ð½Ð½ÑÑ. ÐÐ¾ Ð²ÑÐµÐ¼Ñ Ð²ÑÐ¿Ð¾Ð»Ð½ÐµÐ½Ð¸Ñ ÑÐ°Ð±Ð¾ÑÑ Ð±ÑÐ»Ð° Ð¿ÑÐ¾Ð°Ð½Ð°Ð»Ð¸Ð·Ð¸ÑÐ¾Ð²Ð°Ð½Ð° Ð¿ÑÐµÐ´Ð¼ÐµÑÐ½Ð°Ñ Ð¾Ð±Ð»Ð°ÑÑÑ. ÐÐ¾ ÑÐµÐ·ÑÐ»ÑÑÐ°ÑÐ°Ð¼ Ð°Ð½Ð°Ð»Ð¸Ð·Ð° Ð¿Ð¾Ð´Ð°Ð½Ð½ÑÑ Ð·Ð°ÑÐ²Ð¾Ðº Ð±ÑÐ»Ð¸ ÑÑÐ¾ÑÐ¼Ð¸ÑÐ¾Ð²Ð°Ð½Ñ ÐºÑÐ¸ÑÐµÑÐ¸Ð¸ Ð½Ð°Ð¸Ð±Ð¾Ð»ÐµÐµ Ð·Ð½Ð°ÑÐ¸Ð¼ÑÑ ÑÐ°ÑÐ°ÐºÑÐµÑÐ¸ÑÑÐ¸Ðº ÐºÐ»Ð¸ÐµÐ½ÑÐ°, Ð½Ð° ÐºÐ¾ÑÐ¾ÑÑÐµ Ð¾Ð±ÑÐ°ÑÐ°ÐµÑ Ð²Ð½Ð¸Ð¼Ð°Ð½Ð¸Ðµ ÑÐ¾ÑÑÑÐ´Ð½Ð¸Ðº Ð¿ÑÐ¸ Ð¿ÑÐ¸Ð½ÑÑÐ¸Ð¸ ÑÐµÑÐµÐ½Ð¸Ñ. ÐÐ¾ ÑÐµÐ·ÑÐ»ÑÑÐ°ÑÐ°Ð¼ Ð°Ð½Ð°Ð»Ð¸Ð·Ð° Ð´Ð°Ð½Ð½ÑÑ ÑÐ°ÑÐ°ÐºÑÐµÑÐ¸ÑÑÐ¸Ðº Ð±ÑÐ»Ð° Ð¿ÑÐµÐ´Ð»Ð¾Ð¶ÐµÐ½Ð° ÐºÐ¾Ð½ÑÐµÐ¿ÑÐ¸Ñ Ð¼Ð¾Ð´ÐµÑÐ½Ð¸Ð·Ð°ÑÐ¸Ð¸ ÑÐ¸ÑÑÐµÐ¼Ñ Ð½Ð° Ð¾ÑÐ½Ð¾Ð²Ð°Ð½Ð¸Ð¸ Ð¿ÑÐ¸Ð¼ÐµÐ½ÐµÐ½Ð¸Ñ Ð½ÐµÑÐµÑÐºÐ¸Ñ Ð´ÐµÑÐµÐ²ÑÐµÐ² ÑÐµÑÐµÐ½Ð¸Ð¹ Ñ ÑÐµÐ»ÑÑ ÐºÐ»Ð°ÑÑÐ¸ÑÐ¸ÐºÐ°ÑÐ¸Ð¸ ÐºÐ»Ð¸ÐµÐ½ÑÐ°. ÐÑÐ¿Ð¾Ð»Ð½ÐµÐ½Ð¾ Ð¿Ð¾ÑÑÑÐ¾ÐµÐ½Ð¸Ðµ Ð½ÐµÑÐµÑÐºÐ¸Ñ Ð´ÐµÑÐµÐ²ÑÐµÐ² ÑÐµÑÐµÐ½Ð¸Ð¹ Ñ Ð¸ÑÐ¿Ð¾Ð»ÑÐ·Ð¾Ð²Ð°Ð½Ð¸ÐµÐ¼ Ð½Ð°Ð±Ð¾ÑÐ° Ð´Ð°Ð½Ð½ÑÑ Ð¸ Ð¿ÑÐµÐ´Ð»Ð¾Ð¶ÐµÐ½Ð° ÑÑÑÑÐºÑÑÑÐ° Ð¾ÑÐ³Ð°Ð½Ð¸Ð·Ð°ÑÐ¸Ð¸ Ð±Ð°Ð·Ñ ÑÑÐ¸Ñ Ð´Ð°Ð½Ð½ÑÑ. Ð ÐºÐ°ÑÐµÑÑÐ²Ðµ ÑÐµÐ·ÑÐ»ÑÑÐ°ÑÐ° ÑÐ°Ð±Ð¾ÑÑ Ð±ÑÐ» Ð¿ÑÐµÐ´Ð»Ð¾Ð¶ÐµÐ½ Ð¼Ð¾Ð´ÑÐ»Ñ, Ð´Ð¾Ð±Ð°Ð²Ð»ÑÐµÐ¼ÑÐ¹ Ð½Ð° ÑÑÐ°Ð¿Ðµ ÑÐ°ÑÑÐ¼Ð¾ÑÑÐµÐ½Ð¸Ñ Ð·Ð°ÑÐ²ÐºÐ¸, Ñ Ð¿Ð¾Ð¼Ð¾ÑÑÑ ÐºÐ¾ÑÐ¾ÑÐ¾Ð³Ð¾ Ð¼Ð¾Ð¶Ð½Ð¾ Ð¾ÑÑÑÐµÑÑÐ²Ð»ÑÑÑ ÐºÐ»Ð°ÑÑÐ¸ÑÐ¸ÐºÐ°ÑÐ¸Ñ ÐºÐ»Ð¸ÐµÐ½ÑÐ° Ð¸ÑÑÐ¾Ð´Ñ Ð¸Ð· ÐµÐ³Ð¾ ÑÐ°ÑÐ°ÐºÑÐµÑÐ¸ÑÑÐ¸Ðº. ÐÑÐ¸Ð¼ÐµÐ½ÐµÐ½Ð¸Ðµ Ð´Ð°Ð½Ð½Ð¾Ð³Ð¾ Ð¼Ð¾Ð´ÑÐ»Ñ Ð¿Ð¾Ð·Ð²Ð¾Ð»Ð¸Ð»Ð¾ ÑÐ°ÑÑÐ¸ÑÐ¸ÑÑ ÑÑÐ½ÐºÑÐ¸Ð¾Ð½Ð°Ð» Ð´Ð¾ÑÑÑÐ¿Ð½ÑÐ¹ ÑÐ¾ÑÑÑÐ´Ð½Ð¸ÐºÑ Ð½Ð° ÑÑÐ°Ð´Ð¸Ð¸ ÑÐ°ÑÑÐ¼Ð¾ÑÑÐµÐ½Ð¸Ñ Ð·Ð°ÑÐ²ÐºÐ¸ Ð½Ð° Ð²ÑÐ´Ð°ÑÑ Ð±Ð°Ð½ÐºÐ¾Ð²ÑÐºÐ¾Ð¹ Ð³Ð°ÑÐ°Ð½ÑÐ¸Ð¸, Ð° ÑÐ°ÐºÐ¶Ðµ ÑÑÑÐµÑÑÐ²ÐµÐ½Ð½Ð¾ ÑÐ¾ÐºÑÐ°ÑÐ¸ÑÑ Ð·Ð°ÑÑÐ°ÑÑ Ð²ÑÐµÐ¼ÐµÐ½Ð¸ Ð½Ð° Ð¿ÑÐ¸Ð½ÑÑÐ¸Ðµ ÑÐµÑÐµÐ½Ð¸Ñ.
description: The theme of the final qualification work: "Modernization of the decision support system for issuing bank guarantees".This work is devoted to improving the decision support system for issuing bank guarantees, intended for bank employees when considering applications for issuing a guarantee. Tasks that were solved in the course of the study: 1. The study of models of system devices, the complete absence of detection of solutions; 2. Formalization and description of the subject area of activity and the characteristics of clients; 3. Development and implementation within the framework of the customer assessment decision-making system; 4. Approbation of the proposed solutions on the smallest data. During the execution of the work, the subject area was analyzed. Based on the results of the analysis of the submitted applications, criteria were formed for the most significant characteristics of the client, which the employee pays attention to when making a decision. Based on the results of the analysis of these characteristics, the concept of system modernization was proposed based on the use of fuzzy decision trees in order to classify the client. The construction of fuzzy decision trees using a set of data is carried out and the structure of the organization of the database of these data is proposed. As a result of the work, a module was proposed that is added at the stage of consideration of the application, with the help of which it is possible to classify the client based on his characteristics. The use of this module allowed expanding the functionality available to an employee at the stage of considering an application for issuing a bank guarantee, as well as significantly reducing the time spent on making a decision.