ANALYSIS STRUCTURE OF CUMULATIVE EXPENSES IN FORMING FINANCIAL CONTINUA OF THE COMMERCIAL BANK

Abstract

An important instrument of the increase of bank activity efficiency is its logistization. In the article we suggest the logistic model, where a bank is considered as a micro-logistic system and bank activity is considered as a set of different streams of useful resources (a material stream ( ); a financial stream ( ); an informational stream ( ); an energetic stream ( ); a stream of transport vehicles ( ); a manpower stream ( ); a service stream ( ); a stream of innovations ( )), which interact, influence on each other, depend upon the present market conditions and evolve, corresponding to the changes of inner and outer conditions. In the article, we do the research of these streams’ structure, using the logistical approach. In the research we represent a stream as a certain function, having two components: the scalar one ( – a concrete kind of useful resources) and the vector one ( – the orientation of the stream in space and time). Thus, a stream is: . A special attention is paid to the financial stream, its structure and process of forming. We represent, that the necessary condition of forming any kind of a stream is presence of other streams. Then, in order to provide a normal functioning of the financial stream in a bank we need the following vector components, which could assure its forming and circulation: financial, informational, energetic, manpower (personnel), innovational and service components. The mathematical expressions are worked out to describe this process and to give us the opportunity to define the source of costs and to optimize the cumulative expenses in order to minimize them.

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