Размер шрифта:
AGENT-ORIENTED SIMULATION AS COGNITIVE-INFORMATIONAL TECHNOLOGY OF COMPARATIVE ANALYSIS OF PARTNERSHIP AND TRADITIONAL FINANCIAL SYSTEMS
Изменена: 2018-01-23
Реферат
Among cognitive-information technologies for the study of social processes, agent-oriented modeling has recently developed, which is a modern type of simulation. The social process is represented in the form of interacting agents, which correspond to real agents. In the article this technology is applied to the process of comparative analysis of two models of financial systems: the traditional one and the Islamic model, in which the interest rate is banned. In the traditional model the agent-bank provides loans, pledging the client's property. In the Islamic model the agent-bank invests money in the client's project, becoming its partner (for this reason, Islamic banking is also called partner banking). Revenues from joint investments done by agent-bank and agent-client are divided in a certain proportion. In both models, initially there is the same number of customers, during the emulation the income of banks and the number of customers are changing. This report presents the results of the simplest scheme that exists in Islamic (partner) finance. The implementation of the model was carried out by students in the framework of the thesis project using agent-oriented language NetLogo. The development of this approach will make general conclusions about the comparative advantages of the traditional and partner finance model.