Models of knowledge bases (economics)

Various KB models are considered based on economic information and focused on assessing insurance commercial risks, choosing a software product supplier, determining the borrower's creditworthiness class, and choosing an enterprise strategy. Ontologies were developed using the methodology for constructing knowledge base in the KARKAS system.

Model of the knowledge base (analysis of the financial condition of the enterprise).
     Formulation of the problem. The purpose of the analysis of the financial condition of the enterprise is to build and adjust the financial management system in accordance with market conditions. The information base for financial analysis is reliable accounting data, on the basis of which the company's management decides on the sufficiency of its own working capital or their lack.
     The analysis of the financial condition of the enterprise is based on the study of the dynamics of absolute and relative financial indicators and is divided into the following blocks:
     analysis of the company's balance sheet (horizontal and vertical);
     analysis of financial stability;
     solvency (liquidity) analysis;
     analysis of the profitability of the enterprise.
     The assessment of the financial condition of the enterprise will be carried out according to the following parameters:
     level of profitability;
     rate of return on invested capital;
     duration of one turn;
     the turnover ratio of funds;
     utilization factor of funds in circulation;
     financial stability ratio;
     profitability of the self-financing process;
     self-financing ratio.
     The purpose of the ES prototype is to improve the quality of the result of assessing the financial condition of the enterprise, to increase the efficiency of processing this information.
     The class of solvable problems is an assessment of the financial condition, sustainability, competitiveness of the enterprise, based on the proposed criteria.
    Expected results: effective assessment of the financial condition of the enterprise.
   
 
    Knowledge base model for choosing a commercial bank.
    Formulation of the problem. Develop a knowledge base for the selection of a bank for the financial services of an enterprise, depending on its needs for cash and settlement, credit, deposit and trust operations.
    The purpose of the ES prototype is to advise on the selection of a commercial bank for the financial services of the enterprise.
    The scope of the ES prototype is various enterprises that need financial services from banks.
    The purpose of the ES prototype is to select the most optimal bank option for the financial service of the enterprise, depending on its needs for cash and settlement, credit, deposit and trust operations.
    Initial data:
to analyze the activities of the enterprise ─ this is the nature of production, marketing, procurement activities, the presence or absence of free cash;
to determine the solvency of the bank ─ these are own funds, bank assets;
to determine the bank's liquidity ─ these are funds on settlement, current and deposit accounts and in accounts payable, as well as the amount of guarantees and guarantees provided by the bank.
   Expected results (list of possible consultation goal values):
requirements for the financial service of the enterprise ─ this is the urgency of cash payments, forms of cash payments (cash, non-cash), deposit, credit, cash settlement or trust operations;
claims on banks ─ the bank is solvent or insolvent, liquid or illiquid.
   Subject area identification. Mandatory for each commercial bank are the following economic standards established by the National Bank of Ukraine and determining the reliability of this bank:
solvency of the bank;
balance sheet liquidity indicators;
the maximum amount of risk per borrower;
the amount of required reserves placed with the National Bank of Ukraine.
When choosing a commercial bank, an enterprise, as a rule, relies on the following indicators:
the reliability of the bank;
what form of payment is suitable for the company: cash or non-cash;
operations that the company wants to carry out;
form of payment preferred by the enterprise.
 
Presentations Choosing a bank for lending
 
Selection of a commercial bank using an expert system
 

Selecting a product supplier option 2
 
Selecting a product supplier option 7
 
Video lesson "Selecting a product supplier option 7"
 
Product supplier selection option 8
 
Selecting a product supplier option 9
 
Product supplier selection option 10
 
Choosing a company to invest
 
Definition of competitive products
 
Selection of competitive products
 
Determining the creditworthiness of bank customers
 
Determining the creditworthiness of an enterprise
 
Video report on choosing a plastic bank card
 
Choice of loan type
 
Video report on choosing a type of loan
 
Determination of the enterprise strategy for its successful development
 
Choosing a Pricing Strategy
 
Choice of pricing strategy option 2
 
Choosing an insurer for individuals
 
Choosing a commercial loan insurance strategy
 
Selecting a software vendor
 
Assessment of the financial condition of the enterprise
 
Determining the creditworthiness of an enterprise