Problem statement

6. Fire safety

For the decision of problems of fire safety we must first define and ground the category of apartment, following НПБ  105-95 [31].

In obedience to НПБ 105-95, we draw conclusion, that in our case an apartment falls into the category of С. One of the most essential tasks of fire defense is protecting of apartments from destructions and providing of their sufficient durability in the conditions of influence of high temperatures at a fire. Taking into account the high cost of electronic equipment of apartments of educational establishment, and also category of his fire hazard, building must be 1 and 2 degrees of fire-resistance. The construction of building of propulsion MODULE "МУИТ" consists of 10 floors, and a laboratory is located on 3-этаже. For making of building constructions a brick, reinforced concrete, glass, metal and other noncombustible materials, was used. Application of tree must be limit, and in case of the use it is necessary to saturate with his fireproof compositions.

It is also necessary to envisage fire-prevention barriers as partitions from fireproof materials set between the apartments of our educational establishment. Because in the apartments of our building there is an electrical equipment: computers, printers, etc. Because an apartment has With class of possible fire, in accordance with  ППБ 01-03 in an apartment the fire-extinguishers of ОП- 5 are used on basis dioxide of carbon or powder-like.

In obedience to НПБ 110-03 building is equipped by the plug and plays of fire.

Accident prevention

Optimal workplace

Planning of the workplaces  provided with PC in particular, are:  height of working surface, space sizes foot,  requirements to liking of documents in the workplace(presence and sizes of support for documents, possibility of the different placing of documents, distance from the eyes of user to the screen,  document, keyboard etc.), description of working arm-chair, requirement for the surface of desktop, adjustability of workplace and its cursor elements.

The height of working surface   is recommended   within the limits of 680-760 mm. Height of working surface on that a keyboard is set must be 650 mm. the large value is given descriptions of working arm-chair. So,  the height of seat is recommended above the level of sex  there must be Surface of seat within the limits of 420-550 mm. it is recommended to do soft, cutting edge rounded, and angle of slope of back of working arm-chair - managed. Position of screen is determined:

-By distance of read-out(0.60 + 0.10 м);

-By the corner of read-out, by direction of look to 20  below than horizontal to the center of screen,  thus  a screen  is perpendicular  to this direction.

Possibility of adjusting of screen must be envisaged:

-On a height +a 3 cm;

-On inclination from 10  to 20  in relation to a vertical line;

-In left and right directions.

A visual comfort submits to the two basic requirements:

-To the clearness on the screen, to the keyboard and in documents;

-To luminosity and evenness of brightness between surrounding terms and different areas of workplace.

A large value is given the correct  working  pose of user also. At an uncomfortable working pose pains can appear in muscles, joints and tendons.  Requirements to the working pose of user following: a neck must not be inclined more than on 20(between an axis "head-neck" and by the axis of trunk), shoulders must  be relaxed,  elbows - to be under the corner of 80 - 100,  and forearm and raceme of hands - in  horizontal  position.

Descriptions  of the used workplace :

it is\u0009a height of working surface of table a 750 mm;

it is\u0009a space height foot a 650 mm;

it is\u0009a height of seat above the level of sex a 450 mm;

-\u0009the surface of seat is soft with the rounded cutting  edge;

-\u0009possibility of placing of documents is envisaged on the right and on the left;

it is\u0009distance from an eye to the screen a 700 mm;

it is\u0009distance from an eye to the documents a 500 mm;

-\u0009adjusting of screen is possible on a height,  on inclination,  in left and in right directions.

 

Description of apartment a workplace is situated in that

An apartment there is    a workplace of operator in that has next descriptions:

it is length of apartment  a 6 m;

it is a width of apartment a 5 m;

it is a height a 3 m;

it is a number of windows 3;

it is a working seating capacity 2;

it is colorings of interior:  white ceiling, pale green walls, sex metallic, covered by linoleum of green color.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Task.

A bank issued 200 maps with a general lending limit in $2 000. The lump sum of the placed facilities makes $200 000. The volume of realization made $1 500 000. The annual paying for a card makes $25, the cost of resources taking into account backing makes 10%, the percent of compensation of (pay after interchange) is equal 1,5%, operating charges calculating on one account made $7, the cost of service makes $30 on one account, the average of losses makes 3,5% from a turn, the level of prolongation makes 75%. An annual percentage rate makes 28%. To count profitability of operations, acuests on one card.

Decision:

To define profitability of operations, it is necessary first to define a profit from operations.

Basic sources the acuestss of bank-issuer following:

-an annual membership fee is a sum that the holder of card pays to the to issuer for a right for the use by a bank card;

-an interest return is determined by work of annual percentage rate on the given holder of card to the credit on the actual number of days of the use by a credit(instead of favorable period).

-a commission on (Interchange Fee)   is a percent from every dollar of sales, that pays to the банк- acquirer to issuer(1.4%-1.5%) from the sum of sales on cards;

Are penalty collections for violation of conditions of the agreement(commission for expiration, commission for exceeding of limit, commission for the return of check, for the loss of code PIN-).These fines sometimes name "annoying" penalties. They bring an insignificant acutest, but irritate the holders of cards, inducing them to observe rules.

The charges of bank-issuer on card operations include:

- paying for resources that a bank uses for financing of the brief-case of card loans is an interest rate, усредненная on the different types of the money resources, attracted by a bank-issuer on maintenance of sum of the credits given to the holders of cards;

- backuping under credit риски is withholdings on creation of reserve under the loans given out by a client. Reserve stipulates the necessity of bringing in of additional resources;

     We will define acuestss.

      Acuests from the annual paying for credit cards equal to the amount of the issued cards, increased on the annual paying for a corresponding card. Calculated for every type of cards separately, as an annual cashing them is different.

      Paying for an informative exchange is calculated from a turn on cards, i.e. equal to the turn on cards increased on the percent of commissions for an informative exchange.

     We will define charges.

     We will expect paying for credit resources.

A bank is attracted to the amount of middle credit brief-case on the issued maps, but on throughout the year. At the well put analytical service is not difficult to estimate the middle volume of credit brief-case on bank maps. And for reduction of risk of bank it is expedient to attract the indicated sum at once on a year, and to cover small "splashes" every day at the interbank market.

     General charges in all four cases will settle accounts coming from charges on credit resources by the division of sum of paying for credit resources on their stake in the lump sum of charges.

     Profitability we will determine as attitude of profit toward a general limit on cards.

Acuestss:

acuests from an annual pay - 2000 *25 = 5000

commission on интерчейнджу - 1500000*0,15 = 225000

interest return - 2000*0,28 = 560

Charges:

paying for resources - 5000*0,1 = 500

operating charges - 200000*0,07 = 14000

cost of service - 200000/200*0,3 =300

average of losses - 1500000 * 0,35 = 525000

Profit  = 1500000+5000+225000+560-500-14000-300-525000 = 1190760

Profitability of operations = 1190760/2000 = 5954

Acuests on a 1 card = 5954/200 = 29,7

Answer: 5954; 29,7

 

Estimate profitability of operations with the credit cards of two banks And and In, if it is known that bank And issued  200 maps with the lending limit of 5000$ and 50 "gold" maps with the limit of 25.000$. The annual paying for maps makes 25$ and 50$ accordingly. A percent for the use makes 25% a credit in a year. Favourable period - 30 days . On the average  every client possessed a credit in a flow 330 days, here  a credit sum made 3.000$ on an ordinary map and 15.000$ on "gold" one. A turn on maps made 15.000.000$. Paying for credit resources makes 7%, this 32% of all charges of bank, related to the maps. For a bank In the same indexes following: 300 maps on 4.000$ and 40 with the limit of 20.000$. Annual pay of 20$ and 50$. A percent for the use makes 24% a credit in a year. Favourable period - 25 days . On the average  every client possessed a credit in a flow 325 days, here  a credit sum made 3000$ on an ordinary map and 10.000$ on "gold" one. A turn on maps made 16.000.000$. Paying for credit resources makes 7,5%, this 35% of all charges of bank, related to card business. Paying for an informative exchange  to expect coming from 1.5%

Table 1.

Index Bank and the bank

BACKGROUND

Number of ordinary cards 200 300

Limit of normal maps 5000 $ 4000 $

The annual fee for a regular card                        25 $ 20 $

The average loan amount for a roadmap 3000 $ 3000 $

The number of "gold" cards                                 50 40

Limit "gold" card                                   25000 $ 20000 $

The annual fee for a "gold" card 50 $ 50 $

The average loan amount for the "gold" card 15000 $ 10000 $

Interest for the use of credit 25% 24%

Grace period (days) 30 25

The average time of the loan (days)  330 325

Base, days 360 360

GDV 15000000 $ 16000000 $

The fee for the exchange of information 1,5% 1,5%

Плата за кредитные ресурсы       7% 7,5;

The share of payments for loans in the total amount of expenditure on the cards 32% 35%

Interim data  

The total limit on cards issued 2250000 $ 2000000 $

The total loan portfolio of card 1350000 $ 1300000 $

Days for which the calculated%% loan 300 300

INCOME

The fee for the exchange of information 225000 $ 240000 $

The annual fee for a conventional map 5000 $ 6000 $

The annual fee for the "gold" card 2500 $ 2000 $

%% Loan 281250 $ 260000 $

TOTAL INCOME                                   513750 $ 508000 $

The fee for loans

Option A (reinsurance) 157500 $ 150000 $

Option B (fantastic)        144375 $ 135417 $

Option C (fantastic)       86625 $ 88021 $

Option D (the recommended)         94500 $ 91000 $

EXPENSES  

A variant (reinsurance)              492188 $ 428571 $

Option B (fantastic)        451172 $ 386906 $

Variant B (optimum)       270703 $ 251489 $

Option D (the recommended)         295313 $ 260000 $

PROFIT  

Option A (reinsurance)              21562 $ 79429 $

Option B (fantastic)        62578 $ 121094 $

Option B (optimal) 243047 $ 256511 $

Option D (recommended) 218437 $ 248000 $

PROFITABILITY to the limit on the cards

Option A (reinsurance) 0.96% 4%

Option B (fantastic) 2.78% 6.05%

Option B (best) 10.8% 12.8%

Option D (recommended) 9.71% 12.4%

PROFITABILITY to the loan portfolio

Option A (reinsurance) 1.6% 6.11%

Option B (fantastic) 4.64% 9.31%

Option B (optimal) 18.00% 19.73%

Option D (recommended) 16.18% 19.08%

We define income

The total limit on cards issued by:

CL - overall limit on the cards;

NG - number of gold cards;

NS - number of ordinary cards;

CLG - the credit limit on a "gold" card;

CLS - the credit limit on a conventional map.

For Bank A: 200 x 5000 + 50 x 25,000 = $ 2,250,000

As for the bank: 300 x 4000 + 40 x 20,000 = $ 2,000,000

 

The total loan portfolio of the cards:

CP - the average size of the loan portfolio;

NG - number of gold cards;

NS - number of ordinary cards;

CG - the average loan for a "gold" card;

CS - average loan on a roadmap.

For Bank A: 200 x 3000 + 50 x 15,000 = $ 1,350,000

As for the bank: 300 x 3000 + 40 x 10,000 = $ 1,300,000

The fee for the exchange of information shall be calculated on the turnover on the cards, that is, turnover is on the cards multiplied by the percentage of commission for information exchange.

For Bank A: 15 million x 1.5% = $ 225,000

As for the bank: 16,000,000 x 1.5% = $ 240,000

 

The annual fee for a conventional map:

For bank A: 25 x 200 = $ 5,000

For bank B: 20 ​​x 300 = $ 6,000

 

Annual fee for the "gold" cards:

For bank A 50 x 50 = $ 2500

As for the bank: 40 x 50 = $ 2000

 

Interest income on loans is calculated using the formula:

II - interest income;

CP - the average size of the loan portfolio is calculated as the sum of loans on ordinary and gold cards

MC -% on the loan;

Tc - the time of the loan. Time of the loan for the purpose of calculation of interest equal to the time that the client used the loan minus the grace period, as the grace period interest is not charged.

TB - the base year

And for the bank (1,350,000 x 25% x 300) / 360 = $ 281,250

As for the bank (1,300,000 x 24% x 300) / 360 = $ 260,000

 

We will define charges.

We will expect paying for credit resources. We will consider a few variants.

Variant And(перестраховочный). It is assumed that a bank issued all maps the morning of January, 1 and here attracted on the sum of limit on the issued cards on a whole year. In this case paying for credit resources will be calculated on a formula:

CL is a general limit on maps;

MF - % on credit resources;

TB is a base year

For a bank And: 2 250 000 х 7% х 360/ 360=157 500 $

For a bank In: 2 000 000 х 7,5% х 360/ 360=150 000 $

 

Variant B(fantastic). It is assumed that a bank was attracted on the sum of limit on the issued cards, but not on throughout the year, and for a time, that clients possessed a credit(for a bank And - it 330 days). A favourable period here is not subtracted, as at the market of credit resources is not used. The fabulousness consists in timing, that clients will possess a credit. In this case paying for credit resources will settle accounts on a formula:

CL is a general limit on maps;

MF - % on credit resources;

TK  is mean time of the use by a credit;

TB is a base year

For a bank And: 2 250 000 х 7% х 330/ 360=144 375 $

For a bank In: 2 000 000 х 7,5% х 330/ 360=135 417 $

 

Variant B(optimal). It is assumed that a bank is attracted not on the sum of limit of the issued maps, and to the amount of middle credit brief-case on these maps. Thus attracted in a time of the use by clients by credit resources. It means that a bank is every day credited at the interbank market to the amount of the credit really chosen by clients. In the conditions of liquid market there is a realistic enough variant. In this case paying for credit resources will settle accounts on a formula:

CP is a middle volume of credit brief-case;

MF - % on credit resources;

TK  is mean time of the use by a credit;

TB is a base year

For a bank And: 1 350 000 х 7% х 330/ 360=86 625 $

For a bank In: 1 300 000 х 7,5% х 330/ 360=88 021 $

 

Variant of G(recommendable). As well as in the previous case a bank is attracted to the amount of middle credit brief-case on the issued maps, but on throughout the year. At the well put analytical service is not difficult to estimate the middle volume of credit brief-case on bank maps. And for reduction of risk of bank it is expedient to attract the indicated sum at once on a year, and to cover small "splashes" every day at the interbank market. In this case paying for credit resources will settle accounts on a formula:

CP is a middle volume of credit brief-case;

MF - % on credit resources;

TB is a base year

For a bank And: 1 350 000 х 7% х 3360/ 360= 94 500 $

For a bank In: 1 300 000 х 7,5% х 360/ 360= 91 000 $

 

General charges in all four cases will settle accounts coming from charges on credit resources by the division of sum of paying for credit resources on their stake in the lump sum of charges.

For a bank And: 157 500/ 32% = 492 188 $

144 375/ 32% = 451 172 $

86 625/ 32% = 270 703 $

94 500/ 32% = 295 313 $

For bank В: 150 000/ 35% = 428 571 $

135 417/ 35% = 386 906 $

88 021/35% = 251 489 $

91 000/35% = 260 000 $

Profit:

For a bank А: 513 750 – 492 188 = 21 562 $

513 750 – 451 172 = 62 578 $

513 750 – 270 703 = 243 047 $

513 750 – 295 313 = 218 437 $

For a bank В: 508 000 – 428 571 = 79 429 $

508 000 – 386 906 = 121 094 $

508 000 – 251 489 = 256 511 $

508 000 – 260 000 = 248 000 $

Profitability we will determine as attitude of profit toward a general limit on cards and to the middle credit brief-case(two variants).

PROFITABILITY to the limit on maps:

For a bank A: 21 562/2 250 000 х 100 %=0,96 %

  62 578/2 250 000 х 100 %=2,78 %

            243 047/2 250 000 х 100 %=10,8 %

            218 437/2 250 000 х 100 %=9,71 %

 

For a bank В: 79 429/2 000 000 х 100 %=4 % 

12 094/2 000 000 х 100 %=6,05 %

256 511/2 000 000 х 100 %=12,8 %

248 000/2 000 000 х 100 %=12,4 %

 

 

 

Conclusion

By virtue of specific of job of the program performances automation of process of her testing does not appear possible. For verification of capacity and stability the row of tests, allowing estimating correctness of implementation of every operation in an amount five things on each, was conducted. At a finance corresponding reports hatch the user of the actions not envisaged by the program with pointing of reason of error.

During testing of the unprocessed errors educed it was not.

The estimation of project allows asserting the following:

1. Active equipment on that realization of project is offered satisfies to all terms, produced to him in a division the "Technical requirements".

2. Minimum set of operating-room software allows executing all technological functions necessary for providing of capacity, except for the functions of service, analysis, notifications, accounting etc.

3. The offered project decides not only the questions of connection between the National bank and commercial jars, but also

are problems of communication between commercial jars

are problems of communication between branches and jars

it is development to the scales of republic.

     4. The offered project allows to put right connections of business corporations, providing the same the return of facilities inlaid in a project.

Drawing a final line in this term paper we will mark that the use of the most modern information technologies brings in to the jars large returns and helps to win them in competitive activity. Any bank CAS presents from itself a difficult hard warily-programmatic complex consisting of great number of the associate modules.

The most modern network and telecommunication equipment is today used in the banking system. Efficiency and reliability of her functioning depend on the correct construction of network structure of the banking system.

 

Used materials:

• В.И. Колесников "Банковское дело" - М: Финансы и статистика, 1999

• О.И. Лаврушин "Банковское дело" - М: Финансы и статистика, 1999

• Маркелов К. Эволюция межбанковских  расчетов //  Банковские системы и  оборудование 94 - 1995. - №5. - с.5-17.

• http://citforum.ru/internet/xml/xmltech/

• http://www.phpsql.ru/ajax-xml-data

• Dr. Andreas Mauthe; Dr. Peter Thomas (2004). Professional Content Management Systems: Handling Digital Media Assets. John Wiley & Sons. ISBN 978-0-470-85542-3.

• Managing Enterprise Content: A Unified Content Strategy. Ann Rockley, Pamela Kostur, Steve Manning. New Riders, 2003.

• The content management handbook. Martin White. Facet Publishing, 2005.

•  Content Management Bible, Bob Boiko. John Wiley & Sons, 2005.

• Moving Media Storage Technologies: Applications & Workflows for Video and Media Server Platforms. Francis US, 2011. Page 381

• Web Content Management Systems (Wcms): High-Impact Strategies - What You Need to Know: Definitions, Adoptions, Impact, Benefits, Maturity, Vendors. Kevin Roebuck. Emereo Pty Limited, 2011.

•  Crash Course for Content Management: What is content management?". Vasont Systems.