Medium Index and Antibank
The proposed approach to the organization of banking activities. From the point of view of the client - an individual. The approach is aimed at creating an objective interest of the client in the placement of funds. Restrictions on the withdrawal of funds by the client is not assumed. The financial benefits of the bank and the customer are related. Specified method for assessing banking performance.
Bank - from Italy. banco - bench, bench, table, on which the money changers laid out coins.
Indeed, today a bank is a commercial institution whose interests do not necessarily coincide with the interests of its clients. The client is usually attracted to the choice of the banking product. And this choice imposes on him a number of limitations and obligations.
')
In addition to the bank, there is also a general economic situation. And it can change faster than the limitations and obligations expire. Sometimes faster than it can be traced and realized.
Can a person be free from having to choose? Can he (we) be protected from economic shocks?
Simplify the situation. Suppose that among banking products there are only interest-free currency deposits.
The client brings money to the bank. The bank expert analyzes the economic situation and places the client’s funds in one or another currency. With a significant change in the economic situation, the analysis and placement are repeated.
At any time, the client may decide to further save his funds in the bank or withdrawal.
When you return the money to the client, is determined by the remuneration of the bank. Two sums are compared: current and initial. With a positive difference, its part is withdrawn in favor of the bank.
When returning funds to the client, their possible volume is also determined with ideal forecasts of the expert. Both in terms of currency selection, and relative to the time of the revision.
The ratio of the actual amount of funds to the ideal is called the “Medium Index”.
Thanks for attention!
If you have questions, please write. I will try to answer. But it does not always work quickly.
We do not offer products - we save money
Bank - from Italy. banco - bench, bench, table, on which the money changers laid out coins.
Indeed, today a bank is a commercial institution whose interests do not necessarily coincide with the interests of its clients. The client is usually attracted to the choice of the banking product. And this choice imposes on him a number of limitations and obligations.
')
In addition to the bank, there is also a general economic situation. And it can change faster than the limitations and obligations expire. Sometimes faster than it can be traced and realized.
Can a person be free from having to choose? Can he (we) be protected from economic shocks?
Antibank
Simplify the situation. Suppose that among banking products there are only interest-free currency deposits.
The client brings money to the bank. The bank expert analyzes the economic situation and places the client’s funds in one or another currency. With a significant change in the economic situation, the analysis and placement are repeated.
At any time, the client may decide to further save his funds in the bank or withdrawal.
When you return the money to the client, is determined by the remuneration of the bank. Two sums are compared: current and initial. With a positive difference, its part is withdrawn in favor of the bank.
Medium Index
When returning funds to the client, their possible volume is also determined with ideal forecasts of the expert. Both in terms of currency selection, and relative to the time of the revision.
The ratio of the actual amount of funds to the ideal is called the “Medium Index”.
Thanks for attention!
If you have questions, please write. I will try to answer. But it does not always work quickly.
Links
Source: https://habr.com/ru/post/450952/
All Articles