Autori: Romulus-Catalin DAMACEANU, Bogdan-Sebastian CAPRARU

Editorial: METALURGIA INTERNATIONAL, VOL. XVII, p.230-235, 2012.

Rezumat:

We describe a multi-agent model of retail market of one bank that has n=100 customers. We do a number of 11 computer experiments that study the evolution of total amount of money, of savings, of available money to loans, of wallets, and of bank reserves in function of reserves rate ranging from 0 to 100 percents. The conclusions of these experiments are: (i) The total amount of money, savings, available money for loans, wallets, and loans is decreasing if the reserves rate is increasing; (ii) The amount of bank reserves is increasing if the reserve rate is increasing; (iii) The number of people from rich, middle and poor social class is maintaining relatively constant in function reserves rate; (iv) The number of creditors is increasing if the reserve rate is increasing; (v) The number of debtors is decreasing if the reserve rate is increasing; (vi) The results confirm the Pareto’s law, in which there are a large number of poor people, fewer middle class people, and many fewer rich people.

Cuvinte cheie: multi-agent computational model of retail banking market; computer experiments

URL: http://www.metalurgia.ro/Metalurgia_International_5_2012.pdf