ПРИЛОЖЕНИЯ ТЕОРИИ ИГР И РЕФЛЕКСИИ ДЛЯ РАЗРАБОТКИ МАТЕМАТИЧЕСКОЙ МОДЕЛИ ВЫБОРА СТРАТЕГИИ ИГРОКАМИ РОССИЙСКОГО РЫНКА БАНКОВСКИХ УСЛУГ

Abstract

The gradual development of society and innovations in the Russian economy over the past century has led to the emergence of market relations in the country, which, unlike the planned economy that existed before, meant freedom of development and action. However, because such changes, market participants had to pay attention to new factors - risk, competition, etc. To improve the efficiency and results of decisions made in the given conditions, enterprises use game theory, thanks to which each agent can predict the actions of other agents and develop a strategy for his own game that would bring maximum benefit. Originally, game theory was a formal branch of mathematical science, although it was used to study primary economic models of the mid-20th century. However, after the Second World War, scientists acquired a more serious interest in this area, and they began to apply it in various spheres of human activity. Nowadays, game theory is actively developing, and it is used to create and analyze mathematical theoretical and applied models. This paper considers the basic concepts applicable in the analysis and optimization of the banking services market, namely, game theory, game, uncertainty, Herfindahl- Hirschman index, Nash equation, etc. Within the framework of this theory, the banking services market of the Russian segment of the world market as of 2015-2019 is considered; and an assessment of possible market situations, the agents’ moves and their effectiveness is given. A mathematical model of the strategy choice by the players in the Russian segment of the banking services market is presented, which implies reflection and interaction between players.