Abstract
The dynamic simulation of calculation of the purchase of the equipment on credit is presented in this article. The model is developed on the basis of systems dynamics method with the help of Powersim Studio. Calculations were carried out for two ways of paying off the credit debt: annuity and differentiated. The model was used as the tool for researching the variants of payment and deciding which one is more beneficial. As a result, the different sums of credit payments were received (assignments of percent, payments on a principal debt, the total amount of credit payments, etc.). The conducted research allows drawing a conclusion that the developed dynamic simulation is rather universal and it is possible to conduct the various research concerning the different sides of purchasing the equipment on credit on its basis.
Highlights
The production of machines and the equipment is the leading sector of the world industry which status defines the economic development of the country
The complexity of these factors predetermines the need of use of the management instrumental methods, such as economic mathematical modeling (EMM) that provides the efficiency increase of the made decisions by calculation the equipment purchasing on credit
The monthly differentiated payment includes the amount of credit repayment of the loan body and the credit interest accrued on the remaining amount
Summary
The production of machines and the equipment is the leading sector of the world industry which status defines the economic development of the country. The main problem of non-competitiveness of machines and equipment production in Russia are outdated fixed assets that have high level of physical deterioration and especially obsolescence. Nowadays before the decision of the acceptability of one of the credit types or their combination is made the investment managers of the industrial enterprises face the need to define the form of the credit, the type of credit payments, the diagram and a method of percent charge on the credit and the risks of crediting The complexity of these factors predetermines the need of use of the management instrumental methods, such as economic mathematical modeling (EMM) that provides the efficiency increase of the made decisions by calculation the equipment purchasing on credit. The monthly differentiated payment includes the amount of credit repayment of the loan body (principal) and the credit interest accrued on the remaining amount. On the second part of the interface, the calculation results are displayed in graphical form: total credit payments, payment on the principal debt, interest payments and the balance of the principal debt
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