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Концептуальні і методологічні основи та економіко-математичні моделі розробки систем підтримки прийняття фінансових рішень на мікрорівні: Автореф. дис

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I?I?NOA?NOAI INA?OE OE?A?IE

Ee?anueeee iaoe?iiaeueiee aeiiii?/iee oi?aa?neoaeo

Ieaenthe Ieaenaiae? Noaiaiiae/

OAeE (043)330.115:336

EIIOeAIOOAEUeI? ? IAOIAeIEIA?*I? INIIAE OA AEIIII?EI-IAOAIAOE*I? IIAeAE?
?IC?IAEE NENOAI I?AeO?EIEE I?EEIssOOss O?IAINIAEO ??OAIUe IA I?E?I??AI?

Niaoe?aeuei?noue

08.03.02 – aeiiii?ei-iaoaiaoe/ia iiaeaethaaiiy

Aaoi?aoa?ao

aeena?oaoe?? ia caeiaoooy iaoeiaiai nooiaiy aeieoi?a aeiiii?/ieo iaoe

Ee?a – 1998

Aeena?oaoe?y ? ?oeiien

?iaioo aeeiiaii ia eaoaae?? ?ioi?iaoe?eieo nenoai a aeiiii?oe?
Ee?anueeiai iaoe?iiaeueiiai aeiiii?/iiai oi?aa?neoaoo

Iaoeiaee eiinoeueoaio Neoiee A?eoi? Oaaei?iae/ – aeieoi? aeiiii?/ieo
iaoe, i?ioani?, caa?aeoaa/ eaoaae?e ?ioi?iaoe?eieo nenoai a aeiiii?oe?
Ee?anueeiai iaoe?iiaeueiiai aeiiii?/iiai oi?aa?neoaoo.

Io?oe?ei? iiiiaioe

Eiaaeue/oe Einoyioei Oaaei?iae/, aeieoi? aeiiii?/ieo iaoe ca
niaoe?aeuei?noth 08.03.02 – aeiiii?ei-iaoaiaoe/ia iiaeaethaaiiy,
i?ioani? ii eaoaae?? aeiiii?/ii? ?ioi?iaoeee, Aea?aeaaia iaoaeo?a?eia
aeaaeai?y Oe?a?ie, i?ioani? eaoaae?e aeiiii?/ii? ?ioi?iaoeee, aeaeai
aeiiii?/iiai oaeoeueoaoo

Eino?ia I?ia ?aai?aia, aeieoi? aeiiii?/ieo iaoe ca niaoe?aeuei?noth
08.03.02. – aeiiii?ei-iaoaiaoe/ia iiaeaethaaiiy, i?ioani? ii eaoaae??
aeiiii?ei-iaoaiaoe/i? iaoiaee, Ee?anueeee iaoe?iiaeueiee oi?aa?neoao ?i.
O. Oaa/aiea, i?ioani? eaoaae?e o?iain?a, a?ioiaiai ia?ao oa e?aaeeoo

?aaaiei Aaea??e Eoe’yiiae/, aeieoi? aeiiii?/ieo iaoe ca niaoe?aeuei?noth
08.03.02. – aeiiii?ei-iaoaiaoe/ia iiaeaethaaiiy, noa?oee iaoeiaee
ni?a?ia?oiee, I?aeia?iaeiee iaoeiai-iaa/aeueiee oeaio? ?ioi?iaoe?eieo
oaoiieia?e oa nenoai IAI Oe?a?ie oa I?i?noa?noaa ina?oe Oe?a?ie,
i?ia?aeiee iaoeiaee ni?a?ia?oiee

I?ia?aeia onoaiiaa – Euea?anueeee aea?aeaaiee oi?aa?neoao ?i. ?.
O?aiea, eaoaae?a aeiiii?/ii? e?aa?iaoeee

Caoeno a?aeaoaeaoueny 21 a?oaeiy 1988 ?ieo i 14 aiaeei? ia can?aeaii?
niaoe?ae?ciaaii? a/aii? ?aaee Ae26.006.01 Ee?anueeiai iaoe?iiaeueiiai
aeiiii?/iiai oi?aa?neoaoo I?iina?oe Oe?a?ie ca aae?anith: 252057,
i.Ee?a, i?iniaeo Ia?aiiae, 54/1, aoae.317

C aeena?oaoe??th iiaeia iciaeiieoeny a a?ae?ioaoe? Ee?anueeiai
iaoe?iiaeueiiai aeiiii?/iiai oi?aa?neoaoo ca aae?anith: 252057,
i.Ee?a, i?iniaeo Ia?aiiae, 54/1.

A?aeaoee ia aaoi?aoa?ao iaaeneeaoe ca aae?anith: 252057, i.Ee?a,
i?iniaeo Ia?aiiae, 54/1.

Aaoi?aoa?ao ?ic?neaii 20 eenoiiaaea 1998 ?.

A/aiee nae?aoa? niaoe?ae?ciaaii? a/aii? ?aaee,

i?ioani? I.Ae.Oa?aiia

Caoeno aoa ia?aianaiee ? a?aeaoany 26 ethoiai 1999 ?.

CAAAEUeIA OA?AEOA?ENOEEA ?IAIOE

Aeooaeuei?noue oaie. Cae?eniaiiy aeiiii?/ieo ?aoi?i a Oe?a?i?, ?o
ni?yioaaiiy ia noai?aiiy nenoaie ?eie?a, na?oiaa o?iainiaa e?eca oa
o?iainiaa e?eca a iao?e e?a?i? aeiaaathoue noai?aiiy iiaiai ae?iaie/iai
oa o?iainiaiai iaoai?cio, ?, cie?aia, ?aaeeeaeueieo ci?i a oi?aae?ii?
o?iainaie ia i?e?i??ai?. Oai??y ? i?aeoeea oi?aae?iiy o?iainaie
i?aei?e?inoa eiiaiaeii-aaei?i?no?aoeaii? nenoaie ainiiaea?thaaiiy ia
a?aeiia?aeathoue iiaei aeiiii?/iei aeiiaai ? aeiaaathoue i?iaaaeaiiy
aeine?aeaeaiue c aaoiiaoeciaaii? i?aeo?eiee i?eeiyooy o?iainiaeo
??oaiue. Aea/aiiy e aiae?c e?oa?aoo?ieo aeaea?ae
iieacothoue, ui a NOA, I?ia//ei?, Aaeeeia?eoai?? ?c 70-o ?ie?a ii/aee
?ioaineaii i?iaiaeeoenue ?iaioe c aaoiiaoeciaaii? i?aeo?eiee i?eeiyooy
??oaiue, o oiio /ene? ? o?iainiaeo, a ?acoeueoao? /iai noai?ai? e
oni?oii aeei?enoiaothoueny nenoaie i?aeo?eiee i?eeiyooy ??oaiue (NII?).
O ca?oa?aei?e e?oa?aoo?? oe? nenoaie a?aeii? i?ae iacaith
Decision-Support Systems. ?ioa?an aei nenoai i?aeo?eiee i?eeiyooy
o?iainiaeo ??oaiue (NIIO?) ye aei ia?niaeoeaii? aaeoc? aeei?enoaiiy AII,
aeiiii?ei-iaoaiaoe/ieo iaoiae?a oa iiaeaeae ? ye aei ?ino?oiaioa??th
oi?aae?iiy o?iainaie ia i?e?i??ai? a oiiaao noaiiaeaiiy ?eieiai? nenoaie
oa aeiaaeueieo o?iainiaeo e?ec c?inoa?. NIIO? iiaeia aecia/eoe ye
?ioa?aeoeaio eiii’thoa?io nenoaio, i?ecia/aio aeey i?aeo?eiee ??cieo
aeae?a ae?yeueiino? i?e i?eeiyoo? o?iainiaeo ??oaiue ?c no?oeoo?iaaieo,
neaaino?oeoo?iaaieo ? iano?oeoo?iaaieo i?iaeai.

Ioaea, aeooaeueiith ? caaea/a ?ic?iaee ? ai?iaaaeaeaiiy ia
i?aei?e?inoaao eiii’thoa?ii? NIIO?. ?ica’ycaiiy oe??? caaea/? iio?aao?,
o naith /a?ao, iiaeeaeaiiai aeine?aeaeaiiy ?nioth/eo ? ?ic?iaeo iiaeo
iaoiae?a ? i?eioeei?a noai?aiiy i?aai?caoe?eiiai, ?ioi?iaoe?eiiai oa
i?ia?aiiiai caaacia/aiiy, ?ic?iaee aeiiii?ei-iaoaiaoe/ieo iaoiae?a oa
iiaeaeae, iia’ycaieo c oi?aae?iiyi o?iainaie ia i?e?i??ai?.

??ci? aniaeoe aeine?aeaeoaaii? i?iaeaie aena?oeai? a i?aoeyo a?o/eciyieo
oa ca?oa?aeieo a/aieo: A.Aeae.Aeaenaiaea?a, A.A.Aoeaiiaa,
?.O.Aaeaaaiiaa, Aeae.A.Aaee?, A.I.Ai?eniaa, I.Ae.Aaneeeea,
A.A.A?oe?inueeiai, A.A?iiaee?, Ae.A.?aeaiiaa, N.A.?iaeueyiiaa,
I.A.?o?iiaa, A.E.Caaea, A.A.Eiaaeueiaa, E.O.Eiaaeue/oea, A.I.Eieanieea,
A.O.Eiiiiaiea, I.?.Eino?ii?, A.Eioiaia, I.A.E?oiaa?aa, I.?.Ea??/aaa,
?.ss.Eoeanaae/a, A.?.Iaeaeaieea, ss.N.Iaeeoiiaa, A.A.Ia?oaina,
I.Ii?aaiooa?ia, O.O.Ii???na, N.?.Iaeiia/iiai, TH.Iaeiaia, A.I?eaaooa,
Ae.Ii?eiooa, N.A.I?eianueeiai, A.E.Iao?aiea, I.?.Iooea?a, O.?aena,
A.?aeoa, A.E.?aaaiea, A.?oa, I.N.?ycaiiaa, ?.N.Naeooe?ia,
A.?.Naiai?nueeiai, A.O.Neoieea, A.I.Nooi?i?ii?, I.A.Oaa?aeioe?aa,
A.I.O?iiy, ?.?.O?ooa?aa, ?.I.Oaaei?iaa, A.I.Oaaeiniaa, E.Oaaeaeaa?ea,
I.A.*oia/aiea, A.A.*oiaeiaa, O.O.Oa?ia, A.Ae.Oa?aiaoa, Ae.A.THae?ia,
N.?.TH??y, I.?.ssno?ainueeiai oa ?ioeo.

Aiaeii/an, o iaoeia?e e?oa?aoo?? iaaeinoaoiueith i??ith aena?oeai?
?ioaa?iaai? aeine?aeaeaiiy c i?iaeaiaoeee i?iaeooaaiiy, ?ic?iaee oa
ai?iaaaeaeaiiy NIIO? ia i?e?i??ai?. O oai?aoe/ieo ?ic?iaeao a/aieo ia
ciaeoee aeinoaoiueiai iaa?oiooaaiiy ieoaiiy ?ic?iaee ?ioi?iaoe?eiiai,
iaoaiaoe/iiai oa i?ia?aiiiai caaacia/aiiy NIIO? noa’?eo?a
ae?iaie/i-ainiiaea?nueei? oa o?iainiai? ae?yeueiino? a oiiaao
noaiiaeaiiy ?eieiai? nenoaie a Oe?a?i?. A?aenooi?noue oe?e?nii?
eiioeaioe?? ? nenoaiiiai i?aeoiaeo aei ae??oaiiy i?iaeai oi?aae?iiy
o?iainaie ia i?e?i??ai? noaea nooo?aith i?e/eiith iaaeoi iecueei?
?acoeueoaoeaiino? oi?aae?inueeeo ??oaiue ? ae?e uiaei
ae?iaie/i-ainiiaea?nueei? oa o?iainiai? ae?yeueiino? noa’?eo?a ?eieo,
ui oi?io?oueny.

Ioaea, c iaeyaeo ia iiao aeiiii?/io neooaoe?th a Oe?a?i?, aeooaeueiith
iinoa? i?iaeaia ?ic?iaee eiioeaiooaeueii-iaoiaeieia?/ieo iniia,
iaoaiaoe/ieo iaoiae?a oa iiaeaeae, ?ioi?iaoe?eiiai ? i?ia?aiiiai
caaacia/aiiy oi?aae?iiy o?iainaie ia i?e?i??ai? a eiioeaioe?? NIIO?, ui
? aecia/eei iaoo e iniiai? caaaeaiiy aeine?aeaeaiiy.

Ca’ycie ?iaioe c iaoeiaeie i?ia?aiaie, ieaiaie, oaiaie. Aeena?oaoe?y
iia’ycaia c aeei?enoaiiyi aeine?aeaeaiue i?e aeeiiaii? aini?ic?aooieiaeo
oai: ni?eueii c ?inoeoooii e?aa?iaoeee AI O?N? c 1985 ii 1989??.
“?ic?iaea oaoiieia?? aaoiiaoeciaaii? ia?iaee aeiiii?/ii? ?ioi?iaoe?? ia
iniia? aac aeai?eoi?a ? i?ia?ai”(iiia? aea?ae?a?no?aoe?? AeEIO ?472/248;
01.05.085), c I?iina?oe Oe?a?ie “Aeine?aeaeaiiy oa ?ic?iaea
iaoeiai-iaoiaee/ieo iniia i?aai?caoe?? o?iainiaiai eiio?ieth a Oe?a?i?”
(iiia? aea?ae?a?no?aoe?? 0197 U 012448; 1997-1999??.) oa “Aeine?aeaeaiiy
? ?ic?iaea ?ioi?iaoe?eii? nenoaie o?iainiaiai iaiaaeaeiaioo” (iiia?
aea?ae?a?no?aoe?? 0197 U 012449; 1997-1999??.), a oaeiae iaoeiaeo oai,
aeeth/aieo o ieai iaoeiai-aeine?aeieo ?ia?o a/aii? ?aaee
Oa?iii?euenueei? aeaaeai?? ia?iaeiiai ainiiaea?noaa (OAIA)
“Eiioeaiooaeuei?, iaoiaeieia?/i? oa iaoaiaoe/i? iniiae noai?aiiy nenoai
i?aeo?eiee i?eeiyooy o?iainiaeo ??oaiue ia i?e?i??ai?” oa “Iaoiaeieia?y
?ic?iaee eiii’thoa?ii? ?ioi?iaoe?eii? nenoaie oi?aae?iiy aeuei
iaa/aeueiei caeeaaeii”.

?acoeueoaoe aeine?aeaeaiue, iieeaaeaieo a iniiao aeena?oaoe??,
aeei?enoai?: o ?ic?iaoe? a?cian-ieai?a oa ?iaanoeoe?eieo i?iaeo?a
?icaeoeo a?aee?eoiai aeoe?iia?iiai oiaa?enoaa “Aeaiao?a” i. Eooeuee, o
neeaae? yeiai ooieoe?iiothoue /ioe?e caaiaee AIE; o i?iaaaeaii? ?ia?o
th?eaee/ii-eiinaeo?iaiaith eiiiai??th “TH?eiinaeo?ia” eoae., i.
Oa?iii?eue, iiaeaethaaiiy aenia?oieo ioe?iie a?cian-ieai?a ?icaeoeo
i?aei?e?inoa (o??i, eiiiai?e); i?e i?aeaioiaoe? iioi/ieo ? no?aoaa?/ieo
i?iaeo?a ?icaeoeo ooiaeaiaioaeueieo aeine?aeaeaiue oa i?iaaaeaii?
i?iaeoii-eiino?oeoi?nueeeo ?ia?o iaoeiai-ae?iaie/i? eiiiai?? “NAIA”
eoae., i. Ee?a, c eiii’thoa?iiai iiaeaethaaiiy ?ic?iaee a?cian-ieai?a
iaoeiai-aeine?aeieo oa i?iaeoii-eiino?oeoi?nueeeo i?ia?ai c noai?aiiy
?iaioioaoi?/ieo aia?ao?a oeio “Aecineaeaoii”, ye? caiaoaioiaai? ?
aeeth/ai? a Aea?aeaaio i?ia?aio ?icaeoeo iaaeoaoi?ee ia 1997-2003??.
(ainiaeiaia?? ?12/1538 a?ae 15.09.1997?. c Aea?aeaaiei Oe?a?inueeei
ia’?aeiaiiyi “Iie?oaoiaae”), i?e ?ic?iaoe? oa iioei?caoe??
?iaanoeoe?eieo i?iaeo?a c aeaii? i?iaeaiaoeee, aiae?c? aoaeoeaiino?
aeei?enoaiiy iaiaoa??aeueieo aeoea?a (?ioaeaeooaeueii? aeaniino?); o
?ic?iaoe? iaa/aeueieo ?iai/eo i?ia?ai c aeenoeeie?i: “?ioi?iaoe?ei?
nenoaie a o?iainiai-e?aaeeoieo onoaiiaao”, “?ioi?iaoe?ei? nenoaie a
aeiiii?oe?”, “Aaoiiaoeciaai? nenoaie ia?iaee aeiiii?/ii? ?ioi?iaoe??”,
“Eiii’thoa?eciaai? nenoaie oi?aae?iiy”, “Oi?aae?iiy i?aei?e?iieoeueeei
?eceeii”, “Aeiiii?/iee ?ecee ? iaoiaee eiai aei??thaaiiy” a OAIA; i?e
?ic?iaoe? i?iaeoo eiii’thoa?ii? ?ioi?iaoe?eii? nenoaie OAIA
(caoaa?aeaeaiiai ??oaiiyi A/aii? ?aaee OAIA ?7 a?ae 29.05.1996?.).

I?e aeeiiaii? aeacaieo ?ia?o aeena?oaio aoa iaoeiaei ea??aieeii
(a?aeiia?aeaeueiei aeeiiaaoeai) oai, a?aa aaciina?aaeith o/anoue o
oi?ioaaii? oai?aoeei-iaoiaeieia?/ieo ? iaoiaee/ieo i?aeoiae?a, ?ic?iaoe?
?ioi?iaoe?eiiai, iaoaiaoe/iiai ? i?ia?aiiiai caaacia/aiiy oa i?iaaaeaii?
aiae?oe/ieo e i?iaiicieo ?ic?aooie?a, aenia?oieo ioe?iie i?iaeai ?
ia?niaeoea, ye? noinothoueny i?eeiyooy o?iainiaeo ??oaiue ia i?e?i??ai?.

Iaoa ? caaea/? aeine?aeaeaiiy. Iaoith aeena?oaoe?eiiai aeine?aeaeaiiy ?
?ic?iaea eiioeaiooaeueii-iaoiaeieia?/ieo iniia ? iaoiaee/ieo iieiaeaiue,
noai?aiiy oa aeei?enoaiiy nenoai i?aeo?eiee i?eeiyooy o?iainiaeo ??oaiue
ia i?e?i??ai? a oiiaao oi?ioaaiiy ?eieiai? nenoaie a Oe?a?i?.

?aae?caoe?y iaoe ?iaioe coiiaeea iaiao?aei?noue aecia/aiiy ? ?ica’ycaiiy
oaeeo i?iaeaiieo caaea/:

aiae?c i?iaeaiaoeee i?eeiyooy o?iainiaeo ??oaiue ia i?e?i??ai? oa
aecia/aiiy nooiino? ? i?noey NIIO? a oi?aae?ii? o?iainaie i?aei?e?inoa;

?ic?iaea oai?aoeei-eiioeaiooaeueieo iniia oa iaoiaeieia?/ieo iieiaeaiue
noai?aiiy NIIO? ia i?e?i??ai?;

eeaneo?eaoe?y e aiae?c iiaeaethth/eo cania?a (iaoiaeieia?/ii? aace)
NIIO?;

iiaoaeiaa no?oeoo?ii? iiaeae? NIIO?;

?ic?iaea iaoiaeeee i?aeo?eiee i?eeiyooy ??oaiue c o?iainiaiai aiae?co ia
i?aei?e?inoa? a eiioaeno? noai?aiiy NIIO?;

?ic?iaea iaoiaeieia?/ieo iniia oa iaoaiaoe/ieo iiaeaeae i?eeiyooy
?eceeiaaieo o?iainiaeo ??oaiue ia i?e?i??ai?;

?ic?iaea iaoiaeeee aeai?o oa canoinoaaiiy ooieoe?? aea?aeiino? aeey
i?eeiyooy ?eceeiaaieo o?iainiaeo ??oaiue;

iiaoaeiaa ooieoe?? aea?aeiino? aeey iino?eii? oa iae?i?eii? ci?ie i??e
noeeueiino? ? ianoeeueiino? aei ?eceeo;

?ic?iaea iaoiaeeee canoinoaaiiy ooieoe?? aea?aeiino? a iiaeae?
iioeiaeueiiai no?aooaaiiy;

aeine?aeaeaiiy i?iaeai iiaeaethaaiiy i?eeiyooy ?eceeiaaieo o?iainiaeo
??oaiue a oiiaao iaaecia/aiino?;

?ic?iaea iaoiaeeee iiaeaethaaiiy oa aiae?co e?eoa???a ioe?ithaaiiy
?iaanoeoe?eieo i?iaeo?a;

iiaoaeiaa iiaeae? iioeiaeueiiai ?iaanoeoe?eiiai ii?ooaey i?e caaeaiiio
??ai? aeio?aeiino? ? i?i?iaeueiiio ?eceeo;

?ica’ycaiiy caaea/? iaenei?caoe?? niiae?aaii? aeio?aeiino?
?iaanoeoe?eiiai ii?ooaey i?e caaeaiiio o?eniaaiiio ??ai? ?eceeo;

aecia/aiiy oeyo?a iiaeaeueoiai aaeineiiaeaiiy oi?aae?iiy ?iaanoeoe?yie
ia iniia? ia/?oeeo iiiaeei;

?ic?iaea ?ioi?iaoe?eiiai, iaoaiaoe/iiai oa i?ia?aiiiai caaacia/aiiy
NIIO?.

I?aaeiaoii aeine?aeaeaiiy ? eiioeaiooaeueii-iaoiaeieia?/i? iniiae oa
aeiiii?ei-iaoaiaoe/i? iiaeae? ?ic?iaee nenoai i?aeo?eiee i?eeiyooy
o?iainiaeo ??oaiue ia i?e?i??ai?.

Ia’?eoii aeine?aeaeaiiy ? nenoaia oi?aae?iiy o?iainaie ia i?e?i??ai? a
oiiaao noaiiaeaiiy ?eieiai? nenoaie.

?ioi?iaoe?eiith aacith aeine?aeaeaiiy ? caeiie Aa?oiaii? ?aaee Oe?a?ie,
Oeace I?aceaeaioa, iinoaiiae Eaa?iaoo I?i?no??a Oe?a?ie,
ii?iaoeaii-i?aaia? aeoe i?i?noa?noa ? a?aeiinoa Oe?a?ie, iaoa??aee
i?aeia?iaeieo, ?anioae?eainueeeo iaoeiai-i?aeoe/ieo eiioa?aioe?e,
nai?ia??a, e?oa?aoo?i? aeaea?aea, ye? iaeaaeaoue aei i?iaeaiaoeee
oi?aae?iiy o?iainaie oa ?ic?iaee NIIO?.

Iaoeiaa iiaecia ?iaioe iieyaa? a oiio, ui a i?e:

?ic?iaeaii eiioeaiooaeueii-iaoiaeieia?/i? iniiae iiaoaeiae NIIO? ia
i?e?i??ai? a oiiaao oi?ioaaiiy ?eieiai? nenoaie e?a?ie;

cai?iiiiiaaii oaoiieia?/i? i?aeoiaee uiaei i?iaeooaaiiy, ?ic?iaee oa
ai?iaaaeaeaiiy NIIO? ia i?aei?e?inoa?, iiaoaeiaaii no?oeoo?io iiaeaeue
NIIO?;

?ic?iaeaii iaoiaeieia?/i? iniiae oa iaoaiaoe/i? iiaeae? i?eeiyooy
?eceeiaaieo o?iainiaeo ??oaiue o NIIO?;

aeine?aeaeaii iiaoaeiao ooieoe?? aea?aeiino? aeey iino?eii? oa
iae?i?eii? ci?ie i??e noeeueiino? ? ianoeeueiino? aei ?eceeo;

cai?iiiiiaaii iaoiaeeeo canoinoaaiiy ooieoe?? aea?aeiino? a iiaeae?
iioeiaeueiiai no?aooaaiiy;

?ic?iaeaii iaoiaeeeo aeei?enoaiiy i?eioeeio A?aana-Aeaeaeina aeey
i?eeiyooy ?eceeiaaieo o?iainiaeo ??oaiue a oiiaao iaaecia/aiino?;

?ic?iaeaii iaoiaeeeo iiaeaethaaiiy oa aiae?co e?eoa???a ioe?ithaaiiy
?iaanoeoe?eieo i?iaeo?a;

iiaoaeiaaii iiaeaeue iioeiaeueiiai ?iaanoeoe?eiiai ii?ooaey i?e
caaeaiiio ??ai? aeio?aeiino? ? i?i?iaeueiiio ?eceeo;

noi?ioeueiaaii oa ?ica’ycaii caaea/o iaenei?caoe?? niiae?aaii?
aeio?aeiino? ?iaanoeoe?eiiai ii?ooaey i?e caaeaiiio ??ai? ?eceeo;

cai?iiiiiaaii iaoiaeeeo ?ic?iaee ?ioi?iaoe?eiiai, iaoaiaoe/iiai oa
i?ia?aiiiai caaacia/aiiy NIIO? ia i?aei?e?inoa?.

I?aeoe/ia cia/aiiy iaea?aeaieo ?acoeueoao?a. Oai?aoeei-eiioeaiooaeuei?
iniiae, iaoiaeieia?/i? oa iaoiaee/i? iieiaeaiiy, ui noi?ioeueiaai? a
aeena?oaoe??, ? aianeii o nenoaio ciaiue i?i iaoiaee ? i?eioeeie
oi?aae?iiy o?iainaie ia i?e?i??ai? a oiiaao ?eieiai? nenoaie o
eiioeaioe?? nenoai i?aeo?eiee i?eeiyooy o?iainiaeo ??oaiue.

I?aeoe/ia oe?ii?noue aeena?oaoe?? iieyaa? a iaoeiai iaa?oioiaai?e
iaoiaeieia?? i?iaeooaaiiy, ?ic?iaee oa ai?iaaaeaeaiiy eiii’thoa?ieo
nenoai i?aeo?eiee i?eeiyooy o?iainiaeo ??oaiue aeey oi?aae?iiy o?iainaie
i?aei?e?inoa (o??i, eiiiai?e) a oiiaao noaiiaeaiiy ?eieiai? nenoaie.

I?aeoe/io oe?ii?noue iathoue:

iaoiaeieia?y ?ic?iaee NIIO?;

no?oeoo?ia iiaeaeue NIIO? ia i?aei?e?inoa?;

iaoiaeeea i?iaaaeaiiy o?iainiaiai aiae?co a NIIO?;

iaoiaeieia?y oa iaoaiaoe/i? iiaeae? i?eeiyooy ?eceeiaaieo o?iainiaeo
??oaiue o NIIO?;

iaoiaeeea iiaoaeiae ooieoe?? aea?aeiino? aeey iino?eii? oa iae?i?eii?
ci?ie i??e noeeueiino? ? ianoeeueiino? aei ?eceeo;

iiaeaeue aecia/aiiy no?aoiai? noie ?eceeo caeaaeii a?ae i??e noeeueiino?
? ianoeeueiino? aei ?eceeo II?;

iaoiaeeea canoinoaaiiy ooieoe?? aea?aeiino? a iiaeae? iioeiaeueiiai
no?aooaaiiy;

iiaeeo?eiaaia iiaeaeue iioeiaeueiiai no?aooaaiiy;

iaoiaeeea aeei?enoaiiy i?eioeeio A?aana-Aeaeaeina aeey i?eeiyooy
?eceeiaaieo o?iainiaeo ??oaiue aeey aeiaaee?a aeaio, o?ueio ? a?eueoa
iiaeeeaeo aeiiii?/ieo noai?a;

iaoiaeeea iiaeaethaaiiy oa aiae?co e?eoa???a ioe?ithaaiiy ?iaanoeoe?eieo
i?iaeo?a;

iiaeaeue iioeiaeueiiai ?iaanoeoe?eiiai ii?ooaey i?e caaeaiiio ??ai?
aeio?aeiino? ? i?i?iaeueiiio ?eceeo;

iaoiaeeea ?ica’ycaiiy caaea/ iaenei?caoe?? niiae?aaii? aeio?aeiino?
?iaanoeoe?eiiai ii?ooaey i?e caaeaiiio ??ai? ?eceeo;

iaoiaeeea ?ic?iaee ?ioi?iaoe?eiiai oa i?ia?aiiiai caaacia/aiiy NIIO? a
eiioeaioe?? aac aeaieo ? aac iiaeaeae caniaaie MS Office 97 oa
WWW-oaoiieia?e.

?aae?caoe?y ?acoeueoao?a aeine?aeaeaiiy. Iaoeia? ?acoeueoaoe, io?eiai?
ia iniia? i?iaaaeaiiai aeine?aeaeaiiy, aeei?enoiaothoueny o ?ic?iaoe?
iaa/aeueieo i?ae?o/iee?a, iin?aiee?a, iaoiaeee aeey i?aeaioiaee
nooaeaio?a oa neooa/?a eo?n?a i?aeaeuaiiy eaae?o?eaoe?? c aeaii?
i?iaeaiaoeee, o aeueo iaa/aeueieo caeeaaeao Oe?a?ie oa ?in??,
iiaeaethaaii? i?ioean?a i?eeiyooy o?iainiaeo ??oaiue ia i?aei?e?inoaao
(o??iao, eiiiai?yo).

?acoeueoaoe aeine?aeaeaiue ai?iaaaeaeai? ? ai?iaaaeaeothoueny i?e
aeeiiaii? iaoeiai-aeine?aeieo ainiaeiaia??ieo oai ?inoeoooo e?aa?iaoeee
A. I. Aeooeiaa IAI Oe?a?ie, Oa?iii?euenueei? aeaaeai?? ia?iaeiiai
ainiiaea?noaa, iaoeiai-ae?iaie/i? eiiiai?? “NAIA” eoae. (i. Ee?a),
th?eaee/ii-eiinaeo?iaiai? eiiiai?? “TH?eiinaeo?ia” eoae. (i.
Oa?iii?eue), a?aee?eoiai aeoe?iia?iiai oiaa?enoaa “Aeaiao?a” (i.
Eooeuee), aeoe?iia?iiai no?aoiaiai oiaa?enoaa “Oa?ai” (i. Oa?iii?eue), o
iaa/aeueiiio i?ioean? Oa?iii?euenueei? aeaaeai?? ia?iaeiiai
ainiiaea?noaa, Euea?anueeiai aea?aeaaiiai oi?aa?neoaoo ?i. ?.O?aiea,
Ee?anueeiai iaoe?iiaeueiiai aeiiii?/iiai oi?aa?neoaoo, Euea?anueeiai
aea?aeaaiiai eiia?oe?eiiai oi?aa?neoaoo, Oa?iii?euenueeiai eiia?oe?eiiai
?inoeoooo, Oa?iii?euenueeiai ?inoeoooo aeiiii?ee ? i?aei?e?iieoeoaa,
?inoeoooo a?ciano ? ae?eiaiai aaei?i?no?oaaiiy Aeaaeai?? ia?iaeiiai
ainiiaea?noaa i?e O?yae? ?O, a ?ic?iaeaieo iaoeiaeo i?ia?aiao aai ?o
?icae?eao, aenia?oieo aeniiaeao, iaa/aeueieo aeenoeeie?iao, ui
i?aeoaa?aeaeaii a?aeiia?aeieie aeieoiaioaie.

Ai?iaaoe?y ?acoeueoao?a aeena?oaoe??. ?acoeueoaoe aeine?aeaeaiue
aeiiia?aeaeeny, iaaiai?thaaeeny ? io?eiaee iiceoeaio ioe?ieo ia
i?aeia?iaeieo, ?anioae?eainueeeo eiioa?aioe?yo, eiioa?aioe?yo oa
iaoeiaeo nai?ia?ao aeeeaaea/?a Ee?anueeiai iaoe?iiaeueiiai aeiiii?/iiai
oi?aa?neoaoo, Oa?iii?euenueei? aeaaeai?? ia?iaeiiai ainiiaea?noaa,
Euea?anueeiai aea?aeaaiiai oi?aa?neoaoo ?i. ?.O?aiea, ?inoeoooo
e?aa?iaoeee ?i. A.I.Aeooeiaa IAI Oe?a?ie, ?inoeoooo a?ciano ? ae?eiaiai
aaei?i?no?oaaiiy Aeaaeai?? ia?iaeiiai ainiiaea?noaa i?e O?yae? ?O ?,
cie?aia: “I?iaeaiu iiauoaiey yoaeoeaiinoe i?iecaiaenoaa ia iniiaa
onei?aiey IOI” (Oa?iii?eue, OOA?, 1987?.); “Eniieueciaaiea ia?niiaeueiuo
eiiiuethoa?ia e nenoai ?ani?aaeae?iiie ia?aaioee aeaiiuo a yeiiiie/aneie
?aaioa” (Oa?iii?eue, OOA?, 1988?); “Noaiiaeaiiy iaoe?iiaeueii? aeiiii?ee
a Oe?a?i?” (Euea?a, EAeO ?i.?.O?aiea,1995?.); I?aeia?iaeia
iaoeiai-i?aeoe/ia eiioa?aioe?y “Iaoiaeieia?y aeiiii?ei-noaoenoe/iiai
aeine?aeaeaiiy a oiiaao ?eieo” (Oa?iii?eue, OAIA, 1997?.); “I?iaeaie
aeiiii?/ii? ?ioaa?aoe?? Oe?a?ie a ?a?iiaenueeee Nithc: i?e?iaeiiii?/iee
aniaeo” (Ae?oaa i?aeia?iaeia iaoeiaa eiioa?aioe?y, sseoa-Oi?in, 1997?.);
I?aeia?iaeia iaoeiai-i?aeoe/ia eiioa?aioe?y “Aaie?anueea nenoaia
Oe?a?ie: i?iaeaie noaiiaeaiiy oa ia?niaeoeae ?icaeoeo” (Oa?iii?eue,
OAIA, 1998?.); “I?iaeaie aeiiii?/ii? ?ioaa?aoe?? Oe?a?ie o ?a?iiaenueeee
Nithc: ?aa?iiaeuei? oa nioe?aeueii-aeiiii?/i? aniaeoe” (O?aoy
i?aeia?iaeia iaoeiaa eiioa?aioe?y, sseoa-Oi?in, 1998?.); “I?iaeaie
aeiiii?/iiai ?eceeo: aiae?c oa oi?aae?iiy” (Ia?oa Anaoe?a?inueea
iaoeiai-i?aeoe/ia eiioa?aioe?y, Ee?a, 1998?.).

Ioae?eaoe??. Ca ?acoeueoaoaie aeine?aeaeaiiy iioae?eiaaii 41 iaoeiao oa
iaoiaee/io i?aoeth, a yeeo 73,5 oi. ae?oe. a?e. iaeaaeaoue iniaenoi
aeena?oaioo, cie?aia: 4 iiiia?ao??, c yeeo 2 iaeiiin?aieo ianyaii 51
oi. ae?oe. a?e., 17 iaoeiaeo noaoae, 3 iaoaioe ia aeiaoiaee, 5 oac
aeiiia?aeae ia iaoeiai-i?aeoe/ieo eiioa?aioe?yo oa 12
iaa/aeueii-iaoiaee/ieo ?ic?iaie.

No?oeoo?a ? ianya ?iaioe. Aeena?oaoe?y ia? oaeo no?oeoo?o: anooi, o?noue
?icae?e?a (27 i?ae?icae?e?a), aeniiaee, nienie aeei?enoaieo e?oa?aoo?ieo
aeaea?ae (261 iacaa), ianyaii 459 noi??iie iaoeiiieniiai oaenoo, a ye?
aoiaeyoue 42 ?enoiee ? 36 oaaeeoeue, oa 3 aeiaeaoee ia 35 a?eooao.

INIIAIEE CI?NO AeENA?OAOe?EII? ?IAIOE

O anooii?e /anoei? iaa?oioiaaii aeooaeuei?noue oaie aeine?aeaeaiiy, ??
ia?iaeiiainiiaea?nueea cia/aiiy, noi?ioeueiaaii iaoo ?iaioe, iiaeaii ??
caaaeueio oa?aeoa?enoeeo.

?ICAe?E ?. I?AAI?CAOe?EII-EIIOeAIOOAEUeI? OA ?IOI?IAOe?EI?

CANAAeE I?EEIssOOss O?IAINIAEO ??OAIUe IA

I?AeI?E?INOA?

I?iaaaeaii aeine?aeaeaiiy no/aniiai noaio eiii’thoa?ecaoe?? oi?aae?iiy
o?iainaie i?aei?e?inoa. Aeeiiaii aiae?c caaea/ii?, aeai?eoi?/ii? oa
?ioi?iaoe?eii? no?oeoo?e i?aenenoaie oi?aae?iiy o?iainaie ia
i?aei?e?inoa? a eiioaeno? ?ic?iaee iaoiaeieia?? eiii’thoa?iiai
caaacia/aiiy i?aeo?eiee i?eeiyooy o?iainiaeo ??oaiue.

I?iaeaie i?eeiyooy ??oaiue a i?aai?caoe?eiiio oi?aae?ii? ? oi?eaeueieie
e ianoaiaea?oieie, aea aiie a nai?e neooaoe?ei?e iniia? iathoue
caaaeuei? ?ene: iaiiaoi?i?noue neooaoe?? aeai?o; neeaaeiee aeey ioe?iee
oa?aeoa? aeueoa?iaoea, ui ?icaeyaeathoueny; iaaeinoaoiy aecia/ai?noue
iane?aee?a ae?e (iaaecia/ai?noue i?neyae?e); iayai?noue noeoiiino?
??cii??aeieo oaeoi??a, ye? iaiao?aeii a?aoiaoaaoe i?ae /an i?eeiyooy
??oaiue; iayai?noue iniae aai a?oie in?a, ye? ianooue
a?aeiia?aeaeuei?noue ca i?eeiyooy ??oaiue. ?nio? aeae?eueea niinia?a
eeaneo?eaoe?? i?iaeaie i?eeiyooy ??oaiue. Aeioe?eueii aeei?enoiaoaaoe
eeaneo?eaoe?th, cai?iiiiiaaio Naeiiiii. Ca?aeii c oe??th
eeaneo?eaoe??th, an? i?iaeaie i?eeiyooy o?iainiaeo ??oaiue iiaeia
iiae?eeoe ia o?e eeane: aeia?a no?oeoo?iaai?; neaai no?oeoo?iaai?;
iano?oeoo?iaai?. Eeaneo?eaoe?y caaea/ i?aai?caoe?eiiai oi?aae?iiy
(caoaaaeeii, ui iaaea i?ae eeanaie no?oeoo?iaaieo ? neaaino?oeoo?iaaieo
caaea/ ia caaaeaee /?oea e iaeiicia/ia) iiaea aooe iinoaaeaia o
a?aeiia?aei?noue aei iaaieo a?oi ea??aiee?a oa niaoe?ae?no?a, ? ooo
aaaeeeai aecia/eoe oa?aeoa? e iniaeeaino? i?aeaioiaee ? i?eeiyooy
??oaiue caeaaeii a?ae ??aiy i?aai?caoe?eiiai oi?aae?iiy c oei, uia
noai?eoe ae?eia? aeai?eoie oa iiaeae? ? ia ?o iniia? — i?ia?aii? caniae
NIIO?.

I?aeaioiaeo oa i?eeiyooy oi?aae?inueeeo ??oaiue iiaeia i?aeo?eiaoe
oeyoii iiaoaeiae ?o iiaeaeae. Aa?o/e aei oaaae e?eoa??? ? oe?eue, yeei
a?aeiia?aea? aeaia iiaeaeue, iiaeia aeae?eeoe iiaeae?, ye? iienothoue
aeaia yaeua oa iiaeooue aooe aeei?enoai? aeey i?aeo?eiee i?eeiyooy
o?iainiaeo ??oaiue. E??cue i?ecio ?ioi?iaoe?eii-ae??ooaaeueieo i?iaeai
oi?aae?iiy o?iainaie ia i?e?i??ai? aeioe?eueii ?icaeyiooe aeaa aeaee
iiaeaeae SYMBOL 190 \f “Symbol” \s 10 ii?iaoeai? ? aeane?eioeai?
iiaeae? ??oaiue.

Ii?iaoeaia iiaeaeue ??oaiiy i?ecia/aia aeey iiooeo aaaeaiiai noaio
ia’?eoa /e nenoaie. O ii?iaoeaieo (e?euee?nieo) iiaeaeyo e?eoa??e aeai?o
iiaea ci?ithaaoeny caeaaeii a?ae e?eueeino? ? eiia??iino? iiyae
aeae?eaieo noai?a ?aaeueieo ia’?eo?a. Oe? iiaeae? iiaeia aeei?enoiaoaaoe
oaeiae a oiiaao aecia/aiino? (aiaaiaiino?), ?eceeo (eiia??i?nii?
aecia/aiino?) ? iaaecia/aiino? (iaaiaaiaiino?). sseui ??oaiiy
i?eeia?oueny ca oiia ?eceeo, oi e?eoa???i iiaea aenooiaoe i/?eoaaia
aea?aei?noue ?acoeueoaoo. O caaaeueiiio aeiaaeeo i?iaeaia aeai?o a
oiiaao iaaecia/aiino? iiaea aooe aecia/aia ca aeiiiiiaith oaei? a?oie
ci?iieo, ye? iienothoue iiiaeeio aa??aio?a aeai?o (aeueoa?iaoeaieo
ae?e), iiiaeeio cia/aiue ooieoe?? ia?aaaa, iiiaeeio cia/aiue
eiia??iinoae ianoaiiy neooaoe?e ? iiiaeeio e?eoa???a. Ia?ii:

;

;

.

. Aeey oeueiai iiaeooue canoiniaoaaoeny ??ci? e?eoa???:
Aa?ioee?-Eaieana, Aaeueaea, Aae?na, Naa?aeaea, AOO, Aae?na-Naa?aeaea,
Ao?a?oea, Ao?a?oea-Naa?aeaea, eiii?ii?no ca Ao?a?oeai aeey aea?aoo,
eiii?ii?no ca Ao?a?oeai aeey ?eceeo, Oiaeaeana-Eaiaia, Aa?ia??a,
e?aeiueiai iioei?cio, e?aeiuei? iaa?aaeiino?, aeiaooeo. Caoaaaeeii, ui
aea?? e?eoa??th aeey i?eeiyooy o?iainiaeo ??oaiue a oiiaao
iaaecia/aiino?, a oaeiae aecia/aiiy ia?aiao??a a?ae?a?aiiai e?eoa??th
iaeaaeeoue aei iaeneeaaei?oeo i?iaeai o ae?yeueiino? II?. Iniiaia
i?ecia/aiiy eiii’thoa?ieo nenoai i?aeo?eiee i?eeiyooy o?iainiaeo ??oaiue
o aeaiiio aeiaaeeo iieyaa? a iiaeieaii? iaaecia/aiino? ao?aeii?
?ioi?iaoe?? ? i?neyae?e.

Aeane?eioeaio (iieniao) iiaeaeue i?ecia/aii aeey iieno niinoa?aaeoaaieo
oaeoi??a aai i?iaiico iiaaae?iee ia’?eo?a. A?eueo?noue aeane?eioeaieo
iiaeaeae ??oaiiy iia’ycaia c ae?yie eiie?aoieo in?a. Aea aeiiii?/ia
i?aeoeea iieaco?, ui iaiao?aeii ?icaeyaeaoe i?ioeane ??oaiiy ? a
ianooaaao an??? i?aai?caoe?? (eieaeoeaia i?eeiyooy ??oaiue), ui
a?aeiia?aea? nenoaiiiio i?aeoiaeo, oiaoi ?icaeyaeaoe anth aeiiii?/io
nenoaio ye iiiaeeio iia’ycaieo i?iaeai aeey i?eeiyooy ??oaiue.

Ia iniia? nenoaiiiai i?aeoiaeo i?iaiae?ciaaii ?icaeoie eiioeaioe?? ?
no?oeoo?e NII?. I?iaaaeaii eeaneo?eaoe?th NII?: ia iniia? i??e
i?aeo?eiee i?eeiyooy ??oaiue, ia iniia? ?ino?oiaioaeueiiai i?aeoiaeo, ca
nooiaiai caeaaeiino? II? a i?ioean? i?eeiyooy ??oaiue. ?icaeyioo? ie?ai?
(iioaioe?ei?) iiaeae? NII?: NII? ???a?o?? oi?aae?iiy, NII? a
iaaeao ?ioi?iaoe?eiiai

i?aeoiaeo, NII?, ui aaco?oueny ia ciaiiyo, NII?, i???ioiaai? ia
iniaeno?noue II?, NII? aeey ieaioaaiiy ? i?iaiicoaaiiy, NII? aeey
eiioi?nueei? ae?yeueiino?. I?iaaaeaii aiae?c “oe?e” noai?aiiy NII?:
aiae?c ??oaiue, /eneaiiy ??oaiue, aeine?aeaeaiiy ??oaiue, i?ioean
ai?iaaaeaeaiiy (?aae?caoe??). I?iaaaeaii eeaneo?eaoe?th e aiae?c
iiaeaethth/eo cania?a (iaoiaeieia?/ii? aace) NIIO?. Cai?iiiiiaaii iaa??
aiae?oe/ieo iaoiae?a aeey i?iaeooaaiiy ?ic?iaee NIIO?.

Aea/aiiy oa aiae?c ??cieo i?aeoiae?a aei no?oeoo?ecaoe?? ? eeaneo?eaoe??
o?iainiaeo caaea/, a oaeiae aeina?ae a?o/eciyii? ? ca?oa?aeii?
ae?yeueiino? a aaeoc? ae?iaieoeoaa oa a?ciano, oa?aeoa? aaoiiaoeciaaieo
ooieoe?e a no/anieo oi?aae?inueeeo ?ioi?iaoe?eieo nenoaiao, aeathoue
ciiao aeacaoe iai?yie a aaeoc? o?iainiaeo ?ic?aooie?a ia i?aei?e?inoaao,
aeey yeeo iaiao?aeii noi?ioaaoe a?aeiia?aei? eiiieaene caaea/ (iiaeoe?)
a NIIO?: ?ic?aooiie o?iainiaeo iieaciee?a; oi?aae?iiy a?ioiaeie
?ano?naie ? iioieaie; aiae?c o?iainiaiai noaio; i?iaiicoaaiiy o?iainiaeo
iieaciee?a; aiae?c ? oi?aae?iiy o?iainiaei ?eceeii; oi?aae?iiy
?iaanoeoe?yie; oi?aae?iiy ?ioaeaeooaeueiith aeani?noth; oi?aae?iiy
ae?iaie/i-iaoa??aeueieie caianaie.

Noeoii?noue aeaiaio?a (i?aenenoai) neeaaea? no?oeoo?io iiaeaeue NIIO? ia
i?aei?e?inoa?, o ye?e a?aeia?aaeai? iniiai? aca?iica’ycee ? aca?iiae??
ooieoe?iiaeueieo, ?ano?nieo oa ?ioeo aeaiaio?a ae?iaieoeoaa o /an? ye ii
ai?eciioae?, oae ? ii aa?oeeae?. No?oeoo?io iiaeaeue NIIO? iaaaaeaii ia
?en.1.

Cai?iiiiiaaia no?oeoo?ia iiaeaeue NIIO? ia i?aei?e?inoa? ia? oo
iniaeea?noue, ui aeae?eai? iniiai? aeaiaioe (i?aenenoaie) ca?oiiaai? ca
iaeiaeiaeie iciaeaie ia iniia? nenoaiiiai i?aeoiaeo. Oae, iai?eeeaae,
i?aenenoaie, ui iaeaaeaoue aei oi?aae?iiy ae?iaieoeoaii,
eeaneo?eothoueny ca iciaeaie, ye? oa?aeoa?i? aeey i?iieneiaeo
i?aei?e?inoa aeaii? aaeoc? ainiiaea?noaa. Oea ooieoe?iiaeueia (?ano?nia)
iciaea caaacia/aiiy ? iciaea aeae?a ae?iaieoeoaa. Eiaeia ?c aeacaieo
eeaneo?eaoe?eieo a?oi a naith /a?ao ia’?aeio? o?eueee o? aeaiaioe
(i?aenenoaie), ye? a?aeiia?aeathoue iniiaiei eeaneo?eaoe?eiei
aeanoeainoyi aeaii? a?oie. Oaeee i?aeo?ae aei eeaneo?eaoe?? aeaiaio?a
ia’?eoa oi?aae?iiy o i?ioean? noai?aiiy NIIO? aea? ciiao a?oioaaoe
eiiieaene caaea/ ca iaiao?aeieie eeaneo?eaoe?eieie iciaeaie. Iiaeia
cae?enithaaoe ?ioa a?oioaaiiy eiiieaen?a caaea/. I?e oeueiio, iacaeaaeii
a?ae oiai /e ?ioiai a?oioaaiiy eiiieaen?a caaea/ iaoiaeeea ?o
?ica’ycaiiy ia ci?ith?oueny. Ci?ith?oueny eeoa ?? i?noea a oiio /e
?ioiio eiiieaen? caaea/.

Aeine?aeaeaii aeei?enoaiiy iaoiaeo aaaaoiao?eaooii? ei?eniino? aeey
?ic?iaee eiii’thoa?ii? nenoaie i?aeo?eiee i?eeiyooy o?iainiaeo ??oaiue.

?ICAe?E 2. I?AAI?CAOe?EI? E IAOIAeIEIA?*I? I?IAEAIE

I?AeO?EIEE ??OAIUe C O?IAINIAIAI AIAE?CO

O ae?oaiio ?icae?e? i?iaaaeaii aeine?aeaeaiiy i?iaeaiaoeee canoinoaaiiy
e?euee?nieo iaoiae?a o o?iainiaiio aiae?c? a eiioaeno? ?ic?iaee nenoai
i?aeo?eiee i?eeiyooy o?iainiaeo ??oaiue.

Aea/aiiy e?oa?aoo?ieo aeaea?ae oa aeina?ae i?iaaaeaiiy ?ia?o a iaeano?
aiae?co o?iainiaiai noaio i?aei?e?inoa (o??i, eiiiai?e) iieacothoue
aaaaoia?aii?noue i?iaeaie o?iainiaiai aiae?co, ui, a naith /a?ao,
coiiaeth? aenie? aeiiae aei ??aiy eaae?o?eaoe?? a?aeiia?aeieo
niaoe?ae?no?a, a oaeiae iaiao?aei?noue caaacia/aiiy ?o ?iaioe caniaaie
eiii’thoa?ii? i?aeo?eiee ? eiioi?eaoe?e, ye? ?aae?cothoueny a NIIO?.

Ia iniia? aiae?co e ocaaaeueiaiiy a?o/eciyiiai oa ca?oa?aeiiai aeina?aeo
o?iainiaeo ?ic?aooie?a ia i?aei?e?inoaao i?iiiio?oueny oi?o?eiaaia
nenoaia eeaneo?eaoe?? iieaciee?a ? eiao?oe??io?a. sse ? aoaeue-yea
nenoaia eeaneo?eaoe??, cai?iiiiiaaia oi?o?eiaaia nenoaia ? oiiaiith, a
ia aeiaiaoe/iith, oiaoi aeaye? aeaiaioe iiaeooue aooe a?aeianai? ??cieie
ei?enooaa/aie aei ??cieo eeaneo?eaoe?eieo oa?oioaaiue. Oiio oey nenoaia
noai?th?oueny a eiioeaioe?? a?aee?eoeo nenoai: o i?ioean? aaeaioaoe?? oa
aeei?enoaiiy NIIO? iiaeeea? aeiiiaiaiiy e ci?ie ye aeaiaio?a uiaei
aea?aieo a?oi, oae ? naieo a?oi.

I?iaaaeaii aeine?aeaeaiiy canoinoaaiiy e?euee?nieo iaoiae?a o
o?iainiaiio aiae?c? c iaoith ioe?iee o?iainiaiai noaio i?aei?e?inoa.
Ine?eueee ioe?iea o?iainiaiai noaio iaeaaeeoue aei neaaino?oeoo?iaaieo
i?iaeai i?eeiyooy ??oaiue, oi oaeoia?ao?/iee iaoa??ae ocaaaeueiaiiy
eiao?oe??io?a oa iieaciee?a o?iainiaiai aiae?co neoaeeoue ii?iaoeaiei
aacenii ?ic?iaee ye?nieo ? e?euee?nieo aeueoa?iaoea, ia ye? aieeaathoue
iniaeno? oa?aeoa?enoeee in?a, ui i?eeiathoue ??oaiiy. Iaoiaeieia?/ia
aaca NIIO? iiaeiia ioiiethaaoe oe?ieo aaio oi?iae?ciaaieo ? aa?enoe/ieo
i?ioeaaeo? o?iainiaiai aiae?co, uia II? iaea iiaeeea?noue aaia?oaaoe e
ioe?ithaaoe iiiaeeio aeueoa?iaoeaieo ae?e oa aeniiae?a. Aeey oeueiai
iiaeaii iien ? oi?iae?ciaai? i?ioeaaeo?e i?eeiyooy ??oaiue uiaei ioe?iee
o?iainiaiai noaio i?aei?e?inoaa (o??ie, eiiiai??) ca aeiiiiiaith oaeeo
iaoiae?a: ii??aiyiiy, caaaeaiiy oa oa?oioaaiiy, eaioethaiaeo
i?aenoaiiaie, ??cieoeue, ii??aiyiiy iieaciee?a aeine?aeaeoaaiiai
i?aei?e?inoaa (eiiiai??) c ia?an?/ieie iieacieeaie aaeoc?, aiae?co
e?eoe/ieo ni?aa?aeiioaiue, aiae?co noaa?eueiiai c?inoaiiy i?aei?e?inoaa,
i?iaiicoaaiiy aaie?oonoaa.

Aeine?aeaeaii canoinoaaiiy e?euee?nieo iaoiae?a aeey aiae?co
aeoe?iia?iiai eai?oaeo, ui ? ae?ae aaaeeeaei aeey th?eaee/ieo ? o?ce/ieo
in?a o i?ioean? noaiiaeaiiy ?eieiai? nenoaie a Oe?a?i? oa a oiiaao
na?oiaeo o?iainiaeo e?ec. Iniiaieie iieacieeaie, iaoiaeaie ? iiaeaeyie
ioe?iee aeoe?iia?iiai eai?oaeo ?: iioi/ia aa?o?noue, /enoa aa?o?noue,
?iaeaen ?aioaaaeueiino?, aioo??oiy ii?ia aeio?aeiino?, iiaeaeue
aeeneiiooaaiiy aeea?aeaiae?a, aiiiaeuei? aeioiaee, oaeoi?iee aiae?c,
oaeoi?i? iiaeae?. Aena?oeththoueny e?euee?ni? iaoiaee aiae?co iia?aoe?e
?c ciaiaSYMBOL 162 \f “Symbol” \s 10ycaiiyie: ioe?iea o?iainiaeo
ciaiaSYMBOL 162 \f “Symbol” \s 10ycaiue c o?eniaaiith a?aenioeiaith
noaaeith; aecia/aiiy iioi/ii? aa?oino?; ia/eneaiiy aeioiae?a ii
iae?aaoe?yo ? iieaciee?a aeio?aeiino?, a naia: iaa?iiaaeaeaiiai
eoiiiiiai aeioiaeo, aeioiaeo ii oe?iiiio iaia?o aei oa?i?io iiaaoaiiy,
i/?eoaaiiai aeioiaeo, oaeoe/iiai aeioiaeo, aeioiaeo i?ney nieaoe
iiaeaoeo, iioi/ii? aeio?aeiino?, aeio?aeiino? aei iiaaoaiiy, aeth?aoe??,
aeio?aeiino? aeiaaino?ieiaeo aaceoiiiieo iae?aaoe?e, aeio?aeiino?
aacno?ieiaeo iae?aaoe?e, aeio?aeiino? oe?iieo iaia??a c aeieaoith
a?aenioe?a o iiiaio iiaaoaiiy, aeio?aeiino? ei?ioeino?ieiaeo oa
eiia?oe?eieo iaia??a, ioe?iee aa?oino? ei?ioeino?ieiaeo aaceoiiiieo
iae?aaoe?e, aeio?aeiino? ei?ioeino?ieiaeo iaia??a c aeieaoith a?aenioe?a
o iiiaio iiaaoaiiy, aeio?aeiino? aaenae?a, aeio?aeiino? iae?aaoe?e, ye?
i?iaeathoueny c aeeneiioii.

O eiioaeno? ?ic?iaee NIIO? i?iaaaeaii aiae?c iiaeaeae ? aecia/aii
/eiieee, ye? aieeaathoue ia ?eiie iae?aaoe?e: ai?eciio ?iaanooaaiiy ?
aeioiaee; ?ioeyoe?y ? ?aaeuei? aeioiaee ii iae?aaoe?yo; i?ecia/aiiy
iae?aaoe?e ? no?aoaa?y ?ioi?caoe??, a oaeiae aeine?aeaeaii iioe?iiio
no?aoaa?th; e?euee?ni? iaoiaee, ye? aeei?enoiaothoueny a i?ioeanao
i?eeiyooy ??oaiue c ?ici?uaiiy o?iainiaeo ?ano?n?a: i/?eoaaiee aeioiae,
aaethoiee ?ecee i?e ?ici?uaii? ?ano?n?a, iioeiaeueiee ii?ooaeue aeoea?a,
aeeiai?/i? no?aoaa?? ?ici?uaiiy o?iainiaeo ?ano?n?a.

Aeine?aeaeaii aioo??oith ii?io aeioiaeiino? ioe?iee ?iaanoeoe?eieo
i?iaeo?a oa i?iaaaeaii aiae?c io?eiaieo IRR caniaaie MS Excel. Iieacaii,
ui aioo??oiueith ii?iith ?aioaaaeueiino? iio??aii aaaaeaoe ia
aoaeue-yeee ei??iue iie?iiia, a iaea?eueoee ei??iue oeueiai ??aiyiiy,
i?e yeiio eiai e?aa /anoeia ci?ith? na?e ciae c “iethn” ia “i?ion”,
oiaoi a?ae aea?aeiino? aei iaaea?aeiino?.

?ic?iaeaia iaoiaeeea iiaeaethaaiiy oa aiae?co e?eoa???a ioe?ithaaiiy
?iaanoeoe?eieo i?iaeo?a.

?ICAe?E 3. OAI?AOEEI-EIIOeAIOOAEUeI? INIIAE OA

IAOAIAOE*I? IIAeAE? I?EEIssOOss

?ECEEIAAIEO O?IAINIAEO ??OAIUe O NIIO?

O o?aoueiio ?icae?e? aeine?aeaeothoueny iaoiaeieia?/i? iniiae oa
iaoaiaoe/i? iiaeae? i?eeiyooy ?eceeiaaieo o?iainiaeo ??oaiue o eiioaeno?
?ic?iaee NIIO?. ?icaeyaeathoueny nooue ? caaea/? aiae?co e oi?aae?iiy
o?iainiaei ?eceeii, i?iaiaeeoueny no?oeoo?ecaoe?y oa eeaneo?eaoe?y
?eceeiaaieo o?iainiaeo caaea/. ?icaeyaeathoueny iiiyooy ??aiy ?eceeo
R(A) oa ?iaeeeaoi?e iaaei?eaooeo iaaiiai ??oaiiy:

(1)

aea f(x) — u?euei?noue eiia??iino? ?iciiae?eo aaee/eie o?iainiaiai
iieacieea O, ia?aiiai ca e?eoa??e ioe?iee aeueoa?iaoea (aeioiae, ii?ia
i?eaooeo oiui).

aeueoa?iaoeae A ? eiia??i?noue iiae??, yea iieyaa? a io?eiaii?
i?eaooeo (aeioiaeo /e ?ioiai o?iainiaiai iieacieea), ui ia?aaeuo?
iaoaiaoe/ia niiae?aaiiy mX iieacieea O a k ?ac?a (k>1). Baee/eia
iaaei?eaooeo aecia/a?oueny ca oi?ioeith:

(2)

Iaaiaeyoueny oai?aoeei-eiioeaiooaeuei? iniiae aeai?o ? canoinoaaiiy
ooieoe?? aea?aeiino? — a a?eueoino? o?iainiaeo caaea/ e?eoa???i
(iaeiiaei??iei oaeoi?ii) aenooiathoue eiooe, ui aea? i?aenoaao a
eiioaeno? i?eeiyooy o?iainiaeo ??oaiue a oiiaao ?eceeo iaiaaeeoeny
aeai?ii iaeiiaei??ii? ooieoe?? aea?aeiino? .

Aeey iino?eii? i??e ianoeeueiino? aei ?eceeo II? v(x)=kSYMBOL 185 \f
“Symbol” \s 100 ia iniia? iaoiae?a aeeoa?aioe?aeueieo ??aiyiue
iiaoaeiaaii ooieoe?th aea?aeiino?

,

yea ? ?ica’yceii e?aeiai? caaea/?

.

Aeine?aeaeothoueny aeanoeaino? oa oa?aeoa?enoeee io?eiaii? ooieoe??
aea?aeiino?.

O aeiaaeeo, eiee noaaeaiiy aei ?eceeo II? ci?ith?oueny ia i?ioeeaaeia
i?e ci?i? o?iainiaeo iieaciee?a ?c caeoe?a ia i?eaooee, iieacaii, ui
ooieoe?y aea?aeiino? iiaeiia caaeiaieueiyoe aeeoa?aioe?aeueia ??aiyiiy

ia? aeaeyae:

(3)

, oiaoi aei o??? naii? aaee/eie, ui ? o aeiaaeeo e?i?eii? ooieoe??
aea?aeiino?. Aeine?aeaeaii iaae?aio, iiaeo, aeenia?n?th ooieoe?? (3).
Ia/eneaii aneiao??th ? iieacaii, ui ca oiiae ??aiino? ca aaniethoiith
aaee/eiith caeoe?a oa i?eaooe?a ?? aneiao??y aei??aith? ioeaa?.

?acoeueoao?a o/ano? o eioa?a? aai

1) apriori iaa?aeiia,

aai

?c noaeith i??ith ianoeeueiino? aei ?eceeo k iio??aii ?ica’ycaoe
e?aeiao caaea/o:

:

.

.

eaaei ciaoiaeeoueny c ??aiyiiy:

aoea i?i?iaeueiith:

i??a ianoeeueiino? aei ?eceeo aei??aith?

, io?eia?ii ooieoe?th aea?aeiino? o oaeiio aeaeyae?:

(4)

. Io?eiai? ooieoe?? aeei?enoiaothoueny a iiaeae? iioeiaeueiiai
no?aooaaiiy aeey aecia/aiiy no?aoiai? /anoee aeoeao.

iaaeieaoe a?aeoeiaeoaaiiy:

,

— aeoea, aeanieeii yeiai ? iaaia o?ce/ia /e th?eaee/ia iniaa,

— aianie, ui niea/o?oueny no?aoia?e eiiiai??,

— aeiaai?iaea, yea io?eio?oueny a ?ac? ao?aoe aeoeao,

— eiia??i?noue iaaeioi?eaiino? aeoeao,

— ooieoe?y aea?aeiino? aeanieea aeoeao.

Aeine?aeaeaii aeaio iiaeaeue aeey ??cieo eean?a ooieoe?e aea?aeiino?.

?ICAe?E 4. IIAeAETHAAIIss I?EEIssOOss ?ECEEIAAIEO

O?IAINIAEO ??OAIUe A OIIAAO IAAECIA*AIINO?

O /aoaa?oiio ?icae?e? aeine?aeaeothoueny iiaeae? i?eeiyooy ?eceeiaaieo
o?iainiaeo ??oaiue a oiiaao iaaecia/aiino?.

icia/athoue i?eaooee, iaee?auei

iaaoaa? naiai iaea?eueoiai cia/aiiy:

(5)

iaa?aeii?, aeey aeai?o iioeiaeueiiai ??oaiiy aeei?enoiaothoue e?eoa??e
Aa?ioee?-Eaieana aai i?eioeei iaeneioio A?aana-Aeaeaeina.

Aeey aecia/aiiy iaa?aeiieo eiia??iinoae o aeiaaeeo iaaeinoaoiino?
noaoenoe/iiai iaoa??aeo aeioe?eueii aeei?enoiaoaaoe i?eioeei iaeneioio
iaaecia/aiino? A?aana-Aeaeaeina.

Ca?aeii c oeei i?eioeeiii, iaa?aeii? eiia??iino? ?1 ? ?2 = 1 – ?1 i?e n
= 2 iiaeii? iaaeaaaoe iaeneiaeueiiai cia/aiiy ooieoe??:

(6)

.

:

,

, aea

,

, ? ia ?noioiei, oiaoi i?e oaeiio iaiaaeaii?, ca?aeii c i?eioeeiii
iaeneioio A?aana-Aeaeaeina, eiia??iino? ?1=?2=1/2.

, oi

;

.

sseui ooeai? eiia??iino? caaeiaieueiythoue oiiae:

,

— e?euee?noue iiaeeeaeo noai?a, oi ia iniia? i?eioeeio
A?aana-Aeaeaeina iaa?aeii? eiia??iino? iio??aii ia/eneeoe ca oi?ioeaie:

(7)

(8)

aea j=2,3,…, r. (9)

ia iaa?aeii? eiia??iino? ianoaiiy aeiiii?/ieo noai?a.

O oeueiio ?icae?e? aeine?aeaeo?oueny oaeiae caaea/a iaenei?caoe??
iaoaiaoe/iiai niiae?aaiiy i?eaooe?a a?ae iaaii? ae?iaie/i? ae?yeueiino?
a oiiaao iaaeaoa?i?iiaaiiai iiieoo ia i?iaeoeoe?th. Io?eiaii yai?
oi?ioee aeey ia/eneaiiy cao?ao ia ae?iaieoeoai, ui aeaaeooue
iaeneiaeueiee i?eaooie, aeey aeiaaee?a, eiee aeiaaeeiaee iiieo
i?aeeyaaoeia ??aiii??iiio oa ii?iaeueiiio caeiiai ?iciiae?e?a.
?icaeyiooi oaeiae aeiaaeie ianeiao?e/iiai ?iciiae?eo iiieoo.

?ICAe?E 5. EIIOeAIOOAEUeI? ? IAOAIAOE*I? INIIAE

I?AeO?EIEE I?EEIssOOss ??OAIUe C OI?AAE?IIss

?IAANOEOe?ssIE IA I?AeI?E?INOA?

O i’yoiio ?icae?e? ?icaeyaeathoueny eiioeaiooaeuei? ? iaoaiaoe/i?
iniiae i?aeo?eiee i?eeiyooy ??oaiue c oi?aae?iiy ?iaanoeoe?yie.
Iiaea?oueny eeaneo?eaoe?y ?iaanoeoe?e ca ??cieie iciaeaie: ia’?eoaie
aeeaaeaiiy, oa?i?iaie ?iaanooaaiiy, ?aa?iiaeueieie iciaeaie oiui.
Aeine?aeaeo?oueny oa aiae?co?oueny iiaeeea?noue canoinoaaiiy oai???
ia/?oeeo iiiaeei aeey ioe?ithaaiiy aeueoa?iaoeaieo ?iaanoeoe?eieo
i?iaeo?a. Canoinoaaiiy aeaiiai i?aeoiaeo iia’ycaia ?c ae??oaiiyi ?yaeo
i?iaeai i?eeeaaeiiai oa?aeoa?o. Iiaoaeiaa iiaeaeae i?eeiyooy o?iainiaeo
??oaiue ia iniia? iiiyoue ia/?oei? iiiaeeie ia?aaeaa/a? aeai?eoi?/iee
iien an?o i?ioean?a o oeeo iiaeaeyo. O ca’yceo c oeei aeieea? caaea/a
noai?aiiy iaoaiaoe/iiai caaacia/aiiy aeeiiaiiy ia/?oeeo aeai?eoi?a ia
AII. Aea/aiiy oa aiae?c e?oa?aoo?ieo aeaea?ae iieaco?, ui c aeaii?
i?iaeaiaoeee i?iaiaeyoueny aeine?aeaeaiiy ? io?eiaii ?acoeueoaoe c
i?ia?aiii? ?aae?caoe?? ia/?oeeo aeai?eoi?a.

Aeine?aeaeothoueny oaeiae caaea/?, iia’ycai? ?c ii?ooaeueieie
?iaanoeoe?yie.

:

, (10)

;

-ai aeoeao;

-e aeoea.

):

. (11)

Iaoiaeaie iaoaiaoe/iiai aiae?co io?eiaia ooieoe?y aeine?aeaeo?oueny ia
iaeneioi.

oa i?e ni?aa?aeiioaii?

, yea iaenei?co? aeio?aei?noue ii?ooaey:

. (12)

Aeine?aeaeothoueny oaeiae aeiaaeee iaioeueiaeo ei?aeyoe?eieo
ni?aa?aeiioaiue i?ae aeio?aeiinoyie oa aeenia?n?yie aeoea?a.

Iaa?oioiaaii, ui aeey i?eeiyooy ?iaanoeoe?eieo ??oaiue aeioe?eueii
aeei?enoiaoaaoe III Microsoft Office 97 (Word 97, Exnel 97, Access 97)
aeey Windows 95-98/NT oa oaoiieia?th ActiveX (OLE), ine?eueee aiie
iathoue oe?ieee iaa?? noaiaea?oieo iaoaiaoe/ieo, noaoenoe/ieo oa
o?iainiaeo ooieoe?e c iaeiiai aieo, ? aoaeoeaiee ?ioa?oaen SYMBOL 190 \f
“Symbol” \s 10 c ?ioiai.

?ICAe?E 6. ?IOI?IAOe?EIA OA I?IA?AIIA CAAACIA*AIIss

NIIO?

O oinoiio ?icae?e? ?icaeyiooa i?iaeaiaoeea ?ic?iaee ?ioi?iaoe?eiiai oa
i?ia?aiiiai caaacia/aiiy NIIO?.

Aeey oiia noai?aiiy oa aeei?enoaiiy NIIO? ?nio? iaiao?aei?noue aeinooio
aei ?ioi?iaoe?? c oe?oiai ae?aiaciio aeaea?ae: ?ioi?iaoe?y caeiiiaeaa/eo
i?aai?a oa o?iainiaeo ?inoeooo?a, aeaieo nenoai aaoiiaoeciaaiiai
i?iaeooaaiiy ae?ia?a ? oaoiieia?e, aaoiiaoeciaaiiai ae?iaieoeoaa, a
oaeiae ?ioeo aeaea?ae ?ioi?iaoe??, iaiao?aeieo aeey i?eeiyooy o?iainiaeo
??oaiue. O i?ioean? ?ic?iaee ?ioi?iaoe?eiiai caaacia/aiiy NIIO?
iaiao?aeii nie?aoenue ia no?oeoo?o o?iainiaiai iaoai?cio i?aei?e?inoaa
(o??ie): o?iainia? iaoiaee; o?iainia? aaaeae?; i?aaiaa oa ii?iaoeaia
caaacia/aiiy. No?oeoo?io noaio o?iainiaiai iaoai?cio i?aei?e?inoaa
(o??ie, eiiiai??) iiaeaii ia ?en.2. o?oeoo?io noaio aca?iica’yceo
ia’?eoa oi?aae?iiy, ?ioi?iaoe?eii? nenoaie ? NIIO?, yea a?aeia?aaea?
aca?iiae?th ea?oth/i? nenoaie (i?ioean?a i?eeiyooy ??oaiue) c ea?iaaiith
nenoaiith (i?ioeanaie ae?yeueiino?) /a?ac ?ioi?iaoe?eio nenoaio, iiaeaii
ia ?en.3.

Aoaeue-yea NII? o nai?io neeaae? ia? AAe ? NOAAe. I?eoaiaiiee
oaoiieia?? NII? aeoeaio ia ia?iaeo neaaino?oeoo?iaaieo ?
iano?oeoo?iaaieo caaea/ coiiaeth? aeaye? niaoeeo?/i? aeiiae aei oeeo
aeaiaio?a eiii’thoa?ii? nenoaie. ?niothoue aeanyoee aioiaeo i?ia?aiieo
nenoai aeey ?aae?caoe?? eiiiiiaioe NOAAe a nenoaiao i?aeo?eiee i?eeiyooy
??oaiue. A?aoiaoth/e niaoeeo?/i? iniaeeaino? oa aeiiae aei oeeo
i?ia?aiieo i?iaeoeo?a, a oaeiae cia/io ?oith aa?o?noue, iiaeia i?eeoe
aei aeniiaeo, ui aea?? eiie?aoii? NOAAe ia ? o?ea?aeueiei aeey NIIO? ?
caneoaiao? oaaae. Oiio ? iaiao?aei?noue noai?aiiy iniiae eiiieaenii?
ioe?iee i?ia?aiiiai caaacia/aiiy NOAAe ye iaoai?cio aeey no?oeoo?oaaiiy
i?ioeano ii??aiyiiy ? aeai?o ??ciiiai?oieo aeueoa?iaoeaieo NOAAe ii
anueiio niaeo?o aia?aoii? aace. Iaea?aeii?oei aa??aioii ??oaiiy oe???
i?iaeaie ? noaia Caoaae?. Ii??aithth/e iaeiioe?ai?o? oa aeinooii? NOAAe
aeey IAII n?iaenoa: dBase, Paradox, Fox Pro, Btrive, Access iiaeia
c?iaeoe aeniiaie, ui Access 97 ia? iaeaeuee ??aaiue ioe?iie aeey
canoinoaaiiy a NIIO?.

Aaea noaei oaeoii c?inoath/a ona?aeiieaiiy aaaeeeaino? ?ie? iiaeaeae ye
noaa?eueieo nooiinoae a oi?aae?inueeeo nenoaiao o na?aaeiaeu? i?aeo?eiee
i?eeiyooy ??oaiue, ye? eieaeoeaii aeei?enoiaothoueny. Caaithaaea
aeciaiiy aeoiea, ui naia iiaeae? aecia/athoue a?aeiioaiiy i?ae aeaieie ?
ui nooi aaciaeaiee i?aeo?ae aei i?iaeooaaiiy nenoai i?ecaiaeeoue aei
iaoooaaiiy ca’yce?a, ye? a?aeiia?aeathoue iiaeaeyi, i?ioeaaeo?ai ?
i?aaeiaoiei ciaiiyi o na?aaeiaeu? ?ica’ycoaaieo caaea/. Oiio
niinoa??aa?oueny i?a?aoe?y a?ae i?aeoiaeo aeaieo aei

i?aeoiaeo iiaeaeae, ui noathoue aeaea?aeii oaa?aeaeaiue ? ia?aaeoiia ye
iniiae ona?aeiieaiiy noo? ?ioi?iaoe?eieo a?aeiioaiue.

Nenoaia oi?aae?iiy iiaeaeyie ? iaei??th c eiiiiiaio a?o?oaeoo?e NIIO?.
Ooieoe?? oe??? eiiiiiaioe aiaeia?/i? ooieoe?yi NOAAe. Ioaea, nenoaio aac
aeaieo ? aac iiaeaeae iaiao?aeii ?icaeyaeaoe ?ioaa?iaaii. Ia ?en.4
iaaaaeaii no?oeoo?io noaio oi?aae?iiy iiaeaeyie ? aeaieie, yea ioiieth?
aaaeeea? aeaiaioe: aaco iiaeaeae (iiaeae?, aeai?eoie, i?ioeaaeo?e),
NOAI; aaco aeaieo

(aeai?, i?aaeiaoi? ciaiiy), NOAAe oa oi?aae?iiy ae?aeiaii ye iniiaio
/anoeio ei?enooaaoeueeiai ?ioa?oaeno.

Cia/ia /anoeia i?ia?aiiiai caaacia/aiiy IAII ia? oi?iao aeaeo?iiieo
oaaeeoeue, cie?aia, a?aeiia?aei? aa?n?? iaeao?a Super Calc, Quattro Pro,
MS Works, LOTUS, Excel. I?aeoe/ii an? aeaeo?iii? oaaeeoe? iathoue
?icaeioo?

caniae aeey iaoaiaoe/ieo iia?aoe?e iaae ??cieie aeaiaioaie aeaieo ?
iiaeaeae oa caaacia/othoue aeinooi aei a?ae?ioaee iaoaiaoe/ieo ooieoe?e.

Ioaea, i?aeoe/io ?ic?iaeo AI no/anieie ?ino?oiaioaeueieie oa i?ia?aiieie
caniaaie aeey NIIO? iiaeia iiaeaoe o aeaeyae? no?oeoo?ii? noaie (?en.
5). sse aeaeii c ?en.5 i?e caien? a AI eiie?aoii? iaoaiaoe/ii? iiaeae?
iaiao?aei? ciai?oi? aeai?-ia?aiao?e. Oiio aea?aia noaia NOAI-AI iiaeiia
aeinoaoiuei aoaeoeaii caaacia/oaaoe iia?aoe?? aeiiiaiaiiy, ?aaeaaoaaiiy,
aeaeaeaiiy c AI ye aeaieo-ia?aiao??a oae ? iiaeaeae, yeei aiie
a?aeiia?aeathoue.

Iaoiaeeeo aiae?co i?ia?aiieo cania?a, ?o iiaeeeainoae, oi?iao?a
noai?aiiy oa caa??aaiiy iiaeaeae iiaeaii a oaae.1, a ye?e
aeey eiaeiiai c

e?eoa???a, ui ?icaeyaeathoueny, iaaaaeaii oiiai? ioe?ii/i? iaeeieoe?
(a?ae 1 aei 4, aea 1 SYMBOL 190 \f “Symbol” \s 10 iaeaeuee iieaciee, a
4 SYMBOL 190 \f “Symbol” \s 10 iaeieae/ee) ia?niaeoeaiino? canoinoaaiiy
i?ia?aiiiai caniao aeaiiai iai?yio. sseui oiiaii i?eionoeoe, ui an?
aaaia? eiao?oe??ioe aeey aea?aieo e?eoa???a iaeeiaeia?, oi aeaeii, ui
aeaeo?iii? oaaeeoe? (AO) ? iaei?eeiyoi?oeie aeey canoinoaaiiy ?o a
yeino? NOAI. I?e oeueiio caoaaaeeii, ui iaaeie?eii AO ? cia/i? aeo?aoe
/ano ia aeeiiaiiy neeaaeieo ia/eneaiue ? oiio iaaiee eean caaea/ aoaea
ae??ooaaoenue iaaeinoaoiuei aoaeoeaii. I?ioa, oey i?iaeaia ia?
ae??oaiiy, ine?eueee a?eueo?noue AO o nai?io neeaae? iathoue iiao
i?ia?aioaaiiy ye aeiiii?aeiee can?a ? oea aea? ciiao aoaeoeai?oa
ae??ooaaoe o? caaea/?, ye? iacaaeia?eueii ?aae?cothoueny a AO.

Ioaea, ia iniia? i?iaaaeaieo ioe?iie ca aeuacaaaeaieie e?eoa??yie 
(oaae.1) iiaeia c?iaeoe aeniiaie, ui AO aeathoue ciiao iaeaoaeoeai?oa
?aae?coaaoe NOAI aeey NIIO?.

Aaaeeeaa ?ieue o nenoai? oi?aae?iiy aeaieie ? iiaeaeyie a?aeaiaeeoueny
ei?enooaaoeueeiio ?ioa?oaeno c NOAAe ? NOAI. Iaoai?ci ?ioa?aeoeaii?
aca?iiae?? i?ae ei?enooaa/ai, NOAAe ? NOAI ?icaeyaea?oueny c oi/ee ci?o
ia’?aeiaiiy o?ueio oaeoi??a: iia no?oeoo?oaaiiy aeaieo, caieo?a aei aace
iiaeaeae ? i?ioeani??a caieo?a ia i?e?iaei?e iia?, cie?aia c
i???ioaoe??th ia aeei?enoaiiy eeth/iaeo ne?a i?ioeani?ii caieo?a aeey
NOAI, yeee ?ioaa?o? aeaye? oa?aeoa?enoeee oeeo eiiiiiaio.

Aeoiaey/e c aeuaneacaiiai oa aiae?co e?oa?aoo?ieo aeaea?ae ? i?aeoe/ieo
?ic?iaie c aeaii? i?iaeaiaoeee iiaeia c?iaeoe aeniiaie, ui aeinoaoiuei
aoaeoeaiei ?ino?oiaioaeueiei caniaii ?ioa?oaeno “ei?enooaa/-NIIO?” ?
Microsoft Office 97 aeey Windows 95-98.

I?iaaaeaii aeine?aeaeaiiy ?ic?iaee a?o?oaeoo?e aac aeaieo ? aac iiaeaeae
a NIIO?, aea ?icaeyaea?oueny o?e ??ai? aano?aeoe?? i?ae AII ? e?ioeaaeie
ei?enooaa/aie: ciai?oi?e, eiioeaiooaeueiee ? aioo??oi?e (?en.6).

Ciai?oi?e ??aaiue iaeaeeae/ee aei ei?enooaa/a, oiaoi iia’ycaiee c oei,
ye ie?ai? ei?enooaa/? oyaeythoue nia? aaco iiaeaeae ? aaco aeaieo.
Eiaeia ciai?oiy iiaeaeue aecia/a?oueny /a?ac ciai?oi? noaie, ye? a
iniiaiiio neeaaeathoueny c iieno an?o oei?a ?? ciai?oi?o caien?a. O
caaaeueiiio aeiaaeeo, a nenoai? iaeii/anii aoaeooue ni?a?nioaaoe aaaaoi
??cieo ciai?oi?o noai.

Eiioeaiooaeueiee ??aaiue ? “i?ii?aeiei ??aiai” i?ae ciai?oi?i ?
aioo??oi?i. Eiioeaiooaeueia iiaeaeue ? iiaeaiiyi iiaiiai ?ioi?iaoe?eiiai
ci?noo AAe oa AI a aeaui aano?aeoi?e oi?i? ii??aiyii c niiniaii
o?ce/iiai caa??aaiiy aeaieo ? iiaeaeae. Oea iiaeaiiy iiaea iiai?noth
a?ae??ciyoeny a?ae iiaeaiiy aeaieo ? iiaeaeae ie?aiei ei?enooaa/ai.
Eiioeaiooaeueia iiaeaeue neeaaea?oueny c aaaaoueio aecaiiey??a ??cieo
oei?a eiioeaiooaeueieo caien?a.

Eiioeaiooaeueiee caien ia iiaeiai aooe oaeei, ye ciai?oi?e caien aai
caien, yeee caa??aa?oueny. Eiioeaiooaeueia iiaeaeue aecia/a?oueny /a?ac
eiioeaiooaeueio noaio, yea i?noeoue aecia/aiiy eiaeiiai oeio
eiioeaiooaeueieo

caien?a. Aeey aeinyaiaiiy iacaeaaeiino? aeaieo, iiaeaeae ia iiaeiia
aoaeue-yeei /eiii a?aoiaoaaoeny no?oeoo?a caa??aaiiy aai no?aoaa?y
aeinooio, a o?eueee ?ioi?iaoe?eiee ci?no. Ioaea, eiioeaiooaeueia
iiaeaeue ? iiaeaiiyi caaaeueiiai ci?noo AAe, AI, a eiioeaiooaeueia noaia
SYMBOL 190 \f “Symbol” \s 10 aecia/aiiy oeueiai iiaeaiiy.

O?ao?i ??aiai a?o?oaeoo?e nenoaie aac iiaeaeae ? aac aeaieo ?
aioo??oi?e ??aaiue. Aioo??oiy iiaeaeue AAe ? AI neeaaea?oueny c ??cieo
aecaiiey??a oei?a caien?a, ye? caa??aathoueny. Ioaea, aioo??oiy iiaeaeue
? ua iaeiei e?ieii o a?e a?ae o?ce/iiai ??aiy, ine?eueee aiia ia
aoaeo?oueny oa?i?iaie o?ce/ieo caien?a aai aeie?a. Aioo??oiy iiaeaeue
iieno?oueny /a?ac aioo??oi? noaie, ye? ia eeoa aecia/athoue ??ci?
oeie caien?a, ui caa??aathoueny, a e oa, yea o?ce/ia iine?aeiai?noue
caien?a, ye? ?iaeaene ?niothoue, ye caaeaii iiey, ui caa??aathoueny.

A?o?oaeoo?a nenoaie AAe ? AI i?noeoue aeaa ??ai? a?aeia?aaeaiiy: iaeei
SYMBOL 190 \f “Symbol” \s 10 i?ae ciai?oi?i ? eiioeaiooaeueiei ??aiyie
nenoaie ? ae?oaee SYMBOL 190 \f “Symbol” \s 10 i?ae eiioeaiooaeueiei ?
aioo??oi?i ??aiyie.

97; oaoiieia?? Active X ? OLE, ye? ? aoaeoeaieie aeey ?ica’ycaiiy
caaea/ ia?iaee aeaieo, iioei?caoe?? ? ieaioaaiiy, iaea?aeaiiy
i?ioan?eieo ca?o?a, ?ic?iaee oa noi?iaiaeo o?iainiaeo iiaeaeae ? aac
aeaieo.

Ine?eueee NIIO? neeaaea?oueny c o?ueio eiioeaiooaeueieo eiiiiiaio: AAe,
NOAAe; AI, NOAI; ?ioa?oaeno ei?enooaa/a, ? ca oiiae, ui aaca iiaeaeae
?aae?co?oueny ca aeiiiiiaith Excel 97 aeey i?aai?caoe?? AAe, aeioe?eueii
aeei?enoaoe nenoaio i?iaeooaaiiy oa noi?iaiaeo aac aeaieo Access 97,
ine?eueee aiia ia? iaae?ei? oa aio/e? ooieoe?iiaeuei? ca’ycee c? an?ia
i?ia?aiaie MS Office 97 oa ?ioeie Windows-aeiaeaoeaie.

I?e i?iaeooaaii? oa ?ic?iaoe? i?ia?aiiiai caaacia/aiiy iio??aii
i?iaiaeeoe cia/io ?iaioo ii noai?aiith ae?aiieo oi?i, caieo?a oa ca?o?a,
ye? caaacia/othoue aoaeoeaio ?iaioo ei?enooaa/a c NIIO?. Aeey
aaoiiaoecaoe?? oaeeo i?ioean?a aei neeaaeo MS Access 97 aeeth/aii ?yae
niaoe?aeueieo i?ia?ai (Builders, Designs, Wizard’S), ui ?ica’ycothoue
oe? caaea/? aac aaeeeeo coneeue c aieo ei?enooaa/a ? aeathoue eiio ciiao
iiaeeo?eoaaoe caieoe, ca?oe, oi?ie ia aeaniee ?icnoae oa eiiaa?ooaaoe ?o
a Excel-oaaeeoeth /e o a?ao?/iee ia’?eo o aoaeue-yeee iiiaio ?iaioe
nenoaie.

Iio??aii a?aei?oeoe, ui iayai?noue cania?a aeaii? NOAAe aeey ?iaioe c
?ioeie ?nioth/eie AAe ??cieo oi?iao?a aea? ciiao aaciina?aaeiuei
caa?oaoenue aei aac aeaieo dBASE, Paradox /e Batrieve aac eiiaa?ooaaiiy
?o o oi?iao MS Access 97 ? ? iaiao?aeiith oiiaith ooieoe?iioaaiiy NIIO?
c iaeyaeo ia ?oith iio?aao a ?ioi?iaoe??, yea iiaea caa??aaoenue o AAe
??cieo oi?iao?a. Aeooaeueiith ? iiaeeea?noue canoinoaaiiy MS Access 97
ye iaieiiee aeey oi?aae?iiy aeaieie ?ioeo oi?iao?a aac aeaieo oa aeey
ca’yceo oeeo aeaieo c Access. Access 97 ia? aoaeoeaiee aeinooi aei
aeaieo o ??cieo oi?iaoao oa aenieo i?iaeoeoeai?noue i?e ?iaio? c
?ioi?iaoe?eieie ?ano?naie ia?aae? ca ?aooiie ?ioaa?aoe?? Access 97 c
Briefcase for Windows 95-98.

Aeine?aeaeaii iiaeeeaino? MS Excel 97 aeey ?ic?iaee aac iiaeaeae o
eiioeaioe?? noai?aiiy oa ooieoe?iioaaiiy NIIO?. MS Excel 97 ioiieth?
aeiaeaoeia? ?icoe?ai? ooieoe?? ii??aiyii c iiia?aaei?ie aa?n?yie oa
ioiieth? caniae aiae?co, ui ? aeooaeueiei i?e noai?aii? NIIO?, aaeaea
aiie iiaeooue aeei?enoiaoaaoeny aeey ia?iaee aeaieo, iioei?caoe??,
aiae?co o?iainiaeo ?acoeueoao?a ? noai?aiiy oi?iaoiaaieo ca?o?a.

Ua iaei??th aoaeoeaiith i?ia?aiith aeey noai?aiiy NIIO? ia aac?
Microsoft Office ? Microsoft Query, yea i?aoeth? c aacaie aeaieo
iaeiioe?ai?oeo oi?iao?a, noai?aieie ??cieie i?ia?aiaie ? caaacia/o?
iia?euei?noue ? oi?aa?naeuei?noue iai?io aeaieie i?ae on?ia eiiiiiaioaie
NIIO?.

Uieii aeacai? i?ia?aii? i?iaeoeoe aacothoueny ia oaoiieia?? ActiveX
(OLE). Aeaia oaoiieia?y aeei?enoiao?oueny ye aoaeoeaiee can?a noai?aiiy
a?eueo aeineiiaeeo i?ia?ai ? aaco?oueny ia iiaeae? aaaaoieiiiiiaioieo
ia’?eo?a SYMBOL 190 \f “Symbol” \s 10 Component Object Model (COM).
NII ? caaaeueiith ia?aaeeaiith aca?iiae?e i?ia?ai aoaeue-yeeo
oei?a: a?ae?ioae, i?ia?ai, nenoaiiiai i?ia?aiiiai caaacia/aiiy oiui. O
Distributed COM ?aae?ciaaii nenoaio ?iciiae?eo aeinooio aei
NII-ia’?eo?a.

ActiveX (OLE) aea? ciiao ca’ycoaaoe ia’?eoe a iaaeao iaeiiai aeieoiaioa
(eiioaeia?a), ae??oo? ieoaiiy aoaeoeaiiai i?ia?aioaaiiy ? aea? ciiao
oaeaeei noai?thaaoe ye?ni? i?ia?aie, ui aeei?enoiaothoue ?ai?oa noai?ai?
eiiiiiaioe. Ioaea, Microsoft Office 97 oa oaoiieia?? ActiveX (OLE) o
i?ioean? ?iaioe aeathoue ciiao ?ioaa?oaaoe NOAAe MS Access 97 c MS Excel
97 oa MS Word 97 a iaeio ?iai/o i?ia?aio. Ceeooy MS Word 97 c MS Access
97 ? MS Excel 97 aea? ciiao ?ici?uoaaoe a aeieoiaio? Word ?ioi?iaoe?th c
Access, Excel ? cae?enithaaoe iia?aoe?th “ioae?eaoe?y a MS Word”.

Cai?iiiiiaaii ?aae?caoe?th NIIO? oa ?? iniiaieo ooieoe?e o eiioaeno?
oiai, ye nenoaia aoaea caaacia/oaaoe ae??oaiiy iinoaaeaieo aeiia uiaei
i?eeiyooy o?iainiaeo ??oaiue. I?iaiae?coaaaoe ?yae aeueoa?iaoeaieo
aa??aio?a aeey i?aaenoaaeaiiy no?oeoo?iaaii? aeiiii?/ii? ?ioi?iaoe??,
cai?iiiiiaaii aeai?-aeaiaioe aace iiaeaeae i?aaenoaaeoe a oi?iao?
a?ia?oaenoiaiai HTML-aeieoiaioa, yeee ?nio? a?aeiinii iacaeaaeii a?ae
iia?aoe?eii? nenoaie oa aea? ciiao i?aaenoaaeyoe i?aeoe/ii iienai?
iiaeae? aeaieo. Ioaea, caaacia/othoueny aeiiae uiaei aia?aoieo oa
i?ia?aiieo cania?a, i?aaenoaaeaiiy iiaeaeae aeaieo, iiaeeeaino? aianaiiy
ci?i oa aeiiiaiaiue aei aace iiaeaeae, iiaeeeaino? i?aai?caoe?? nenoaie
a ???a?o?/io no?oeoo?o oa iiaeeeai? ?ioaa?aoe?? c ?ioeie i?ia?aiieie
nenoaiaie. A yeino? i?ia?aiii? iaieiiee iiaeia aeei?enoaoe aoaeue-yeee
a?aeiiee WEB-browser. Aeey ?aae?caoe?? nenoaie, yea ?icaeyaea?oueny,
aeei?enoaii Microsoft Internet Explorer v2.0 for Windows. Oea aea? ciiao
aeei?enoiaoaaoe aeia?a ?icaeiooee ?ioa?oaen ei?enooaa/a aeey ?iaioe c
nenoaiith, i?aaenoaaeoe aaco iiaeaeae aeey noi?niiai aeei?enoaiiy a
Internet aai Intranet, ui caaacia/eoue aeinooi aei aeacaii? ?ioi?iaoe??
oe?ie?e aoaeeoi???.

Cai?iiiiiaaia ??oaiiy ?ic?iaee nenoaie a?aeiia?aea? iinoaaeaiei aeiiaai
uiaei ?ic?iaee NIIO? oa caaacia/o? aeineoue o?eaaeee aeeoo?aee oeeee c
iaeyaeo ia no??ieee ?icaeoie WWW-oaoiieia?e.

Ia ?en. 7 iaaaaeaii no?oeoo?io noaio i?ia?aiii? ?aae?caoe?? NIIO?.

Aeoiaey/e ?c neacaiiai, iiaeia c?iaeoe aeniiaee, ui ?ioaa?iaaiee
i?ia?aiiee iaeao Microsoft Office 97 a ii?aeiaii? c WWW-oaoiieia?yie ?
aoaeoeaiei caniaii aeey i?iaeooaaiiy, ?ic?iaee oa ai?iaaaeaeaiiy
?ioi?iaoe?eiiai, iaoaiaoe/iiai ? i?ia?aiiiai caaacia/aiiy nenoai
i?aeo?eiee i?eeiyooy o?iainiaeo ??oaiue.

AENIIAEE

O aeniiaeao iaaiaeyoueny i?aenoiee i?iaaaeaieo o aeena?oaoe??
aeine?aeaeaiue, oa?aeoa?ecothoueny iniiai? oai?aoe/i?, iaoiaeieia?/i? ?
i?eeeaaei? ?acoeueoaoe, ie?aneththoueny iai?yiee iiaeaeueoeo
aeine?aeaeaiue.

A?aeiia?aeii aei oe?eae ? caaea/ aeena?oaoe?eiiai aeine?aeaeaiiy
io?eiaii oae? ?acoeueoaoe:

?ic?iaeaii eiioeaiooaeueii-iaoiaeieia?/i? iniiae noai?aiiy NIIO? ia
i?e?i??ai? a oiiaao oi?ioaaiiy ?eieiai? nenoaie;

cai?iiiiiaaii i?aai?caoe?eii-oaoiieia?/i? i?aeoiaee uiaei i?iaeooaaiiy,
?ic?iaee oa ai?iaaaeaeaiiy NIIO? ia i?aei?e?inoa?, ?ic?iaeaii no?oeoo?io
iiaeaeue NIIO?;

?ic?iaeaii iaoiaeieia?/i? iniiae oa iaoaiaoe/i? iiaeae? i?eeiyooy
?eceeiaaieo o?iainiaeo ??oaiue o NIIO?: i?iaaaeaii aeine?aeaeaiiy
iiaoaeiae ooieoe?? aea?aeiino? aeey iino?eii? oa iae?i?eii? ci?ie i??e
noeeueiino? ? ianoeeueiino? aei ?eceeo; cai?iiiiiaaii iaoiaeeeo
canoinoaaiiy ooieoe?? aea?aeiino? a iiaeae? iioeiaeueiiai no?aooaaiiy;

?ic?iaeaii iaoiaeieia?th iiaeaethaaiiy i?eeiyooy ?eceeiaaieo o?iainiaeo
??oaiue a oiiaao iaaecia/aiino? oa i?iaaaeaii aeine?aeaeaiiy
aeei?enoaiiy i?eioeeio A?aana-Aeaeaeina aeey i?eeiyooy ?eceeiaaieo
o?iainiaeo ??oaiue;

?ic?iaeaii iaoiaeeeo iiaeaethaaiiy oa aiae?co e?eoa???a ioe?ithaaiiy
?iaanoeoe?eieo i?iaeo?a;

iiaoaeiaaii iiaeaeue iioeiaeueiiai ?iaanoeoe?eiiai ii?ooaey i?e
caaeaiiio ??ai? aeio?aeiino? ? i?i?iaeueiiio ?eceeo;

noi?ioeueiaaii oa ?ica’ycaii caaea/o iaenei?caoe?? niiae?aaii?
aeio?aeiino? ?iaanoeoe?eiiai ii?ooaey i?e caaeaiiio ??ai? ?eceeo;

cai?iiiiiaaii iaoiaeeeo ?ic?iaee ?ioi?iaoe?eiiai, iaoaiaoe/iiai oa
i?ia?aiiiai caaacia/aiiy NIIO? ia i?aei?e?inoa?.

?acoeueoaoe aeena?oaoe?eieo aeine?aeaeaiue ai?iaaaeaeai? ia ?yae?
i?aei?e?inoa, o??i, eiiiai?e oa aeueo iaa/aeueieo caeeaae?a Oe?a?ie oa
?in??.

Iniiai? iieiaeaiiy aeena?oaoe?? aeeeaaeai? a oaeeo ?iaioao.

Ieaenthe I.N. Nenoaie i?aeo?eiee i?eeiyooy o?iainiaeo ??oaiue ia
i?e?i??ai?. /Iaoeiaa aeaeaiiy. Ee?a: Iaoeiaa aeoiea, 1998. – 507n. –
/31,75 oi. ae?oe. a?e./

2. Ieaenthe I. N. Iiaeaethaaiiy i?eeiyooy ?eceeiaaieo
o?iainiaeo

??oaiue. [Iiiia?ao?y] E.: Aeua oeiea, 1998. – 312n. –/19.3 oi. ae?oe.
a?e. /

Nenoaie i?aeo?eiee i?eeiyooy ??oaiue. / Neoiee A.O., Ieaenthe I.N. oa
?i. – E.: Oaoi?ea, 1995. – 162n. /Aeena?oaioo iaeaaeeoue: ?icae?e 2
”I?aai?caoe?eii-oaoiieia?/i? iniiae i?eeiyooy ??oaiue”, §3.3.
“Eeaneo?eaoe?y NII?”, §3.4.”Iiaeae? NII?”, §3.5.“Oeiee” noai?aiiy NII?”;
?icae?e 4 “A?o?oaeoo?a nenoai i?aeo?eiee i?eeiyooy ??oaiue”, §4.1.
“Eiiiiiaioe NII?”; ?icae?e 5 “Iiaoaeiaa ? ai?iaaaeaeaiiy NII?” ,
§5.1.”Eiioeaiooaeuei? iniiae ?ic?iaee NII?”, §5.2.”Caaaeueia noaia ?
iaoiaeieia?y noai?aiiy NII?”.– 4.3 oi. ae?oe. a?e. /

Eiiiuethoa?ecaoeey eioi?iaoeeiiiuo i?ioeannia ia i?iiuoeaiiuo
i?aaei?eyoeyo. / Nuoiee A.O., O?aaainueee E., Ieaenthe A.N. e ae?. – E.:
Oaoieea; Eaoiaeoea: Aeiiii. aeaaeaiey ei. Ea?iea Aaeaiaoeeiai, 1991. –
215n. /Aeena?oaioo iaeaaeeoue: ?icae?e 3.6. “A?I
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iaith nenoaie IIIN, yea aeeth/a?: “Iniiaiua aeaiua”, “Iiaenenoaia
oi?aaeaiey iniiaiuie aeaiiuie”, “I?iecaiaenoai”, “Iiaenenoaia oi?aaeaiey
i?iecaiaenoaii”. – 1,1 oi. ae?oe. a?e. /.

Ieaenthe A.N., ?eiia N.I. I?aaiecaoeey ?aoaiey aiaeeoe/aneeo caaea/
n?aaenoaaie NOAAe. Iaoei. ia-ea eio-oeee, aui. 43: ?ani. iaaeaaae.
iao/i. nai?iee. E.: “Aeua oeiea”, 1987 n. 31-37. /Aeena?oaioii
i?aeaioiaeaii: ”?ac?aaioea iiaeaee aeaiiuo aiaeeoe/aneeo caaea/” – 0,29
oi. ae?oe. a?e./

?aai/ay i?ia?aiia, caaeaiey e iaoiaee/aneea oeacaiey e eco/aieth
aeenoeeieeiu “Aaoiiaoece?iaaiiua nenoaiu ia?aaioee aeiiiie/aneie
eioi?iaoeee” e auiieiaieth eiio?ieueiie ?aaiou /N.I. ?eiia, A.N.
Ieaenthe e ae?. – Oa?iiiieue.:OOYE, 1987.– 44n. /Aeena?oaioo iaeaaeeoue:
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?aaiou”. – 0,35 oi. ae?oe. a?e. /

Iaoiaee/aneea oeacaiey “Caaeaiey e i?aeoe/aneei caiyoeyi ii eo?no
“Aaoiiaoece?iaaiiua nenoaiu ia?aaioee yeiiiie/aneie eioi?iaoeee” /N.I.
?eiia, A. N. Ieaenthe e ae?.– Oa?iiiieue: OOYE, 1987. – 44n.
/Aeena?oaioo iaeaaeeoue: “Eioi?iaoeeiiiia iaania/aiea”, ”Iaoaiaoe/aneia
e i?ia?aiiiia iaania/aiea”. –0,4 oi. ae?oe. a?e./

Ieaenthe A.N., Iao?eoei E.A., ?eiia I.A., Oeiea?aiei E.A. I?aaiecaoeey
eioi?iaoeeiiiie aacu aeai?eoie/aneeo cai?inia e aacu ciaiee aeey
yeiiiie/aneeo i?aaeiaoiuo iaeanoae. /Eioi?iaoeeiiiua oaoiieiaee
oi?aaeaiey. Na. iao/i. o?oaeia. E.: OIAEI, 1989. – n. 60 – 67.
/Aeena?oaioii i?aeaioiaeaii: “I?aaiecaoeey eioi?iaoeeiiiuo e
aeai?eoie/aneeo cai?inia n?aaenoaaie anoanoaaiiiai ycuea”; “Oi?ie?iaaiea
neiaa?y yeiiiie/aneie i?aaeiaoiie iaeanoe.” – 0,2 oi. ae?oe. a?e./

Caaeaiey e iaoiaee/aneea oeacaiey aeey naiinoiyoaeueiie ?aaiou ii
eco/aieth aeenoeeieeiu “Aoiiaoece?iaaiua nenoaiu ia?aaioee yeiiiie/aneie
eioi?iaoeee”. /Ieaenthe A.N., ?eiia N.I. e ae?. – OOYE, AII,
“Oe?aociieea?ao”, E.: 1989. – 108n. /Aeena?oaioii i?aeaioiaeaii: 3.1.
No?oeoo?a i?iaeoa ii iinoaiiaea, i?ia?aiie?iaaieth e ?aoaieth caaea/ ia
YAI. 3.2. Iinoaiiaea caaea/e “O/?o i?eoiaea iaoa?eaeia ia neeaae”. 3.4.
Oaoiieiae/aneee iioeann ?aoaiey caaea/. – 1,8 oi. ae?oe. a?e./

Iaoiaee/aneea oeacaiey ii ia?aaioea yeiiiie/aneie eioi?iaoeee iaeaoii
i?eeeaaeiuo i?ia?aii LOTUS. /?eiia N.I., Ieaenthe A.N. e ae?. –OOYE,
?AII, Oe?aociieea?ao”, E.:1990. – 44n. /Aeena?oaioii i?aeaioiaeaii:
1.Caaea/a “O/?o o?oaea e ca?iaioiie ieaou”. 1.1.Iinoaiiaea caaea/e.
1.2.Aeai?eoi ?aoaiey caaea/e. – 0,9 oi. ae?oe. a?e./

Iaoiaee/i? aeac?aee aei aeei?enoaiiy oaenoiaiai ?aaeaeoi?a “EAENEEII”
/Ieaenthe I.N., Eiaaeue ?.I. –Oa?iii?eue, 1993. – 26n./Aeena?oaioo
iaeaaeeoue: ?icae?e 3 “Oaenoiaue ?aaeaeoi? “Eaeneeii”. – 1,2 oi. ae?oe.
a?e./

Ieaenthe A.N., ?eiia N.I. Aaoiiaoecaoeey oi?aaeai/aneie aeayoaeueiinoe
i?iiuoeaiiuo i?aaei?eyoee ia aaca ia?aiiniuo YAI. A?ioth?a. E.: Iauanoai
”Ciaiea” Oe?aeiu, 1991. – 15n. /Aeena?oaioii i?aeaioiaeaii oae?
ia?aa?aoe: ”Iniiaiua aeaiiua; “Neeaaeu”; “I?iecaiaenoai” –0,6 oi.
ae?oe. a?e./

Iaoiaee/i? aeac?aee aei aeei?enoaiiy eiiaiae iia?aoe?eii? nenoaie MS-DOS
aeey nooaeaio?a on?o niaoe?aeueiinoae oa neooa/?a oaeoeueoao?a
i?aeaeuaiiy eaae?o?eaoe?? /I.N. Ieaenthe, ?.I. Aiaia, A.I. Ieaeei.
Oa?iii?eue, O?IA, 1993. –36 n. /Aeena?oaioo iaeaaeeoue: 3. ”Oaeeiaa
nenoaia IS-DOS”; “Aeei?enoaiiy eiiaiae ? i?ia?ai MS-DOS”. –1,2 oi.
ae?oe. a?e./

Ieaenthe I.N. Canoinoaaiiy ooieoe?? aea?aeiino? a iiaeae? iioeiaeueiiai
no?aooaaiiy ?eceeo ca oiia ?ioaa?aoe?? ia i?e?i??ai?. Oa?iii?eue, OAIA,
“A?niee OAIA”, ?1, 1997. – n.74-77. /0,3 oi. ae?oe. a?e./

Ieaenthe I.N. Aea?? no?aoaa?? aeeaa?neo?eaoe?? a NII?. Oa?iii?eue, OAIA,
“A?niee OAIA”, ?2, 1997. – n.58-63. /0,4 oi. ae?oe. a?e. /

Ieaenthe I.N. No/aniee noai eiii’thoa?ecaoe?? oi?aae?iiy o?iainaie
i?aei?e?inoa: aiae?c ? ia?niaeoeae. Ca??iee iaoeiaeo i?aoeue “Oi?ioaaiiy
aeiiii?/ieo a?aeiinei a oiiaao ?eieo”, Oa?iii?eue, OAIA, aei.1, 1997. –
n.13-19. /0,3 oi. ae?oe. a?e./

Ieaenthe I.N. Iaoaiaoe/ia caaacia/aiiy ?ic?aooie?a eiao?oe??io?a ioe?iee
o?iainiaiai noaio i?aei?e?inoaa. Ca??iee iaoeiaeo i?aoeue “Oi?ioaaiiy
aeiiii?/ieo a?aeiinei a oiiaao ?eieo”, Oa?iii?eue, OAIA, aei.1, 1997. –
n.94-100. /0,4 oi. ae?oe. a?e.//

Ieaenthe I.N. Oai?aoeei-eiioeaiooaeuei? iniiae aeai?o ? canoinoaaiiy
ooieoe?? aea?aeiino? a NII? / I?aea?aeii/ee iaoeiaee ca??iee “Iaoeiia
ia?iaea ?ioi?iaoe??” ?60. Ee?a, EIAO, 1997. – n.129-137. /0,7 oi. ae?oe.
a?e./

Ieaenthe I.N. Aae?n?anueeee i?aeo?ae o i?eeiyoo? ?eceeiaaieo o?iainiaeo
??oaiue. Oa?iii?eue, OAIA, Ca??iee iaoeiaeo i?aoeue, “Oi?ioaaiiy
aeiiii?/ieo a?aeiinei a oiiaao ?eieo”, aei. 2. 1997. – n.185-186. /0,1
oi. ae?oe. a?e./

Ieaenthe I.N. ?ioi?iaoe?ei? iniiae oa iiaeaethaaiiy o?iainiaeo
?ic?aooie?a a NII? / I?aea?aeii/ee iaoeiaee ca??iee “Iaoeiia ia?iaea
?ioi?iaoe??” ?61. Ee?a, EIAO, 1997. – n.3-15. /0,9 oi. ae?oe. a?e./

Ieaenthe I.N. Oi?aae?iiy a?ioiaei ia?aii ia i?aei?e?inoa?. Oa?iii?eue,
“A?niee OAIA”, Niaoe?aeueiee aeione ?5, 1998. – n.130-138. /0,6 oi.
ae?oe. a?e./

Ieaenthe I.N. Iiaeaethaaiiy oi?aae?iiy a?ioiaei ia?aii ia iia?aoe?eiiio
??ai? oi?aae?iiy. Ca??iee oac aeiiia?aeae iaoeiai-i?aeoe/ii?
eiioa?aioe?? “Aaie?anueea nenoaia Oe?a?ie: i?iaeaie noaiiaeaiiy oa
ia?niaeoeae ?icaeoeo”. Oa?iii?eue, “Aeiiii?/ia aeoiea”, 1998. – n.82-84.
/0,2 oi. ae?oe. a?e. /

Ieaenthe I.N. Aeaye? aniaeoe ioe?iee ?ioaeaeooaeueii? aeaniino? ?
iiaeaoeiaa iie?oeea / Ca iaoa??aeaie o?aouei? i?aeia?iaeii? iaoeiai?
eiioa?aioe?? “I?iaeaie aeiiii?/ii? ?ioaa?aoe?? Oe?a?ie a ?a?iiaenueeee
Nithc: ?aa?iiaeuei? nioe?aeueii-aeiiii?/i? aniaeoe.” Oa?iii?eue, A?niee
OAIA. Niaoe?aeueiee aeione ?6, 1998. – n.54-56. /0,2 oi. ae?oe. a?e. /

Ieaenthe I.N. Iiaoaeiaa ooieoe?? aea?aeiino? aeey iino?eii? i??e
ianoeeueiino? aei ?eceeo. Oa?iii?eue, OAIA, A?niee OAIA:
Aeiiii?ei-iaoaiaoe/ia iiaeaethaaiiy, ?1, 1998. – n.3-25. /1,4 oi. ae?oe.
a?e. /

Ieaenthe I.N. Iiaoaeiaa ooieoe?? aea?aeiino? o aeiaaeeo iae?i?eii? ci?ie
i??e ianoeeueiino? aei ?eceeo. Oa?iii?eue, OAIA, A?niee OAIA:
Aeiiii?ei-iaoaiaoe/ia iiaeaethaaiiy, ?2, 1998. – n.16-38. /1,5 oi.
ae?oe. a?e. /

Ieaenthe I.N. Aecia/aiiy no?aoiai? noie ?eceeo caeaaeii a?ae i??e
noeeueiino? ? ianoeeueiino? aei ?eceeo iniae, ui i?eeia? ??oaiiy.
Oa?iii?eue, OAIA, A?niee OAIA: Aeiiii?ei-iaoaiaoe/ia iiaeaethaaiiy, ?3,
1998. – n.3-16. /0,9 oi. ae?oe. a?e./

Ieaenthe I. N. Iiaoaeiaa iiaeae? iioeiaeueiiai ?iaanoeoe?eiiai ii?ooaey
c o?ueio aeoea?a /A ca??ieeo iaoeiaeo i?aoeue “I?iaeaie aeiiii?/iiai
?eceeo: aiae?c oa oi?aae?iiy” ca iaoa??aeaie Ia?oi? Anaoe?a?inueei?
iaoeiai-i?aeoe/ii? eiioa?aioe??. E.:1998.-n54-57. /0,25 oi. ae?oe. a?e.
/

Ieaenthe I.N. Aeei?enoaiiy i?eioeeio A?aana-Aeaeaeina aeey i?eeiyooy
?eceeiaaieo o?iainiaeo ??oaiue. Oa?iii?eue, A?niee OAIA –
“Aeiiii?ei-iaoaiaoe/ia iiaeaethaaiiy”, ?4, 1998?. – n.12-42.

Olexandr Olexyuk. Using a function of profitability in the model of
optimum risk insurance in the conditions of integration on a microlevel.
Ternopil, The Herald of Ternopil Academy of National Economy, Special
issue ?2, 1997. – ?.49-51. – 0,2 oi. ae?oe. a?e./

Ieaenthe I.N. Eiioeaiooaeuei? ? iaoiaeieia?/i? iniiae oa
aeiiii?ei-iaoaiaoe/i? iiaeae? ?ic?iaee nenoai i?aeo?eiee i?eeiyooy
o?iainiaeo ??oaiue ia i?e?i??ai?. – ?oeiien.

Aeena?oaoe?y ia caeiaoooy iaoeiaiai nooiaiy aeieoi?a aeiiii?/ieo iaoe ca
niaoe?aeuei?noth 08.03.02 – aeiiii?ei-iaoaiaoe/ia iiaeaethaaiiy. –
Ee?anueeee iaoe?iiaeueiee aeiiii?/iee oi?aa?neoao, Ee?a, 1998.

O aeena?oaoe?? aeine?aeaeaii i?iaeaie oi?aae?iiy o?iainaie ia i?e?i??ai?
a eiioeaioe?? noai?aiiy nenoai i?aeo?eiee i?eeiyooy o?iainiaeo ??oaiue
(NIIO?) a oiiaao oi?ioaaiiy ?eieiai? nenoaie, noi?ioeueiaaii
eiioeaiooaeueii-iaoiaeieia?/i? iieiaeaiiy ?ic?iaee oa ai?iaaaeaeaiiy
NIIO?. ?ic?iaeaii iaoiaeieia?/i? iniiae oa iaoaiaoe/i? iiaeae? i?eeiyooy
?eceeiaaieo o?iainiaeo ??oaiue o NIIO?. I?iaaaeaii aeine?aeaeaiiy
iiaoaeiae ooieoe?? aea?aeiino? aeey iino?eii? oa iae?i?eii? ci?ie i??e
noeeueiino? ? ianoeeueiino? aei ?eceeo, ?ic?iaeaii iaoiaeeeo
canoinoaaiiy ooieoe?? aea?aeiino? a iiaeae? iioeiaeueiiai no?aooaaiiy.
I?iaaaeaii aeine?aeaeaiiy i?iaeai iiaeaethaaiiy i?eeiyooy ?eceeiaaieo
o?iainiaeo ??oaiue a oiiaao iaaecia/aiino?. Iiaoaeiaaii iiaeaeue
iioeiaeueiiai ?iaanoeoe?eiiai ii?ooaey i?e caaeaiiio ??ai? aeioiaeiino?
? i?i?iaeueiiio ?eceeo. ?ic?iaeaii iaoiae iaenei?caoe?? niiae?aaii?
aeioiaeiino? ?iaanoeoe?eiiai ii?ooaey i?e caaeaiiio ??ai? ?eceeo.
Cai?iiiiiaaii iaoiaeeeo ?ic?iaee ?ioi?iaoe?eiiai, iaoaiaoe/iiai oa
i?ia?aiiiai caaacia/aiiy NIIO?.

Eeth/ia? neiaa: oi?aae?iiy; aiae?c; o?iaine; iiaeaethaaiiy; ?eieiaa
nenoaia; iioeiaeueia ??oaiiy; iniaa, ui i?eeia? ??oaiiy; nenoaia
i?aeo?eiee i?eeiyooy o?iainiaeo ??oaiue; iaaecia/ai?noue; ?ecee;
ooieoe?y aea?aeiino?; aaca aeaieo; aaca iiaeaeae.

Ieaenthe A.N. Eiioeaiooaeueiua e iaoiaeieiae/aneea iniiau e
yeiiiieei-iaoaiaoe/aneea iiaeaee ?ac?aaioee nenoai iiaeaea?aeee i?eiyoey
oeiainiauo ?aoaiee ia iee?io?iaia. – ?oeiienue.

Aeenna?oaoeey ia nieneaiea o/aiie noaiaie aeieoi?a yeiiiie/aneeo iaoe ii
niaoeeaeueiinoe 08.03.02 – yeiiiieei-iaoaiaoe/aneia iiaeaee?iaaiea. –
Eeaaneee iaoeeiiaeueiue yeiiiie/aneee oieaa?neoao, Eeaa, 1998.

A aeenna?oaoeee enneaaeiaaiu i?iaeaiu oi?aaeaiey oeiainaie ia
iee?io?iaia a eiioeaioeee nicaeaiey nenoai iiaeaea?aeee i?eiyoey
oeiainiauo ?aoaiee (NIIO?) a oneiaeyo oi?ie?iaaiey ?uii/iie yeiiiieee,
noi?ioee?iaaiu eiioeaiooaeueii-iaoiaeieiae/aneea iieiaeaiey ?ac?aaioee e
aiaae?aiey NIIO?. ?ac?aaioaiu iaoiaeieiae/aneea iniiau e iaoaiaoe/aneea
iiaeaee i?eiyoey ?eneiaaiiuo oeiainiauo ?aoaiee a NIIO?. Enneaaeiaaii
iino?iaiea ooieoeee auaiaeiinoe aeey iinoiyiiie e iaeeiaeiie niaiu ia?u
neeiiiinoe e ianeeiiiinoe e ?eneo, ?ac?aaioaia iaoiaeeea i?eiaiaiey
ooieoeee auaiaeiinoe a iiaeaee iioeiaeueiiai no?aoiaaiey. Enneaaeiaaiu
i?iaeaiu iiaeaee?iaaiey i?eiyoey ?eneiaaiiuo oeiainiauo ?aoaiee a
oneiaeyo iaii?aaeae?iiinoe. Iino?iaia iiaeaeue iioeiaeueiiai
eiaanoeoeeiiiiai ii?ooaey i?e caaeaiiii o?iaia aeioiaeiinoe e
ieieiaeueiii ?enea. ?ac?aaioai iaoiae iaeneiecaoeee iaeeaeaaiie
aeioiaeiinoe eiaanoeoeeiiiiai ii?ooaey i?e caaeaiiii o?iaia ?enea.
I?aaeeiaeaia iaoiaeeea ?ac?aaioee eioi?iaoeeiiiiai, iaoaiaoe/aneiai e
i?ia?aiiiiai iaania/aiey NIIO?.

Eeth/aaua neiaa: oi?aaeaiea; aiaeec; oeiainu; iiaeaee?iaaiea; ?uii/iay
nenoaia; iioeiaeueiia ?aoaiea; eeoei, i?eieiathuaa ?aoaiea; nenoaia
iiaeaea?aeee i?eiyoey oeiainiauo ?aoaiee; iaii?aaeae?iiinoue; ?ene;
ooieoeey auaiaeiinoe; aaca aeaiiuo; aaca iiaeaeae.

Oleksyuk O.S. Conceptual and methodological bases, economic and
mathematical models of financial decision-support systems development on
microlevel. – Manuscript.

The thesis for a doctor`s degree in economic sciences on speciality
08.03.02- economic and mathematical modeling. Kyiv National Economic
University, 1998.

The problems of financial decision-support systems development on
microlevel in the conditions of market system formation, conceptual and
methodological bases of support systems and introduction of financial
decision making support systems are analyzed. The investigation of the
utility function for constant and nonlinear changes of the measure of
propensity or nonpropensity to risk is conducted, the methodology of the
utility function in the model of optimal insurance is designed. The
investigation of the problems of taking risky financial decisions in
conditions of uncertainty is carried out. The model of optimal
investment portfolio under a certain level of return and minimum risk is
built. The method of maximization of expected return of investment
portfolio under a certain level of risk is developed. The methodology of
software working out for financial decision-support systems is offered.

Key words: management; analysis; finances; modeling; market system;
optimal decision; decision-maker; Financial decision-support system;
uncertainty; risk; utility function; data base; models base.

IEAENTHE Ieaenaiae? Noaiaiiae/

EIIOeAIOOAEUeI? ? IAOIAeIEIA?*I? INIIAE OA AEIIII?EI-IAOAIAOE*I? IIAeAE?
?IC?IAEE NENOAI I?AeO?EIEE I?EEIssOOss O?IAINIAEO ??OAIUe IA I?E?I??AI?

I?aei. aei ae?oeo 16.10.98 Oi?iao 60o84/16

Iai?? ienuei. Ion. ae?oe. Oi. ae?oe. a?e. 2,15. Oi. oa?ai-a?aea. 2,27.

Iae. aeae. a?e. 2,0. Oe?aae 100 i?. Cai. ?05.02 – 11/49

Aeaeaaieoeoai “Aeiiii?/ia aeoiea”, 282004, Oa?iii?eue, aoe. Euea?anueea,
11

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