/**
* Calculates losses for the given credit portfolio using Monte-Carlo Simulation. Simulates
* probability of default only.
*
* @param portfolio Credit portfolio.
* @param horizon Forecast horizon.
* @param num Number of Monte-Carlo iterations.
* @return Losses array simulated by Monte Carlo method.
*/
private double[] calculateLosses(Credit[] portfolio, int horizon, int num) {
double[] losses = new double[num];
// Count losses using Monte-Carlo method. We generate random probability of default,
// if it exceeds certain credit default value we count losses - otherwise count income.
for (int i = 0; i < num; i++)
for (Credit crd : portfolio) {
int remDays = Math.min(crd.getRemainingTerm(), horizon);
if (rndGen.nextDouble() >= 1 - crd.getDefaultProbability(remDays))
// (1 + 'r' * min(H, W) / 365) * S.
// Where W is a horizon, H is a remaining crediting term, 'r' is an annual credit rate,
// S is a remaining credit amount.
losses[i] +=
(1 + crd.getAnnualRate() * Math.min(horizon, crd.getRemainingTerm()) / 365)
* crd.getRemainingAmount();
else
// - 'r' * min(H,W) / 365 * S
// Where W is a horizon, H is a remaining crediting term, 'r' is a annual credit rate,
// S is a remaining credit amount.
losses[i] -=
crd.getAnnualRate()
* Math.min(horizon, crd.getRemainingTerm())
/ 365
* crd.getRemainingAmount();
}
return losses;
}
protected Object handleDownMessage(final Event evt, final Message msg, Address dest, int length) {
if (dest == null) { // 2nd line of defense, not really needed
log.error(
getClass().getSimpleName() + " doesn't handle multicast messages; passing message down");
return down_prot.down(evt);
}
Credit cred = sent.get(dest);
if (cred == null) return down_prot.down(evt);
long block_time = max_block_times != null ? getMaxBlockTime(length) : max_block_time;
while (running && sent.containsKey(dest)) {
boolean rc = cred.decrementIfEnoughCredits(length, block_time);
if (rc || !running || max_block_times != null) break;
if (cred.needToSendCreditRequest())
sendCreditRequest(dest, Math.max(0, max_credits - cred.get()));
}
// send message - either after regular processing, or after blocking (when enough credits
// available again)
return down_prot.down(evt);
}
boolean creditStatus() {
double montlyFees = 0;
for (Iterator<Credit> it = this.myCredits.iterator(); it.hasNext(); ) {
Credit element = it.next();
montlyFees += element.getMonthlyFee();
}
if (this.getSalary() / montlyFees < 2) {
return false;
} else {
return true;
}
}
public void giveCredit(Client client, Credit credit) {
if (reserv - credit.getAmount() - calculateMonthlyDepositAccumulations() > 0) {
if (client.askForCredit(credit)) {
bankProducts.add(credit);
reserv -= credit.getAmount();
capital -= credit.getAmount();
}
} else {
System.out.println(
"Bank doesn't have enough money in reserve to give " + credit.getAmount() + " as credit");
}
}
public MyJObject(int i) {
CourseCheckBox = new JCheckBox(DataTransfer.Courses.elementAt(i));
CourseCheckBox.setForeground(Color.WHITE);
CourseCheckBox.setFont(new Font("SERRIF", Font.BOLD + Font.ITALIC, 13));
CourseCheckBox.setHorizontalAlignment(SwingConstants.LEFT);
CourseCheckBox.setOpaque(false);
CourseCheckBox.setSelected(true);
TotalMarks =
new JLabel(
Float.toString(
Float.valueOf(
TwoDecimal.format(Float.parseFloat(DataTransfer.Total.elementAt(i))))),
SwingConstants.CENTER);
TotalMarks.setForeground(Color.WHITE);
TotalMarks.setFont(new Font("SERRIF", Font.BOLD + Font.ITALIC, 13));
GradePoint = new JLabel(DataTransfer.GradePoint.elementAt(i), SwingConstants.LEFT);
GradePoint.setForeground(Color.WHITE);
GradePoint.setFont(new Font("SERRIF", Font.ITALIC, 13));
LetterGrade = new JLabel(DataTransfer.LetterGrade.elementAt(i), SwingConstants.LEFT);
LetterGrade.setForeground(Color.WHITE);
LetterGrade.setFont(new Font("SERRIF", Font.PLAIN, 13));
CreditLabel = new JLabel(Credit.elementAt(i), SwingConstants.LEFT);
CreditLabel.setForeground(Color.WHITE);
CreditLabel.setFont(new Font("SERRIF", Font.PLAIN, 13));
ExamTypeLabel = new JLabel(DataTransfer.ExamType.elementAt(i), SwingConstants.LEFT);
ExamTypeLabel.setForeground(Color.WHITE);
ExamTypeLabel.setFont(new Font("SERRIF", Font.PLAIN, 12));
}
protected void handleCredit(Address sender, long increase) {
Credit cred;
if (sender == null || (cred = sent.get(sender)) == null || increase <= 0) return;
long new_credit = Math.min(max_credits, cred.get() + increase);
if (log.isTraceEnabled()) {
StringBuilder sb = new StringBuilder();
sb.append("received " + increase + " credits from ")
.append(sender)
.append(", old credits: ")
.append(cred)
.append(", new credits: ")
.append(new_credit);
log.trace(sb);
}
cred.increment(increase);
}
public void evaluateCredit(
Client client, double creditMoney, Credit.CreditType creditType, int period) {
double allMonthlyPayments = 0;
for (Credit credits : client.getCredits()) {
allMonthlyPayments += credits.getMonthlyPayment();
}
if (allMonthlyPayments < client.getSalary() / 2) {
if (this.reserve - creditMoney > this.getAllDepositMoney() * 0.1) {
this.createCredit(client, creditMoney, creditType, period);
System.out.println(this.name + " gave " + client.getName() + " a credit of " + creditMoney);
this.allDepositMoney -= creditMoney;
} else {
System.out.println("The bank cannot afford to give this credit.");
}
} else {
System.out.println(client.getName() + " cannot afford to pay this credit.");
}
}
/**
* Method used to access credit account. Allows the ability to check account balance. Allows the
* ability to pay bills and balance.
*/
public void creditMenu() {
try {
Credit cr = new Credit();
int selection;
int amount;
System.out.println("\nCredit menu");
System.out.println("1 - View account balance:");
System.out.println("2 - Pay Balance:");
System.out.println("3 - Pay Bills:");
System.out.println("4 - Back to Account Menu:");
System.out.println("5 - Terminate transaction:");
System.out.print("Choice: ");
Scanner input = new Scanner(System.in);
selection = input.nextInt();
switch (selection) {
case 1:
cr.getCrBal();
System.out.println("Your balance is:" + current_user.balance);
break;
case 2:
System.out.println("\nEnter amount:");
Scanner input2 = new Scanner(System.in);
amount = input2.nextInt();
current_user.credit.pay_balance(amount);
current_user.updateProperties(current_user.idNum);
break;
case 3:
System.out.println("\nEnter amount:");
Scanner input3 = new Scanner(System.in);
amount = input3.nextInt();
current_user.credit.bill_payment(amount);
current_user.updateProperties(current_user.idNum);
break;
case 4:
selectAccount();
break;
case 5:
System.out.println("\nThank you for using our online banking service");
System.exit(0);
}
} catch (IOException ex) {
}
}
protected void setHeaderData() {
headerData = getHeaderData(type, id);
setInfo();
setAddress();
setContact();
creditData = Credit.getData(id);
routeData = Route.getData(id);
discountData = PartnerDiscount.getData(id);
channels = new String[] {channel};
provinces = new String[] {province};
cities = new String[] {city};
districts = new String[] {district};
}
public Credit Calculate(Credit credit) {
return new Credit(credit.getValue() * this.multiplicator);
}
public void stop() {
super.stop();
for (Credit cred : sent.values()) cred.set(max_credits);
}
@ManagedAttribute(description = "Total time (ms) spent in flow control block")
public long getTotalTimeBlocked() {
long retval = 0;
for (Credit cred : sent.values()) retval += cred.getTotalBlockingTime();
return retval;
}
@ManagedAttribute(description = "Number of times flow control blocks sender")
public int getNumberOfBlockings() {
int retval = 0;
for (Credit cred : sent.values()) retval += cred.getNumBlockings();
return retval;
}
public int getMinMonthsWithoutPenalty() {
int result = credits.get(0).getMonthsWithoutPenalty();
for (Credit credit : credits)
if (credit.getMonthsWithoutPenalty() < result) result = credit.getMonthsWithoutPenalty();
return result;
}
void collectCredit(Credit credit) {
reserv += credit.getMonthlyCreditInstallment();
capital += credit.getMonthlyCreditInstallment();
}
static double calculateCreditMontlyPayment(Credit credit) {
return credit.getAmount() + credit.getAmount() * credit.getInterest();
}
@Override
public void askForCredit(String typeOfCredit, double amount, int period, Bank myBank)
throws NotEnoughMoneyException {
if (creditStatus() && myBank.creditCheck(amount)) {
Credit newCredit = Credit.makeNewCredit(typeOfCredit, period, amount);
this.myCredits.add(newCredit);
myBank.transferAccountToDataBase(newCredit);
}
}
