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dc.contributor.author
Ardenghi, Juan Sebastian
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dc.date.available
2022-02-18T18:03:23Z
dc.date.issued
2021-04
dc.identifier.citation
Ardenghi, Juan Sebastian; Quantum credit loans; Elsevier Science; Physica A: Statistical Mechanics and its Applications; 567; 125656; 4-2021; 1-15
dc.identifier.issn
0378-4371
dc.identifier.uri
http://hdl.handle.net/11336/152327
dc.description.abstract
Quantum models based on the mathematics of quantum mechanics (QM) have been developed in cognitive sciences, game theory and econophysics. In this work a generalization of credit loans is introduced by using the vector space formalism of QM. Operators for the debt, amortization, interest and periodic installments are defined and its mean values in an arbitrary orthonormal basis of the vectorial space give the corresponding values at each period of the loan. Endowing the vector space of dimension M, where M is the loan duration, with a SO(M) symmetry, it is possible to rotate the eigenbasis to obtain better schedule periodic payments for the borrower, by using the rotation angles of the SO(M) transformation. Given that a rotation preserves the length of the vectors, the total amortization, debt and periodic installments are not changed. For a general description of the formalism introduced, the loan operator relations are given in terms of a generalized Heisenberg algebra, where finite dimensional representations are considered and commutative operators are defined for the specific loan types. The results obtained are an improvement of the usual financial instrument of credit because introduce several degrees of freedom through the rotation angles, which allows to select superposition states of the corresponding commutative operators that enables the borrower to tune the periodic installments in order to obtain better benefits without changing what the lender earns.
dc.format
application/pdf
dc.language.iso
eng
dc.publisher
Elsevier Science
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dc.rights
info:eu-repo/semantics/restrictedAccess
dc.rights.uri
https://creativecommons.org/licenses/by-nc-sa/2.5/ar/
dc.subject
CREDIT LOANS
dc.subject
GENERALIZED HEISENBERG ALGEBRA
dc.subject
SO(M) SYMMETRY
dc.subject.classification
Economía, Econometría
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dc.subject.classification
Economía y Negocios
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dc.subject.classification
CIENCIAS SOCIALES
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dc.title
Quantum credit loans
dc.type
info:eu-repo/semantics/article
dc.type
info:ar-repo/semantics/artículo
dc.type
info:eu-repo/semantics/publishedVersion
dc.date.updated
2021-12-03T19:30:52Z
dc.journal.volume
567
dc.journal.number
125656
dc.journal.pagination
1-15
dc.journal.pais
Países Bajos
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dc.journal.ciudad
Amsterdam
dc.description.fil
Fil: Ardenghi, Juan Sebastian. Consejo Nacional de Investigaciones Científicas y Técnicas. Centro Científico Tecnológico Conicet - Bahía Blanca. Instituto de Física del Sur. Universidad Nacional del Sur. Departamento de Física. Instituto de Física del Sur; Argentina
dc.journal.title
Physica A: Statistical Mechanics and its Applications
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dc.relation.alternativeid
info:eu-repo/semantics/altIdentifier/doi/http://dx.doi.org/10.1016/j.physa.2020.125656
dc.relation.alternativeid
info:eu-repo/semantics/altIdentifier/url/https://www.sciencedirect.com/science/article/abs/pii/S0378437120309547
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