qut u,t I J tu zo 40 60 80 g0 99 gg,g 9999
1fiecnecenyocrnn P %
Puc. 22. Kpun'e p-acnpeAeJrewun (a).r 'KprrBbre o6ecneqeHH ocru (6)C. H. Kpnuxoro r.r M. <D.'Menxe"nl.
O6ecneqenHocrb sa6"rlrcAeHstrx BeJrHqaH cror(a Mox{er 6ttrlno oAuofi H3 cJreAyrorr{Hx cpopNry"rr:
m - nopflAKoBuft Houep qJreHa pflAa-ua6nrcAeuHblx BeJIHqHH croKa'
pacrIoJIolKeHHbIx B nopflAKe y6lrnauun;
n - o6qee qI4cJIo qJIeHoB PnIa.
flpz cpanHI4TeJIbHo KopoTKHx psAax ua6,nrcAesufi pacxo)KAeHgs B 3Ha'
ue"ri* O6eCneqeHHOcTI'I, BbIqI{cJIeHHbIX tro npHBeAeHnUrr'r QOprraynaU, Ha6-
JrroAaercff rJIaBHblM'o6pasovt B rlepBbIX-qry191 !g,u,a'- -bopry"'a 
(l l9) periovreHAosaHa (CHufi i,l-i4. 7-66) Ann pacqera MaK-
clrMaJIbHbIx pacXOAOB, KaK AaIOqafl saH6olee ocTOpO)KHrtft napuagT B OT-
HOrxeHHI4 OnpeAeJIeHHn MaKCHMyMOB cTOKa ua.rlofi o6ecneqeHHOCTI{'- - 
bon"t o6ocHouasnofi cneAyer npl'I3Harb Qopnry"rry (ll8)' npI4MeHeHI4e
roropofi peKoMeHAyeTcf Arrr..pacqeToB foAoBofo H MIIHHMaJIbHOTo cToKa. -
Ecnn roqKr4 un,1n"pruuecr<ofi- o6ecleqeHHocrn, BbIqHcJIeHHbIe 'no.@opttlyne
tr rAl-q"'ru ifigl H HaHeceHHbre Ha rpa$uK reoperl{qecrotl rpunofi o6ecne-
qet{HocTH, OCpeAHfIOT IOCJIeAHIOIO' 3HaqHT' OHa nocTpoeHa..npaBI',IJIbHO'
HecooreercrBr.re gMnlrpflqecKr.rx roqeK u reopernqecxoft rpunoflr o6ecneqeg-
HocTH yKa3bIBaeT Ha HenpaBI,IJIbHocTb onpeAeJIeHI,I'I napaMeTpon rpuoofi,
B nepByro oqepeAb Ha HeToqHocTb B ollpeAeJlerruu roaSQuqueura acuMMef-
;;;Tr:g tto*.nyuu. ueo6xoAuMo H3MeFIHrb coorHorleHlle Cru Co I'I BlIoBb
nocTpoHTb TeopeTr.rqecKylo KpI4ByIO O6eCneqeHHocTI'I.
Kpunax O6ecneqeHHocTI'I cToKa' nocTpoeHHaf B npOcTbIX KoopAHHaTaX'
,*..i 6onruryro KpHBI43Hy B BepxHefi u- st'txHefi qacrqx. 3ro 3arpyAHfleT
noJrb3oBaHl4e KpI{Boft u rpa$nuecKylo 3KcrpanoJlflqlllo KpaftHHx yr{acrKoB
xpunofi, npe4craeJlfltoll\?lx Hau6o,nlurufi I4rlTepec ilpl4 rHApoJIorI4rIecKI'lX
p l.uatu". noeto*y A,'r s nocrpoeHu fl KpH Bor? o6ecne,{eHHocrn ilpl'IMeHsercg
cleUr4aJrbHar KJrerqarKa BepoflTHocrefi. Ocuonuoe cBoficTBo KJIerqarKF
;;p;;il.crefi cocror{r B roM, rrro sa uefi KpHBafl o6ecneqenHocru c xoe$-
QnUueuroNt acHMMerp-4H Cr:0 noJlyqaer BI{A rlpfMofi. flpu Apyrl{x 3Ha-
ue"ro"x C" xpuntre o6ecneqeHHocru, rrocrpoeHHble Ha KJlerqarKe BepoqrHo-
crefi, uMenr sHA nJraBHbrx [rr4tLrk. Ilpuuent KpI{BI43Ha HX yBeJIHlII4BaeTcfl
c yBeJrHqeHI4eM xoeQ$rauHeHTa acHMMerpuu cr'
K.rer.rarx, u.poitiocrefi Moryr 6uru c o6*qnofi H .norapnQnarauecKql'l
Beprr,rKaJlbHoft IxKaJIoft. ngnryrfi rI{II KJIerqarKH npl'IMeHlercn AilnIp-111|I
" 
y*.p."Hofi acr.rMrrlerpuer? (c"<2cr), roropan xapax.:!I1 ArI:l roAoBblx
BeJrr.rqHH croKa, a nropofi Tun-AJrrr KprrBbrx co 3t{aqHTeJIbI.Iofi acI{MMer-
;;;i-'G,;ic,j. ' .' , \
' 
flpit na.ur.rqtau AJIHFIHoTo PflAa na6.nrcAeuufi Kp,YPLK, o6ecneqeHHoorl{
Mo)KHo nonyu"ri, noJrb3yflcl'Qoprrry.rrofi (118) u.rru (119) AJIfl onpeAe"neHHh
o6ecneqellHocT1,I. Ka)KAorO qJIeHa PtlAa. llo,rryueHtlble TOqKI4 HaHOCflT HB
K;reTqarKy BeposTsocreft l,t [o HHM ilpoBOAqT KpI4ByIo' npoxoAflllyrc no
ToqKaM v1r4 sa17rMa1on1yn cpeAHee iIoJIox(eHI{e Me)KAy HI4MI{. llocrpoeHHafi
Kpr4Ban aKcrpa[oJlllpyeTcfl Ao 3oHbI Hau6o;lnuI4x 14 HaHMeHbuHx O6ecne-
t{eHFIocreli.
. KnerqarKy Beposniocrefi ucnoJrb3ylor raKx{e AJII onpeAeJleuun xoeQ-
Suuuenra acHMMerpI4I{ ilyreM no46opa. q-- 
i)np.4eJreHue rrapaMerpoB reoperuqecxofi. xptnofi.. o6ecneqeHHocrH
roAoBoro croKa. llapauerpaur.r reoperuuecxofi xpranofi o6ecneqeHHocTH
rBJtqloTcff TpH BeJII.IqI,lHbI: cpeAHee apraQryrernqecKoe pfAa, xOSQ$raqHeHt
Bapuaqul4 Co v xoaQQuul4eHr acuMMerput'r Cr'
76
n _ fll-0,3
P: nffi looo/0,
m
P:fr l00o/0,
- o6ecneqeHFrocrb Ha6nroAenuofi eenurr?rHbl croKa
o6ecneqeHnocrt);
oIIpeAeJreHa
(l l8)
(l 1e)
TAE P
74
t0 20 40 60 80 90
1fiecnecenyocrnn P %
(eunupzuecKafl