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Personalized tax optimization and fraud detection pose a challenge to financial decision-making due to the constraints of conventional methods. This research provides a composite machine learning framework combining XGBoost with SHAP for personalized tax- saving recommendations and Random Forest with...

Based on the data of A-share listed companies in China’s manufacturing industry from 2016-2020, this paper uses a panel data multiple regression models to conduct a study around the impact of different financing sources in the financing structure on corporate value and finds that the asset-liability...

Big data discriminatory price (BDDP) is a kind of misuse of data, where the platform “sets” the user up from the very beginning of the service contract with the user, actively taking the user's surplus for its own benefit in all aspects of information collection, analysis, and utilization. In recent...

China’s economy has developed exceedingly fast over the years. However, behind the fast-growing economy, sustainable development seems lagging. To motivate further development in sustainable development, analysis of sustainable financing, in the scope of commercial banks, the credit providers of all...

This study aims to analyze the influence of Accountability, Efficiency, and Implementation on Financial Management Innovation in the financial management of the South Sulawesi Provincial Government, especially related to the implementation of the Regional Government Credit Card (KKPD). This study uses...

Today, with the rapid development of Internet information technology, the platform economy (PE)model covers most areas of people’s economic life, and has caused subversion and innovation to the business model and pattern of the traditional financial industry. PE plays a significant role in the development...

The digitization of rural industries is the core of the construction of digital villages. It is a new driving force for realizing rural revitalization, promoting the transformation and upgrading of industrial structure. Based on the analysis of the status and progress of the digital development of rural...

The effectiveness of budget absorption is the primary focus of this study, which examines the factors that delay budget realization in the DPRD Secretariat. Budget realization had only reached 32.99% as of May 31, 2024, with the remaining portion scheduled for the subsequent six months. The research...

E-Business platforms have developed rapidly in recent years, providing consumers and enterprises with a virtual trading environment, greatly facilitating people’s consumption behavior and reducing transaction costs. And this flexible trading method also provides a variety of possibilities for commodity...

Credit card payment has been flourishing in marketing transaction in the United States for decades, while variety of consumer behavior and digital development bring about new impacts on financial theft. The gender, the credit card knowledge, and country-based institutions would be some significant consumptions...

Commercial banks play an important role in China’s financial system. However, financial disintermediation has a significant impact on the traditional credit business of commercial banks. The scale of commercial banks’ capital stock has been gradually diverted from the source, causing a certain impact...

Small enterprises play the important role in pushing China’s economic progress, but keeping on facing the difficulty in financing the loans. Establishing a reasonable credit evaluation indicators system is one of the keys to implement accurate credit evaluate to small enterprises. Regardless of the evaluation...

China’s bank credit rating system, as one of the main aspects of bank control, has not yet met the international requirements for accurate measurement and effective management of credit risk, and is in urgent need of reform and improvement. Based on the relevant theories of bank credit rating, this paper...

In abroad, factoring is well developed and widely applied on managing the account receivable. Its validities are verified on the aspects of transferring financial risk, bringing down press of account receivable and improving finance structure. Yet in China, factoring is at a fast developing stage but...

With the continuous development of science and technology and the continuous improvement of the financial market, Internet consumer finance has attracted many users resulting in its obvious advantages of convenience, quickness and wide coverage, which has greatly enriched the types of Internet financial...

Micro, Small, and Medium Enterprises (MSMEs) serve as vital contributors to inclusive economic development, especially in emerging economies such as Indonesia. However, their strategic performance is often constrained by limited managerial capabilities and unequal access to formal banking credit. This...

The policy of empowering micro, small and medium enterprises (MSMEs) is the main focus as an effort to encourage economic development and reduce economic disparities in various regions. One of the initiatives that has been implemented is the People’s Business Credit (KUR) Application Program which is...

The capitalist economic crisis has brought great damage to the operation of the world economy. The essence of the capitalist economic crisis lies in the inherent contradiction of the capitalist system. Based on the performance of the American subprime crisis in 2008, this paper deeply analyzes the causes...

This article is about how COVID-19 has affected the pricing of bonds and how is the YTM of a bondable impacts the bond when it is issued into the open market. Furthermore, this paper discussed the liquidity impact in terms of how old bonds behave compare of how old bonds behave compared to newly issued...

In order to solve the problem of lifelong learning of multiple students in the numerical control technology specialty group, Guangdong Mechanical & Electrical Polytechnic has established a qualification framework for the specialty group. This qualification framework horizontally includes two types:...

The successful issuance of JingDong IOUS has made a great innovation for Chinese internet finances. Therefore, this paper will study the risks of securitisation of Chinese internet finance assets based on Jingdong IOUS as a case study. The analysis concludes that there are seven main risks (market risk,...

In order to promote the teaching management effectiveness of higher education the paper proposes some managing suggestions about credit system, teaching quality, basic teaching construction and teaching research. The paper aims at inspiring the activeness of both teachers and students, constructing the...

China's economic development has entered a new stage, focusing on coordination and balance between the economy and the environment. How to construct the rural green financial system has become an important issue. This paper analyzes the positive impact of the development of China's rural green...

In 2008, Ireland’s real estate bubble economy burst, which ushered in a real estate market crash and credit crisis in Ireland. The Irish government created the National Assets Administration (NAMA) to purchase bad real estate loans from banks to solve credit problems. In 2013, Ireland introduced the...

With the development of Internet banking and big data, the traditional credit rating in the sample data collection, model development, systems use and other aspects is affected. It mainly appears in the full quantization of data samples and enterprise behavior data which is unstructured, virtualization...

The purpose of this study was to determine the effect of credit risk, liquidity risk and management efficiency on profitability in banking in Indonesia and to determine whether capital can mediate the effect of credit risk, liquidity risk and management efficiency on profitability. This study uses secondary...

This work is devoted to the study of the probabilistic bankruptcy state of Russian Federation credit institutions. It develops a tool (neural network) designed to assess the financial condition (bankruptcy) of banks. Data collection and generalization are carried out, the results of numerical modeling...

The relationship between Chinese banks’ venture capital and its subsequent lending can be considered as a new business for banks, and that is defined as investment-loan linkage in China. Investment-loan linkage is one of the important innovative businesses of commercial banks to solve the financing problems...

With the great-leap-forward development of credit card, risk is also showing a trend of gradual expansion. Based on pre-control methods of damage control and Visual Basic .NET, the paper designs and implements credit card risk control system to provide information means for credit card risk control....

This paper examines the main patterns and characteristics of China's Internet finance and puts forward suitable preventive measures and regulatory policy for the legal risk, technology risk, credit risk and operational risk of the current Internet financial markets to perfect China's Internet finance...

The study on the impact of stress testing on banks is carried out in extreme circumstances, which is an important task that banks need to carry out regularly or irregularly after lending. It focuses on the determination of macro-factors in stress testing of logistics banking business. Taking the relevant...

Credit is the most important part of the bank’s business activities, as an effort to provide a sense of security for each bank’s operational activities. In implementing bank lending, in addition to technical and financial analysis, legal protection must also be carried out, through strong collateral...

There are some problems still exist in traditional individual credit assessment system. To solve the problems, an decision tree individual credit assessment model is proposed. Using SPSS Clementine data mining tool, the personal credit data is clustering analysis by decision tree C5.0 method. It is worse...

Consumer credit, as a new mode of consumption in recent years, has a profound impact on people's life and economic growth. There is a large gap in the development of consumer credit, especially in less developed areas, consumption credit is more prominent. Taking Tongren city of Guizhou Province as the...

Financial poverty alleviation is one of the important ways of targeted poverty alleviation. Small credit for poverty alleviation is a financial product tailored for the poor in China. It is also the most direct embodiment of the general financial concept. However, there is still a certain gap between...

Chinese President Xi Jinping promised that carbon emission quantity will reach the peak before 2030 and achieve carbon neutrality before 2060. In order to fulfill this mission, China must make full use of green financial market which mainly consists of green credit, green bond and carbon trading market....

The main influencing factors on decision-making of process schemes are analyzed to set up a synthetic evaluation system involving processing quality, production cost, productivity effect and process flexibility. In view of the deficiency of traditional fuzzy synthetic evaluation, the method of qualitative...

The research is to introduce to the readers what is credit risk and how serious the credit risk is in current years. The loan can be defined as five levels in credit risk, and they are “normal loan” “concern loan” “subprime loan” “suspicious loan” and “loss loan”. Each level of the loan has a different...

In the current time period in front of commercial banks in Russia arises a need to improve the quality of banking management as a special sphere of credit institution management. The main drawbacks of banking management in Russia formulated by the authors are justified by logically built factors. In...

With the advent of the big data era, data-based business analytics is more and more widely used in all industries, in which banking with the loan business is one of the most important businesses. In order to conduct more intelligent risk control, banks often build prediction models based on loan records...

International trade is a high-risk industry, in every aspect of business, there are risks. Credit risk has been highlighted, foreign trade enterprises to bring a lot of interference and confusion, and its further rapid development had hampered. Credit risk is the modern economies, including the main...

The article presents a method of assessing cooperation between banks and insurance organizations in insuring banking risks. Cooperation between these institutions has resulted in an increase in credit insurance premiums and investment life insurance, which are developed with the active participation...

This chapter analyzes the theoretical basis of the relevant papers. First, the meaning and connotation of corporate bond yield spreads to define the difference between corporate bonds and corporate bonds; secondly, analyzes the determinants of corporate bond yield spreads. Chinese corporate bonds and...

Customer relationship management can efficiently provide customers with satisfactory and thoughtful service to improve satisfaction and loyalty for customer, to maximize value and maximize business benefits for customer. In order to promote the sustainable development of bank information card business,...

This study investigates how present bias and perceived convenience of Buy Now Pay Later (BNPL) services contribute to financial stress among Generation Z consumers and explores the moderating role of financial literacy. Grounded in Prospect Theory and the Financial Capability framework, a quantitative...

The strategic cooperation of rural credit cooperatives (RCCs) involves different stakeholders, including government, RCC and various strategic partners. In this paper, a framework of game analysis for them was constructed and conclusions were as follows. If option mastery was under control of government,...

As an important part of fixed assets investment, real estate investment has an extremely important impact on economic development. Based on the economic census data from 2014 to 2018, this paper analyzes the investment scale, structure and benefits of real estate enterprises in Jiangning District, Nanjing....

Due to the strengthening requirements of the Bank of Russia for credit institutions and the increasing amount of loan transactions in banking, credit institutions have to constantly monitor the changes of external and internal risks, improve the existing risk management system in order to increase their...

Commercial banks are the main link in the banking system. Banks are independent subjects of the economy. Their relationship with customers is commercial. The main purpose of the functioning of commercial banks is to maximize profits. Commercial banks act as specific credit institutions. They attract...

The use of information systems and technology in the banking environment is increasing and expanding, especially in competing and gaining a competitive advantage. The loan management process, such as collecting information and verifying applicants regarding personal data, income data, and collateral...