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The global economy has a huge fluctuation, because there was a big shock to industries by COVID-19. In this context, supply chain financing is becoming a convenient and efficient way to help small and medium-sized enterprises(SMEs) take the next step, which is why it is experiencing rapid development...

The central government has pointed out that China’s economic growth is shifting from a high-speed growth to a high-quality development stage. In the past, China’s household sector had low participation per capita in the credit market and the housing market bubble boosted housing credit. However, the...

This paper discusses that the sustainable trade credit and inventory policy, with demand related to credit period and consumer environment sensitivity, under the carbon cap-and-trade regulation and tax regulation. And the firms make efforts to reduce the carbon emissions. The optimal credit period, order...

Based on the reality of construction business and the basic theory of commercial bank credit ratings, according to the characteristics and actual situation of China's construction enterprises, this paper analyzed the existing rating methodology and theoretical basis, mergingthe fuzzy comprehensive model...

The attempts to perform credit system reform are efficient ways for general colleges and universities to make breakthroughs and achieve better development. Credit system refers to the teaching management system under which the students voluntarily choose the courses they want to enroll and evaluations...

Small and Medium-sized Enterprises (SME) is the major driving force for the economic development of China, but financing difficulties are impeding their smooth development. Therefore, enhancing the construction of credit system is of great importance for solving the problem. In this essay, we firstly...

With the development of economic globalization and the improvement of information technology, the new consumption mode of credit card overdraft is gradually applied in China, and there is a tendency of expanded scope of use. While development and challenges coexist, the problem of credit card fraud is...

In the management process, operation difficulty caused by capital shortage often arises in small and medium-sized enterprises. Financing difficulty, blind expansion, excessive credit sales, poor financial management and losses caused by poor management can lead to capital chain rapture and capital chain...

This paper analyzed the related problems of curriculum setting basing on the management mode of credit system teaching. The article also discussed the root of the problem and given some reasonable suggestions. It provided reference basis for the professional construction and curriculum setting. It can...

This paper aims to build a predictive model to identify credit card default and minimize losses for financial institutions. The study uses data from the Credit Card Approval Prediction dataset on Kaggle, with 36,457 rows and 17 predictors. The credit card default is an unbalanced outcome variable, with...

Asset-backed Securities is the future of financial market. In this regard, financing lease industry deploys the best characteristics for securitization which will also facilitate the development of this industry. Therefore, we conclude the workflow of financial lease asset securitization and analyze...

With the advent of the era of big data, there are some new problems in the security protection of personal information on social networks, such as user data privacy leakage, spam and network attacks, network rumors and network public opinion information. In view of the current situation of personal information...

P2P network loan industry which are rapid development has solved the problem that our country could not meet the financing needs of small and micro enterprises and personal financial needs. The explosive growth of the network-lending industry faced of significant credit risk of agglomeration and diffusion....

In this paper, we evaluate the development level of internet finance by focusing on three major virtual economies, internet “Baby” fund, internet financial credit and Shanghai Composite Index for the first time. We examine the disequilibrium relations between the development of both internet finance...

With "advanced ability" as the guide, the reconstruction of the primary school education professional ability to cultivate the connotation, focusing on the completion of different stages to cultivate "ability as the most important" and primary school education master professional practice ability; building...

The platform economy has injected infinite vitality and vigor into the economic development after COVID-19, which has developed rapidly and solved the problem of flexible employment at present. This paper discusses the platform economic operation mechanism under blockchain technology, especially the...

By analyzing the data of Shanghai and Shenzhen A-share listed companies from 2008 to 2021, this paper discusses the impact of green credit on enterprise investment efficiency by using the differential model. The research shows that green credit policy can significantly improve the investment efficiency...

The third party logistics is to regulate the relationship between logistics operators and logistics consumers through the form of contract. Small and medium-sized industrial enterprises reform under the guidance of the country's "supporting small" policy, the implementation of the financial credit policy...

Family liabilities can smooth income, promote consumption and improve residents' subjective well-being, but it may also bring corresponding economic pressure to reduce the level of welfare. Based on the tracking survey data of Peking University from 2010 to 2016, this paper uses Ordered Logistic model...

To develop green credit is an indispensable important economic means for China to insist in the resource-saving and environmentally friendly green development road. The green credit policy affects the entire economic system, which can't be neglected, thus it is necessary to be concerned by all circles....

Today, E-commerce has evolved into an indispensible part in people’s life and work, due to its features of convenience, high-efficiency, etc.As E-commerce becomes popular and develops sharply, its credit crisis emerges increasingly remarkably, including the inadequate regulation, the network complaints,...

Impacts of inflation on financial markets and institutions in China will be discussed in this article, focusing on the stock markets and commercial banks. Since many scholars have studied how financial development affects inflation, the author chose to carry out reverse research. After comparing the...

The decentralized advantage of block chain technology helps to improve the credit business model of commercial banks, and also provides an idea to solve the financing difficulties of SME. This paper compares the traditional bank credit model with the credit model embedded in block chain technology from...

A credit system is the need of higher education development. The grade management is the basis and core of the credit system. Therefore, it is necessary to estimate score as soon as possible. Estimation by analogy is a common method to estimate effort; it is used to estimate scores in the paper. As the...

Implementation of credit system is a significant approach to deepen the reform of talents cultivation pattern of higher education, stimulate students' subjectivity and facilitate all-round development of students. Colleges and universities are supposed to hold the concept of talents cultivation and teaching,...

In 2009, a sovereign debt crisis affecting the world broke out in Europe. With the development and deepening of the crisis, the European bank’s credit risk and systemic risk were gradually exposed. This article attempts to measure the systemic risk by measuring the beta coefficient of commercial banks...

This article represents an analysis of the Fed’s recent reduction on Secondary Market Corporate Credit Facility(SMCCF) and the future monetary policies on The Federal Open Market Committee (FOMC). And we try to explore potential arbitrage opportunities according to the impact of these policies. Based...

Based on self-regulation theory, SPSS and Mplus were used to explore the relationship mechanism between academic tutors' mentoring behavior and university students’ professional commitment through hierarchical regression and moderated mediation model. Hierarchical regression analysis results showed...

Non-Performing Loans (NPLs) refer to loans or credit that have passed a certain time limit without expected interest or principal payments. However, the main challenge faced by NPLs is that they can trigger a domino effect that is detrimental to overall economic stability. This study uses a conceptual...

Since China began the pilot asset securitization from 2005, its development has been slow and fluctuating. The most serious crisis affected by the U.S. subprime mortgage crisis forced the pilot breakdown for a long period. How to develop China's asset securitization is the core issue of China's finance....

The world is still not 100% free from Covid-19. Therefore, face-to-face learning can take place on a limited basis or a hybrid or online system. However, the teaching and learning process must continue. The State University of Surabaya also experienced the same thing. For this reason, lecturers must...

Since the unbalance of the supply and demand of the rural finance in China's rural areas , the pilot cooperative of mutual fund were put forward. Sichuan Province which located in the southwest China, is now the frontier of the rural revolution, and keep on exploring in practice, and gradually worked...

The traders in C2C e-commerce model are all the entities which are scattered and do not know each other, and there are more transaction security risks. If we want to reduce the risk of trading, we need to introduce the credit calculation in e-commerce. Although the current credit management system has...

This paper starts with analyzing the current situation of the financing difficulties of SMEs in China, and analyzes and studies the supply chain financial services, which is a new way for the commercial banks to innovate and develop the financing business of the small and medium-sized enterprises. At...

"Internet plus" is very popular now in China, Internet has combined all walks of life. Facing this upsurge, we need more rational thinking. "Internet plus Education" is bound to innovate traditional higher education, but undoubtedly there still are a lot of problems. This paper proposed such following...

The purpose of this study is to analyze whether the centralized intervention represented by government intervention can effectively solve the problem of rural credit exclusion, and provide evidence for the development of global rural inclusive credit. In the process of research, this study uses the random...

With the rapid economic development, China's environmental problems are becoming more and more serious, and it is urgent to transition to green economic development. As a responsible major country, China is making vigorous efforts to strike a balance between economy and ecology. This paper will...

The rolling stock of road transport enterprises in the Russian Federation is old, with about 80% of vehicles there is a need for replacement. Financial leasing can provide and provide such a replacement. At present, there is no valid methodology in the Russian Federation for evaluating the effectiveness...

The complete inseparable inscriptions carved credit, carved font text on the transfer to achieve the transfer of inscriptions font literature , and formed a permanent preservation of inscriptions art, history and culture of the Chinese widespread and long-term spread. Its large contribution but few people...

Against the background that Chinese economy is in the critical period of transformation, P2P online loan is undergoing a period of integration from the standardized operation to the mature stage. The defects of management system and supervision system lead to the high credit risk of P2P online loan platform....

In the whole supply chain management process, accurate control of supply chain demand is an important part. In order to study supply chain demand with predictability and credibility, an extreme learning machine model based on whale optimization algorithm is proposed. By analyzing the demand of a company...

Strengthening the combination of science and technology finance is an important means to implement innovation driven development strategy.Since 2011, the Ministry of science and technology in conjunction with the eight ministries, the Ministry of finance, people's Bank of China and other selected 16...

As the main source of carbon emissions, enterprises are a crucial factor in carbon emission reduction. The paper based on the evolutionary game model of carbon emission reduction between local governments and enterprises under the penalty mechanism, analysis the evolutionary stability strategy of local...

The relevance of investigated problem is caused by underestimation of factor of trust in money in modern economic researches and insufficient studying of problem of evaluating the level of trust in monetary unit as the carrier of the institute of money. The article presents a mechanism for assessing...

The mode of agricultural supply chain financial applies supply chain finance in the agricultural industry chain, which can effectively solve the financing difficulties of farmers and the rural financial repression issues. We researched the development of Jinan`s agricultural financial supply chain and...

Laboratory system is an open, complex, gigantic system which includes laboratory space, equipments, structure parts, models, function devices, elements, experimental projects, teachers and students. From the viewpoints of credit-based cultivation mode of colleges and universities, the information technology...

The paper presents the outcomes of research that reveals the monopolization level of the Russian Banking Sector. The objective of the conducted research is to evaluate the current level of monopolization of the Russian Banking Sector in terms of developed methodological approach and revealing its effect...

Nowadays, many microfinance companies are booming, but they not only bring convenience to people, but also bring many risks. Taking ant financial as an example, this paper analyzes the credit risk and points out the improvement suggestions of the supervisor, which is conducive to the supervisor to better...

The total amount of college graduates continues to grow. The mismatch between supply and demand and structural contradiction and employment channels are make the employment situation of college students very difficult. In order to solve the college students’ employment problem, encouraging entrepreneurship...

This study examines how MSME lending, MSME Loan at Risk (MSME-LAR), capital adequacy, and macroeconomic conditions influence bank profitability across ownership types in Indonesia, and how the COVID-19 crisis moderates these relationships. Using balanced quarterly panel data from 2013Q1–2025Q1 covering...