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Electronic information industry is the hottest industry in the contemporary economy. With the continuous development of the industry, some problems in the supply chain appear gradually. In order to expand the scale of sales, electronic information industry often produces a large number of credit sales,...

Based on a multi-class support vector machine, an urban real estate early warning model is constructed for the Beijing real estate market. The initial indicator system is established based on the historical development of Beijing's real estate market and the selection of real estate early warning...

Purpose - The purpose of this research is to measure the efficiency technique level of Rural Banks in 2013-2014 by using a Data Envelopment Analysis (DEA) method, by BANXIA software. Design/methodology/approach - The approach used to choose the input and output is intermediation approach. The Input used...

Receivables securitization is a kind of credit asset securitization, which is a financing process to restructure the receivables of enterprises that lack liquidity but have future cash flow to issue marketable securities in the asset pool formed. Since the 20th century, the majority of China’s various...

Freshman admission education is widely carried out in a high coverage, yet it is offered in a simple form and needs to further improve for better effect. In face of a complete credit system, this article acquires a group of freshman admission education data after making a survey on 2015 grade freshmen...

The dynamic and structural features of the population’s credit activity of the Russian Far East and its federal subjects were compared with other federal districts in the period of 2009-2017.Based on the study of the main retail lending markets characteristics of the Far East (consumer and mortgage lending),...

This study aims to look at the effects of credit risk and financial performance on the bank financial distress prediction, in which the bank as a financial institution in the scope of its business of fundraising and lending to debtors is exposed to several risks; the main one discussed in this study...

The manifestation of inflationary processes is directly related to the structure and dynamics of the money supply, as well as its main flows. The growth of the money supply and the velocity and direction of movement of its main streams in the most part due to the functioning of the banking sector as...

This study presents evidence elucidating the complex relationship between private sector development (PSD) and the Financial Inclusion Index (FII) in a transitioning economy. Given that the private sector, a significant driver of growth in Vietnam, is expanding, the research investigates whether this...

The rapid advancement of technology and knowledge has driven significant economic growth, particularly through integrating modern technology into the economic system. This change has led to the increasing need for individuals to enhance their abilities continuously, creating products or intellectual...

ASEAN announced to launch economic community in 2015 for the purpose of establishing a unified market with a huge population of 600 million. China should devote greater effort to establishing China-ASEAN Free Trade Area and the Chinese enterprises need to accelerate the in-depth cooperation with ASEAN...

There are two kinds of disputes in the credit-based system with Chinese characteristics: namely the theory of transition and the theory of innovation. Through the analysis from the institutional level, this system is the rational choice and institutional innovation of the college teaching management...

The papers aims to analyze the legal construction between bank-creditor and bank-debtor in the sub-participation contract, which apparently has not been well covered by the two legal fields in the event of a dispute, whereas the funds lent in the banking business are very important to immediately withdraw...

After the global financial crisis in 2008, economists believe that global economic conditions are a source of instability for the domestic economy in developing countries such as Indonesia. These external factors include fluctuations in global financial markets, volatility in commodity prices and capital...

How monetary policy affects the level of macroeconomic development is one of the issues that economists have studied deeply. Based on quarterly data from 2004 to 2023, this paper establishes a VAR model and studies the effectiveness of credit channel and money channel on monetary policy transmission...

In the context of the rapid development of big data, small and medium-sized micro-enterprises (SMEs) hold an indispensable position in contributing to the national economy. To tackle the challenges encountered by banks in extending credit to SMEs, this research develops a credit decision-making model...

The aim of this study is to test the determination of bank health through profitability as an intervening variable in conventional banks. The study employed a quantitative approach, utilizing a structural equation model (SEM) analysis. The data is 105 conventional banks in Indonesia from 2018 to 2023....

With the continuous deepening of financial reform and financial innovation, the mode of China's financial industry as a separate operation has been challenged. Under this background, on the one hand, the competition between commercial banks is becoming increasingly fierce. On the other hand, regulatory...

This research aims to carry out the second stage of the research “Developing Financial Web-based application for Indigenous Village Communities at Village Credit Institution or Lembaga Perkreditan Desa (LPD) in Badung Regency, Bali”. This stage includes: design and coding as well as limited trial of...

The risk premium is a significant aspect of contemporary finance, accounting for the additional return that investors require to undertake extra risk. While the role of the risk premium is fundamental to asset pricing theory and portfolio theory, its nature, determinants, and time-varying behavior remain...

This article seeks to reconstruct the regulatory framework, specifically by emphasizing the principle of notarial prudence when issuing covernotes. This emphasis serves as a crucial preventive measure against unlawful acts during the binding of banking credit agreements. To measure the utility of a new,...

Inclusive finance aims to provide universal, beneficial and fair financial services for poor areas, small and medium enterprises (SMES), low-income groups and other vulnerable groups. After the epidemic, financing difficulties of SMES are prominent and shows new features. In this paper, the application...

This paper selects 20 financial indicators of stock market of our country manufacturing industry 26 ST companies and 26 non ST listed companies as the research sample to construct the logistic model, the study found that: the level of profitability and expansion capacity of enterprises compared using...

Mobile payment platforms have developed rapidly due to their convenience and flexibility, low transaction and time costs. Based on trust theory, this paper constructs the structural equation model and the assumption of the willingness to use mobile payment platform based on the detailed analysis of personal...

Fishing is the main activity of the coastal fishermen of Padang City. Fishermen capture fish using three types of fishing gear; in boats motor, out boats motor and non-powered boats. The data used by the National Economic Survey, BPS, with a deep understanding of the survey results. The findings indicate...

This research aims to analyze the procedures and attributes of information system security from the implementation of credit service applications at Bank XYZ using a combination of COBIT Framework 5.0 and ISO 27001:13. The assessment focused on the security element of the information system consisting...

The rapid development of financial technology has accelerated the process of currency digitization. Legal digital currency, endorsed by national credit, has inherent advantages such as low circulation costs and high transaction efficiency. The issuance and circulation of legal digital currency will surely...

The purpose of this study was to determine the effect of third-party funds, capital adequacy ratio, non-performing loans, and return on assets on lending to commercial banks listed on the IDX in 2015–2022. The total population is 46 banking companies, and after going through several observations, 10...

The small loan companies play an important role in alleviating the financing difficulties of small and medium-sized enterprises in China, but they only make credit and cannot absorb public deposits, so they also face a shortage of funds. Asset securitization is an effective means for the financing of...

It has long been a debate about the nature of currency without a consistent conclusion. From the aspects of the generation, purpose, and form transformation of currency, this article discusses that currency’s basic function is "exchange medium", and points out that "credit" is the nature of currency.

The article is based on the visiting and the investigational study for the current portion of the shipping enterprises and the crew of the loss rate analysis and evaluation. In the context of the evaluation of the ships companies and crew’s integrity, put forward to constructing the electronic credit...

Green credit is paramount because they address environmental challenges, promote economic growth, and meet evolving societal expectations regarding sustainability. They not only contribute to enhancing our environmental conditions but also drive society towards sustainable development. This paper examines...

Self-help Groups (SHGs) have emerged as potent instruments for enhancing women’s empowerment in rural India, promoting financial inclusion and socioeconomic advancement. This study investigates the impact of SHGs on women in the East Godavari district of Andhra Pradesh, employing structured surveys and...

India’s credit market stands at a structural inflection point. Decades of supply-side constraint — characterised by rigid collateral requirements, high transaction costs, and an entrenched informational asymmetry between lenders and thin-file borrowers — have left an estimated credit gap of ₹25–37 trillion...

This project is the “Revelation and Command” (Quality Engineering) project of Shandong Commercial Vocational and Technical College, which belongs to the sub-project of Double High Construction. The credit bank connects with the construction of professional groups, leads the process of teaching and learning...

The implementation of online learning insisted the students obtain learning materials from various digital media by applying a self-directed learning approach. Youtube as one of the emerging video-based technological applications gives people opportunities to access information from several resources...

This research aimed to analyze implementation cashless government system at Ministry of Religious Ciamis Office to modernize the transaction of the state budget for transparent and accountable bureaucracy. The cashless government system is considered as part of public innovation to encourage public sector...

The processes of centralization are characteristic for the modern Russian economy. On the one hand, local companies try to go through the process of consolidation and go beyond the individual territory. On the other hand, large holdings themselves come to the regions, displacing local enterprises in...

With the rapid development of Internet finance, online lending services have become an important business. In China, the convenience of WeChat lending services (WCLS) has enhanced consumers’ perception of potential risks and greatly affected their willingness to use them. Based on the perceived risk...

Machine Learning (ML) has revolutionized the banking sector by enabling precise customer segmentation, marketing, and fraud analysis. This study entails predicting customer churn from a credit card customer dataset, which is demographic, transactional, and account-based. Supervised Machine Learning algorithms...

To study the development situation of rural land management right mortgage loan in China, this paper, taking pilot Faku County, in Liaoning province as an example, summarized the main practices and achievements of rural land management right mortgage loan, and analyzed the problems in the practice. The...

This study investigates how digitalization, bank size, and credit risk interact to influence profitability in Indonesian banks. Analyzing panel data from 48 banks (2019–2023) with fixed effects regression. Results show that bank size positively affects profitability, but digitalization has no significant...

This study aims to develop and validate a leadership competency scale for high school students using the partial credit model (PCM) and the confirmatory factor analysis (CFA). To do this, based on a comprehensive literature review, three sub-domains were newly set as ‘futuristic vision’, ‘group management’,...

This paper discusses the function of loan risk compensation in the collateral credit rationing model. According to the derivation of my model, we find when the bank have some requirements on interest and collateral, at the same time, we add the loan risk subsidy variable into the above model, loan risk...

Based on the survey data of farmers in shaanxi province in 2019, this paper attempts to identify the influencing factors of farmers' credit default risk from two aspects: farmers' willingness to repay loans and their ability to repay loans. This paper selects five indicators, including the farmer householder...

Research Contents: This paper analyzes the influence of regulatory policies of Shanghai real estate on the price of new houses in Shanghai from June of 2013 to December of 2017 by building VAR model and evaluates the effectiveness of regulatory policies. The policy of property purchase restrictions inhibits...

LightGBM algorithm is used to build an effective credit score prediction model for mobile users and improve the prediction system of personal credit score. Firstly, linear correlation is analyzed to build feature set, then k-means algorithm is used to analyze feature set clustering, and finally, credit...

Sustainable village economic development requires a balance between economic, social, and environmental aspects. The concept of Green Accounting emerges as an accounting approach that incorporates environmental impacts into economic decision-making processes. Lembaga Perkreditan Desa (LPD), or Village...

Financial literacy is a term that is currently used in many papers about a person’s literacy in managing his / her finance. Someone is said to be financially literate when he or she is able to take advantage of financial institutions and manage his / her finance. The efforts to improve financial literacy,...

On the basis of introducing the basic model of supply chain financing of small and medium-sized enterprises(SME), this paper analyzes the credit risk, operational risk and market risk faced by its supply chain financing. Furthermore, this paper analyzes the formation mechanism of the three kinds of risks...