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Most of English texts written by Indonesian students do not reflect the characteristics of English written text, even their texts resemble spoken texts conveyed through writing. A written text should be different from a spoken text for their different characteristics. The complexity of grammar in clause...

With the rise and development of financial technology in recent years, the financial industry has begun to achieve innovation in various consumer financial services by virtue of its large customer base, thus gradually gaining the advantages of big data technology. Technological innovation has driven...

Credit risk is the most important function of derivatives market, and is also the basic reason of the developing of stock market. As one of the most important species of financial derivatives, derivatives option pricing is important to avoid the systemic risk of stock markets. As the main method of risk...

Amidst intensifying global competition and the accelerating digital transformation, corporate working capital management has evolved from an isolated financial function into a collaborative supply chain-oriented process. This paper explores the working capital management approaches of Company S, a prominent...

The new applications of annual fiscal accounting analysis at the risk assessment are discussed in this paper. The system analysis methods that can be used to identify the industry or sector of the companies based on their annual fiscal accounting are described. All necessary calculations and computer...

This study investigates the challenges and opportunities in unlocking private debt financing for transport cooperatives (TCs) in the Philippines, focusing on their role in the modernization of informal public transport (IPT). TCs, operating with fragmented ownership and limited creditworthiness, struggle...

The massively increasing of micro, small and medium enterprises (SMEs) is prompting changes in the competition of enterprises and supply chains, which put forward higher requirements to risk controlling level of supply chain financing. The development and innovation of logistics financing provides an...

This paper investigates the loan conditions and bank risk exposure for the risk valuation factors of loans within the commercial bank industry. We use the listed companies in the Taiwan Economic News, sort out the financial indicators in 2007-2018, and empirically explores the impact of enterprises on...

The article specifies that the process of anti-crisis management in a commercial bank should be an integral part of the accounting, customer, interest and credit policies of the bank, containing strategic directions of banking activities in the field of its active and passive operations, especially determining...

MOOC is currently facing the challenge of high dropout rates. The irrationality of course certification model is an important reason. This article analyzes the current major MOOC certification models and the various challenges. We divide the MOOC certification model into four categories: course certification,...

The purpose of this study is to comprehend the meaning of factors which cause problematic home loan (KPR) and alternative solutions for the development of national banking performance. This study used sociolegal (socio juridical) method, with the aim of identifying credit problems and legal rules on...

Supply chain finance is an efficient method to solve small and medium-sized enterprise's financing problem. An important issue is to simulate the supply chain finance system's credit risk. This paper will use the method of system dynamics, basing on the small and medium-sized enterprise finance credit...

Public Housing Credit is a government program through BANK BTN for people who are prioritized for those who do not yet have a residence. Cirebon is one area that has many housing development KPR projects. One of the KPR company PT. Karya Berkah Gemilang which is located in Cirebon Regency is competing...

As the main service object of inclusive finance, the financing problem of small and micro enterprises has not been effectively solved although it has been widely concerned. In the current situation of imperfect development of the credit industry in China, the construction of the credit index system of...

This study is a library research about the development of Ma’had Aly in Indonesia. The result of this study shows that Java Island still dominates the distribution of Formal Ma’had Aly while some islands like Nusa Tenggara, Maluku and Papua don’t. Moreover, the current Ma’had Aly is still dominated by...

In the context of global economic integration, multinational corporations (MNCs) face significant currency risks due to cross-border transactions involving multiple currencies. This study evaluates the effectiveness of hedging strategies—including futures, forwards, options, swaps, and loan hedging—through...

With the ongoing globalisation of the economy, the competitive situation in the international financial market is becoming increasingly severe and the room for survival of SMEs is severely compressed, so the study of their financing has become a subject of concern. In terms of the influence of SMEs on...

To operate successfully in this credit card industry, various kinds of credit cards are offered to distinct user groups. This empirical study is conducted in Malaysia, and it examines the features of different types of credit card available. By using descriptive and one-way ANOVA test, this study analyses...

In 2005, The People's Bank Of China decided to allow the establishment of small loan company and its policy that credit is included and deposit is excluded has attracted widespread attention since then. In the end of that year, the Rishenglong Small Loan Company was founded, which marked the new beginning...

Consumer finance is becoming significantly important nowadays, given the reform of financial system and the development trend of financial internationalization. In recent years, the scale of consumer finance market in China has developed rapidly. Based on the first hand data collection through online...

The given article highlights the current conditions of Uzbek commercial banks loan portfolios at the contemporary stage as an indicator of successful balancing between bank and commercial capitals; it also underlines the overwhelming demand for bank loans from the borrowers. As the bank system is actively...

This study aimed to obtain empirical evidence about the effects of capital and liquidity on profitability with credit problem as a moderating variable among conventional commercial banks listed in IDX during 2014-2018. In this study, the data was obtained from the annual financial reports of conventional...

Loan guarantees between parent and subsidiary is the main related transaction in business group, its correct estimation is the foundation of controlling group’s credit risk. Applying option theory, this paper researches the vulnerable option characters of loan guarantees, gives the valuation model under...

In order to explore the e-commerce enterprises currently exist in the main financial risks,this article to Alibaba as an example, using Harvard analysis framework, from the strategic, accounting, financial and prospects of the level of analysis. The research shows, alibaba's main financial risk exists...

To objectively evaluate the credit level of Metaverse listed companies, this paper introduces technological innovation capability into the index system, and constructs the credit evaluation index of Metaverse listed companies from five aspects: profitability, solvency, growth capability, operational...

With the support of financial deepening and financial disintermediation theory, the Internet finance has been on a right track gradually. The "new financial intermediation" theory has promoted the development of Internet finance, compared to the traditional finance where it is involved in hot competitions;...

In the post-poverty alleviation era, how to achieve sustainable poverty reduction is the most concerned issue. Therefore, adjusting the means of poverty alleviation is very important. Based on the data from 2014-2016 Statistical Yearbook of Tibetan Areas in Sichuan, this paper used the DEA-Malmquist...

The fuzzy sets theory cannot accurately reflect the hesitation or abstention of decision makers. In view of this problem, introducing the intuitionistic fuzzy sets, we put forward a credit risk evaluation model of big data enterprises based on intuitionistic fuzzy sets. Firstly, a credit risk evaluation...

This paper deeply discusses the key role of “specialized and special new” enterprises in promoting high-quality economic development, and analyzes the successful experience of Germany, Japan and other countries in cultivating similar enterprises. This paper compares the policies and measures of some...

in current, China's rural financial system is not perfect, the issues of imbalance rural credit structure and others are outstanding, resulting in a low level of rural financial services. In the third plenary session of the eighteenth communist party of China, it has put forward new demands for China's...

Since there is 100 million people with an income less than USD2.00 per day, poverty considered as a major problem in Indonesia. Microfinance as an important solution in poverty alleviation program, could not yet meet the needs of 500 million poor people to small business credit to improve their business...

Financial statement fraud or accounting fraud is any intentional act or omission that results in materially misleading financial statements. Previous research has shown that variables that influence the tendency of accounting fraud, such as the bystander effect and internal control. This study aims to...

Historically, financial crises have crippled individuals, businesses and global economies; identifying prospective threats accurately can mitigate their repercussions. This paper examines the annual economic statistics in fourteen developed countries from 1870 to 2008. We demonstrate the variations of...

This paper firstly studies the transmission path of rural bank's credit risk, and analyzes the credit risk transmission effects, which include Domino effect, coupling effect and broken window effect, then depicts their behavior and characteristics. Based on game theory, the paper explores the mechanisms...

The Executive Professional Rules are the basic documents of managing and carrying out credit recognition for standardized professional teaching process, which are independently selected by learners, formulated by branch campuses and submitted to provincial Open University for review. The branch campuses...

Taking 36 subdivided industrial sectors as research samples, this paper empirically analyzes the impact of resource mismatch between industries on environmental efficiency. The results show that resource mismatch between industries will significantly reduce environmental efficiency. Based on the results...

Digitization and intelligence are irreversible trends in the process of improving the efficiency of audit business. Data security, privacy protection, data traceability and data verifiability have become the necessary prerequisites for digitalization and intelligence of audit. The current digitalized...

In recent years, the demand for personal credit loans has been increasing day by day. For banks, how to accurately identify and effectively predict whether borrowers will repay on time is a highly concerning issue. To effectively address a series of key problems existing in traditional loan risk prediction...

Back-Propagation Neural Network (BPNN) algorithm is a widely used technique implemented in many engineering disciplines. Despite solving several practical problems around the globe, BPNN still faces problems like slow convergence, network stagnancy and convergence to local minima. Many alternative ways...

The development of business unit needs will increase the business capital cause fiduciary plays an important role in the provision of credit banks or financing institutions. The Fiduciary Guarantee Institution with the legal foundation of Law No.42 of 1999, is present to meet the legal needs that can...

The research aims to study the value created by the foreign shareholders in the Indonesia banking industry from 2016-2018. The research analyzed the performance of foreign-owned banks versus domestic owned banks. The banking industry is one of main drivers of the main drivers of economic growth. The...

At present, the number of domestic and foreign literature on modeling and analyzing financial risk contagion based on complex network theory is large and rich. These models can be mainly divided into four aspects: continuous, credit, behavioral, and discrete. In this paper, we have made a more comprehensive...

This study aims to analyze the effect of co-brand preference, perceived benefits of co-branding, and co-brand equity toward intention to use the co-branded credit card and airline. The research model consists of three independent variables and one dependent variable. The entire hypothesis proposed about...

Aiming at the higher requirements on product quality imposed by the dual-credit policy, this study takes the two-level supply chain system composed of a single battery supplier and a single new energy vehicle manufacturer as the object of study. On the basis of comprehensively considering the impact...

Under the background of "One Belt and One Road" and "the setting up of the investment bank", the new emerging business and trade in the southeast and south Asia area begin to explore its management and cooperation mode. This will largely promote the development of small and medium-size enterprises (SMEs)...

Nowadays, the risks of China's online lending platform mainly come from imperfect credit system, weak supervision of the network lending platform, and imperfect legal system. This paper takes the representative company in P2P network lending industry—the Yirendai as analysis object to analyze the company’s...

Professional ethics refers to the basic ethics that practitioners should follow in their professional life. And it is a self-restraining code of conduct for all kinds of practitioners. The professional ethics of financial after-sales service personnel is the code of conduct that financial after-sales...

One criteria to achieve the sustainability of a university is when all fund needed can be fulfilled well. And to reach stable university financial is by determining an accurate tuition fee for the students. So then, this research has an objective to determine the Tuition Fee per Credit Hour per Student...

Financial distress in local governments occurs when a region is unable to fulfill its debt obligations, creating risks to fiscal stability and regional economic health. This condition is especially concerning for governments that rely heavily on loans to fund infrastructure projects, as repayment failures...

Tradable credit as a new type of toll has the advantages of optimizing the transportation system, changing travel time and relieving congestion pressure, and has received much attention in recent years for research. The economic cost is defined as a fixed percentage of the transaction ratio, and under...