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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...

Although the development of Chinese consumer credit is very fast, the development of consumer credit is not optimistic due to the expectations of residents. There is still a big gap with western countries. The study of the relationship between consumer credit and expected income has important practical...

Indonesia is a multiethnic country. Batak is one of ethnic that lives in North Sumatera Province. As an ethnic, Bataknese's life implements the culture as the way of life. Those cultures come from the ancestors who had been practicing the culture based on their need at the time. As the time going through...

Real estate development funds rely too much on bank loans, making the real estate investment market risk and financing credit risk concentrated in the bank. Based on the analysis of the loan risk factors in the real estate project construction, this paper establishes the risk assessment index system...

In this study, we first design a credit risk evaluation index of Internet Supply Chain Finance from the perspective of electronic commerce enterprises. Then, we determine the relative weights of variables in logistic regression. After that, we construct a credit risk assessment model based on the relative...

In this article research in the field of Bank’s deposit policy is conducted and deposit operations are classified. Special attention is paid to the analysis of savings and deposit accounts in the Jordan Commercial Bank based on quantitative analysis of current deposits. Also, external and internal factors,...

The bus process forget to take public transportation card lead to credit card by bus, the need to specify recharge recharge outlets is not convenient and the card balance inquiries inconvenient. In this paper, the design and the one based on near-field communication (NFC) no card bus software, using...

In the course of the study, the dynamics of the volumes of financing and crediting of agriculture of the Russian Federation, federal districts and agricultural producers of the Ulyanovsk region were studied. It allowed establishing differentiated access of regions and agricultural producers to budget...

This study discusses about regulation on independent of Financial Services Authority. The purpose of this study is to describe and analyze the functions of financial authorities in Credit Agreement Regulation and Oversight.

Today, people mainly consider credit risks from view of powerful players. The role of the Internet in the credit risk management is not fully. In this paper, we have a comprehensive look at the credit risks, so that, suggest two concepts: binary credit risk and triad credit risk. The Internet of intelligences...

The issue of leasing of hardware and software solutions in health care systems is considered in the context of the project RFMEFI577170254 “Intraoperative navigation system with support of augmented reality technology on the basis of virtual 3D models of organs obtained from CT diagnostics for minimally...

Big data technology has great application value in Internet finance, which can well solve the problem of supervision failure caused by the rapid development of Internet finance in China. Based on the panel data of 31 provinces and cities in China from 2013 to 2019, this paper constructed a panel regression...

Trust is very expensive. The banking business is a trust business. If the public's trust in banking collapses, the bank will automatically go bankrupt. The poor condition of the banking system in Indonesia is caused by several factors: problematic credit distribution, moral hazard, excessive owner...

This paper introduced the concepts and features of credit risks in commercial banks. It mainly discussed the significance, classifications and the major methods of credit risk identification. According to list advantages and disadvantages of identification methods, it made some suggestions about credit...

With the development of Internet finance, rapid and profound changes are taking place in the global technology and financial fields. The development of an innovative business model that combines technology and finance is booming in the field of Internet banking. In 1995, Security First Network, the first...

Capacity-building is defined as the process of developing and strengthening the skills, instincts, abilities, processes, and resources that organizations and communities need to survive, adapt, and thrive in a fast-changing world. An essential ingredient in capacity-building is the transformation that...

This paper collected earthquake cases related data in China mainland from 1993 to 2015, we used three geographical detectors (risk detector, factor detector, and interaction detector) based on spatial variation analysis of some potential factors to assess quantitatively their effects on the mortality....

Credit Linked Note (CLN) is a kind of structured financial derivative that is booming. Based on analysis and comparisons toward different kinds of CLN products from different countries, the current status of CLN products has been introduced. Specifically, the characteristics (e.g., rates and periods)...

Conventional banks are banking financial institutions that function as intermediary institutions in the economic field that bring various impacts in the smooth implementation of the development of the city of Sidoarjo. Good governance and lending are one of BPR’s main activities as an intermediary institution....

As the global climate change and environmental problems become more serious day by day, Green Financial is becoming an important tool for the promotion of sustainability. This paper aims at the analysis of the status quo of Chinese commercial banks in order to identify their challenges and put forward...

The main aim of this study is to analyze factors, which affect SME's export competitiveness in Kazakhstan. In order to achieve the aim, the survey was conducted. The numbers of respondents were 40 SMEs, which is located particularly in Almaty, Kazakhstan. Moreover, in order to testify the relationship...

Since the "the Belt and Road Initiative" initiative was put forward in 2013, China's investment in "the Belt and Road Initiative" countries along the belt and road has been increasing, which has played a positive role in promoting the political, economic, cultural and social development of the countries...

In recent years, the Belt and Road Initiative has provided a good platform for countries along the route to achieve win-win benefits, but there are still some weaknesses in financing. This paper tries to solve the problems in the financing of various countries under the Belt and Road Initiative background,...

A new financial products is an important result of financial innovation, but in the market circulation it will encounter the problem of inadequate credit, in order to be accepted by the market it should go through credit enhancement.Based on this situation, this paper set asset securitization as an example.Its...

The growth of credit in Indonesian Banking industry tends to be slower in period 2011 until 2016 whereas the credit growth only 7.87% compare to 10.4% in 2016. But based on the important role of the banking sector for economic development, the regulator should manage the risk of the credit in order to...

The article deals with the problem of risk reduction of the banks’ credit portfolio. The new mechanism for credit portfolio quality management is proposed, featuring a combination of quantitative and qualitative criteria for assessing the credit portfolio quality and its monitoring. This mechanism supports...

The article analyzes the P2P lending, one of the main formats of internet finance. Firstly, the EGARCH-GED model is used to analyze the fluctuation of the yield of China’s P2P lending. The empirical results show that the fluctuation of online loan yield has clustering and risk accumulation effects, and...

Plagiarism in academic research is on the rise. It is common practice to post stuff that was taken directly from the internet without giving the author credit. The researcher used a variety of tactics, including copy-paste, idea plagiarism, paraphrasing, artistic plagiarism, code plagiarism, forgotten...

Achieving good financial health requires preparing funds for future needs such as education, healthcare, ceremonial expenses, and retirement. In rural communities in Bali, these funds can be managed through participation in term deposit programs offered by Village Credit Institutions or Lembaga Perkreditan...

This study uses Aspen Plus to simulate the gasification process in downdraft gasifier according to the characteristics of waste in Indonesia, using a combination of air and oxygen with equivalence ratios (ER) 0.23, 0.30 and 0.40. From the simulation results, it was obtained that the highest value of...

Subject of this research are the economic relations arising in the course of assessment of financial stability of banking system of Russia. The banking system has a key impact on the functioning of the entire economic system as a whole under current unstable conditions of economic development. Banks...

To promote low-carbon living, the Chinese government has introduced a dual-credit policy aimed at accelerating the development of China’s new energy market. As this market grows, core battery technology for new energy vehicles (NEVs) remains controlled by companies with independent R&D capabilities....

The best of Indonesian tobacco produced in the district of Temanggung, Central Java. However, condition of tobacco farmers there turned out to be far from prosperous. Data from the official website YLKI (2008) mentioned that the wages of farmers and farmer workers on average only about Rp413.374 / month....

Modeling credit and default risk has been a surge since Moody’s KMV mode is proposed during the past two decades and non-financial factors incorporating fluctuation of capital market and macroeconomic status are taken into account in the subsequent research. Despite these notable efforts, few studies...

Modern society is a law-governed one based on credit. As the product of consensus among stakeholders, standards play an important role in social and economic activities. The article examines the way and mechanism that standards help building credit among stakeholders involved in social and economic activities,...

To meet their ever-changing financial needs, people employ various strategies, such as credit financing. PT. XYZ is a consumer finance company that offers financing without collateral (hire purchase). Hire purchase is significant unsecured financing offered when a consumer fails to pay, and the company...

In recent years, credit card fraud has become increasingly rampant, posing a major threat to financial security. To effectively detect and prevent credit card fraud, this study combines three machine learning algorithms, namely Random Forest (RS), Support Vector Machine (SVM), and Logistic Regression...

The bad staff performance of the company caused poor company performance. In this research, Bank X experienced a decrease in its net income in 2012 which was caused by the increase of its operational load towards the operational income. Bank X noted a 24% less net income compared to that of 2011. This...

The recent online system plays a role in all aspects of world life. Globalization signals all humanity to carry out reforms, including in the financial sector. Fiduciary who later became a supporter of the credit agreement is now also shifting dimensions to an online system with a degree of efficiency...