A hybrid decision support system with golden cut and bipolar q‑ROFSs for evaluating the risk‑based strategic priorities of fintech lending for clean energy projects

In the last decade,the risk evaluation and the investment decision are among the most prominent issues of efficient project management.Especially,the innovative financial sources could have some specific risk appetite due to the increasing return of invest-ment.Hence,it is important to uncover the risk factors of fintech investments and investigate the possible impacts with an integrated approach to the strategic priorities of fintech lending.Accordingly,this study aims to analyze a unique risk set and the stra-tegic priorities of fintech lending for clean energy projects.The most important contri-butions to the literature can be listed as to construct an impact-direction map of risk-based strategic priorities for fintech lending in clean energy projects and to measure the possible influences by using a hybrid decision making system with golden cut and bipolar q-rung orthopair fuzzy sets.The extension of multi stepwise weight assessment ratio analysis(M-SWARA)is applied for weighting the risk factors of fintech lending.The extension of elimination and choice translating reality(ELECTRE)is employed for con-structing and ranking the risk-based strategic priorities for clean energy projects.In this process,data is obtained with the evaluation of three different decision makers.The main superiority of the proposed model by comparing with the previous models in the literature is that significant improvements are made to the classical SWARA method so that a new technique is created with the name of M-SWARA.Hence,the causality analysis between the criteria can also be performed in this proposed model.The find-ings demonstrate that security is the most critical risk factor for fintech lending system.Moreover,volume is found as the most critical risk-based strategy for fintech lending.In this context,fintech companies need to take some precautions to effectively manage the security risk.For this purpose,the main risks to information technologies need to be clearly identified.Next,control steps should be put for these risks to be managed properly.Furthermore,it has been determined that the most appropriate strategy to increase the success of the fintech lending system is to increase the number of financi-ers integrated into the system.Within this framework,the platform should be secure and profitable to persuade financiers.

Diverse Climatic and Anthropogenic Impacts on Desertification in the Middle Reaches of Yarlung Zangbo River Catchment on the Tibetan Plateau

The unique desertification processes occurring under the Alpine climate and ecosystem on the Tibetan Plateau could provide critical clues to the natural and anthropogenic impacts on desertification.This study used the Landsat data to investigate the spatial and temporal distribution of desertification from 1990 to 2020 in two areas(Shannan and Mainling),within the Yarlung Zangbo River Basin.The results show not only distinct spatial patterns but also various temporal changes of desertification.In Shannan,aeolian sand was distributed over wide areas from valley floor to mountain slope,while in Mainling,it is distributed sporadically at the footslope.The aeolian sandy land initially expanded before undergoing long-term shrinkage in Shannan.While in Mainling,it steadily expanded followed by a rapid decrease.These changes are attributed to both climate change and human activites.The increase in temperature causes desertification expansion in Shannan,while favorable climate conditions coupled with decreasing human activity promoted desertification reversal.However,both the expansion and shrinkage of desertification were sensitive to human activity in Mainling.This highlights the diverse responses of desertification to natural and anthropogenic impacts on different backgrounds of climatic and vegetation coverage.A threshold of climatic conditions may control the dominance factors in desertification,shifting from natural to anthropogenic elements.

The impacts of base level and lithology on fluvial geomorphic evolution at the tectonically active Laohu and Hasi Mountains,northeastern Tibetan Plateau

Previous researches had emphasized tectonic impacts on the fluvial system at the tectonically active areas,while the effects of lithology and local base level change have received relatively rare attention.Here we investigated fluvial landforms at different spatial scales,focusing on knickpoints and channel network reorganization from an area affected by the Haiyuan Fault in the northeastern Tibetan Plateau.The geomorphic indices,i.e.,drainage pattern andχanomalies,were calculated and investigated.The results show that two regional radial drainages formed around the Laohu and Hasi Mountains.Within the interior of the radial drainage,tributaries from the southeast side of the Laohu Mountain experienced near 180°direction change.We interpret this as the gradual drainage capture originating from the height difference(~190 m)of the local base level between the two catchments.Some tributaries from the Hasi Mountain show alternating gorges and broad valleys controlled by lithology.Besides,tectonic uplift and the lowering of base level(from the incision of the Yellow River)triggered an autogenic positivefeedback transition from parallel to dendritic drainage patterns.These observations suggest that base level change and lithology play a crucial role in landscape evolution,even in a tectonically active region.