Nowadays,with the development of the digital economy,commercial banks are actively conducting digital transformation.Studying the impact of the digital transformation of commercial banks on their operating performance...Nowadays,with the development of the digital economy,commercial banks are actively conducting digital transformation.Studying the impact of the digital transformation of commercial banks on their operating performance can help commercial banks form a stronger core competitiveness and promote high-quality financial development.Based on the above background,this article first describes the status and development of digital transformation and development of commercial banks,and secondly analyzes whether Chinese commercial banks’digital transformation is conducive to improving their operating performance.Thirdly,by selecting the data of the listed commercial banks in the ten years of 2012–2022,this article obtains the empirical testing of the digital transformation on different property rights.Finally,the higher the level of digitalization,the higher the digital level,the more significantly promotes the performance of commercial banks.Finally,based on the above analysis,this article puts forward feasibility opinions on commercial banks and related regulators.展开更多
Internet finance has structural impact and market impact on commercial banking.Various forms of Internet finance such as third-party payment,crowdfunding,P2P lending,and internet money funds have emerged.Due to their ...Internet finance has structural impact and market impact on commercial banking.Various forms of Internet finance such as third-party payment,crowdfunding,P2P lending,and internet money funds have emerged.Due to their low cost,high efficiency,and diversification characteristics,an increasing number of people are utilizing Internet finance for their businesses.This trend significantly affects traditional commercial banking operations and presents challenges.In order to gain competitive advantages through Internet finance,this paper explores how commercial banks can leverage their traditional business models.It introduces the concept,model,and characteristics of Internet finance;analyzes the importance of asset management for commercial banks;examines the influence of Internet on commercial bank’s asset management;finally proposes countermeasures for the development of Internet finance.It is advocated that commercial banks should actively explore the road of“structured finance”with all-round structural reform in the future.展开更多
Credit risk is one of the main risks the commercial banks faces all over the world,especially in the risk structure of the banks of China.In order to control credit risk more scientifically,we shall connect the qualit...Credit risk is one of the main risks the commercial banks faces all over the world,especially in the risk structure of the banks of China.In order to control credit risk more scientifically,we shall connect the qualitative analysis and the quantitative analysis.Put forward by J.P.Morgan Credit Metrics model is the application of the VaR in the field of credit risk,showing great advantage in quantitative bonds and credit risk of loan.This paper studies the Credit Metrics model and analyzes the hypothesis and framework of this model,attempting to explore the application of the model in China in order to promote the realization of the risk quantification of the commercial banks of China.展开更多
This article brings forward the conception of potential and filed potential in bank's competition under the inspiration of law of electric current in electrodynamics. It discusses the impact of potential shifting ...This article brings forward the conception of potential and filed potential in bank's competition under the inspiration of law of electric current in electrodynamics. It discusses the impact of potential shifting on commercial bank's credit scale and builds up a model for commercial bank to control the scale by credit pricing and risk policy in a dynamic way, and also gives some advice to domestic commercial bank for improving loan business, aiming to settle down the existing credit management problems.展开更多
The African government has implemented measures to sustain an investable economic downturn as it navigates the fiscal effect of the viral spread of coronavirus disease 2019(COVID-19).Consequently,commercial banks in A...The African government has implemented measures to sustain an investable economic downturn as it navigates the fiscal effect of the viral spread of coronavirus disease 2019(COVID-19).Consequently,commercial banks in Africa have come hand in hand toward support of SMEs activities by increasing their borrowing power and reducing interest rates.Despite all these measures the general performance of small and medium enterprises(SMEs)across Africa as pertains to revenues and profits has gone down.This paper provides a theoretical analysis of the measures undertaken by commercial banks to ensure proper running and continuity of activities in the SMEs sector in Africa.The research is founded on the theories of innovation diffusion and resource-based theory.This study will use a mixed research design,which will include descriptive and explanatory research.The proposed target population will be Africa’s thriving commercial banks.The primary and secondary data will be used from commercial bank reports and the central bureau of statistics reports across Africa.The data will be analyzed using a multiple linear regression model.The finding indicated that commercial banks in Africa have brought in solutions and measures to adapt to the crisis being implicated on the SMEs by the COVID-19 pandemic.Based on the findings of the desktop reviews,the study concludes that commercial banks have a significant influence on SMEs during this period of COVID-19,and with the assistance of the government,they have implemented more policies to support the activities of SMEs.展开更多
As we all know, the development of Internet-based financial model of commercial banks have impacted the traditional banking business, but this much impact in the end, whether commercial banks caused a fatal impact, th...As we all know, the development of Internet-based financial model of commercial banks have impacted the traditional banking business, but this much impact in the end, whether commercial banks caused a fatal impact, this article will focus on the analysis.展开更多
In July 2014,《International Financial Reporting Standard 9:Financial Instruments》(Referred to IFRS 9)was formally published. Compared to the former standard,《International Accounting Standard 39: Financial Instrume...In July 2014,《International Financial Reporting Standard 9:Financial Instruments》(Referred to IFRS 9)was formally published. Compared to the former standard,《International Accounting Standard 39: Financial Instruments》(Referred to IAS 39), rules of two main aspects, the classification and measurement of financial assets and the impairment model of financial assets have been changed in IFRS 9. Taking ICBC as an example, this paper studies the impact of changes in financial instruments on commercial banks. The study shows three impacts on commercial banks’ financial report. Firstly, the changes of the classification and measurement of financial assets will have limited impacts on commercial banks. Secondly, the expected-loss model will significantly increase the loan loss reserves under the new standard, thus reducing the net asset and net profit. Thirdly, the change in the measurement way of the equity instruments of available-for-sale securities will increase the fluctuation of the net profit. This study shows investors and regulators the impact of the new standard of financial instruments on commercial banks.展开更多
The soil seed bank is considered as an important mechanism for the natural regeneration, resilience and conservation of the forests after disturbances. This study evaluates the characteristics of the soil seed bank in...The soil seed bank is considered as an important mechanism for the natural regeneration, resilience and conservation of the forests after disturbances. This study evaluates the characteristics of the soil seed bank in two post-logging plots of Loundoungou-Toukoulaka Forest Management Unit: one plot exploited in 2008 and another exploited in 2021. In each study plot, 40 samples were collected per soil layer (0 - 5 cm, 5 - 10 cm, 10 - 15 cm, 15 - 20 cm and 20 - 25 cm depth). The species diversity and abundance of the soil seed bank were estimated after soil samples were brought to germination. The results demonstrated that 347 seedlings belonging to 37 species in the plot exploited in 2008 and 418 seedlings belonging to 27 species in that exploited in 2021 germinated during 20 weeks of monitoring. The total densities of the seedlings identified were respectively 1446 seedlings/m<sup>2</sup> and 1742 seedlings/m<sup>2</sup>. The plot exploited in 2021 presented a higher proportion of herbaceous species (93.78%) compared to that exploited in 2008 (82.71%). Two pioneer species were recorded in the plot exploited in 2008. These are Macaranga barteri (0.29%) in the 0 - 5 cm layer and Musanga cecropioides (2.31%) up to 20 cm deep. On the other hand, in the plot exploited in 2021, Macaranga spinosa (0.96%) in the 0 - 5 cm layer and M. cecropioides (0.96%) up to 20 cm deep were identified. In the plot exploited in 2008, the 20 - 25 cm layer demonstrated important proportions in woody species (9%), these are in particular Rubiaceae sp.4 and Nauclea diderrichii. While that exploited in 2021, presented 19% of woody species, namely the species of Rubiaceae sp.4, Rubiaceae sp.5 and N. diderrichii, greatly exceeding the proportions obtained in the 15 - 20 cm layer of the two plots. Nonetheless, N. diderrichii was the only commercial species recorded with densities of 108 seedlings/m<sup>2</sup> and 4 seedlings/m<sup>2</sup>, respectively in the plot exploited in 2008 and that exploited in 2021. Commercial tree species are poorly represented in the soil seed bank. Consequently, the study suggests that to improve the natural regeneration of the commercial species, silvicultural interventions based on planting techniques in the exploited plots should be more effective in order to sustainably manage these production forests.展开更多
The study investigated mobile banking and commercial banks’performance nexus in Zimbabwe for the period 2011-2021.The investigation employed a pragmatic approach and a descriptive design.Primary data as well as secon...The study investigated mobile banking and commercial banks’performance nexus in Zimbabwe for the period 2011-2021.The investigation employed a pragmatic approach and a descriptive design.Primary data as well as secondary data were used to achieve the study objectives.Questionnaires,interviews and documentary guides were used to collect primary and secondary data respectively.There were 108 questionnaires distributed to staff members and customers of 6 sampled commercial banks in Zimbabwe having mobile banking experience.The interview guide was administered to bank managers to get a deeper understanding of the topic under research and as a mitigation strategy for addressing the flaws of the questionnaires.Analysis of quantitative data utilised descriptive analysis tools,correlations analysis tools as well as regression analysis tools whereas theme analysis was used for qualitative data.SPSS version 26 was used for this purpose.The study implications established that mobile banking and commercial banks’performance nexus in Zimbabwe was significant and also enhanced mobile banking security capabilities and strengthened commercial banks’performance.The investigation concluded that mobile banking’s success in enhancing commercial banks’performance hinged on its ability to allow the user to get easier,cheaper and timely access to services.However,the study results showed that the cost of mobile banking services,government policies and intense competition inhibited the uptake of banking services.Commercial banks are recommended to continue strengthening the security of mobile banking services and to boost their uptake by bank customers in Zimbabwe.展开更多
Evaluation of commercial banks(CBs)performance has been a signicant issue in the nancial world and deemed as a multi-criteria decision making(MCDM)model.Numerous research assesses CB performance according to different...Evaluation of commercial banks(CBs)performance has been a signicant issue in the nancial world and deemed as a multi-criteria decision making(MCDM)model.Numerous research assesses CB performance according to different metrics and standers.As a result of uncertainty in decision-making problems and large economic variations in Egypt,this research proposes a plithogenic based model to evaluate Egyptian commercial banks’performance based on a set of criteria.The proposed model evaluates the top ten Egyptian commercial banks based on three main metrics including nancial,customer satisfaction,and qualitative evaluation,and 19 subcriteria.The proportional importance of the selected criteria is evaluated by the Analytic Hierarchy Process(AHP).Furthermore,the Technique for Order of Preference by Similarity to Ideal Solution(TOPSIS),Vlse Kriterijumska Optimizacija Kompro-misno Resenje(VIKOR),and COmplex PRoportional ASsessment(COPRAS)are adopted to rank the top ten Egyptian banks based on their performance,comparatively.The main role of this research is to apply the proposed integrated MCDM framework under the plithogenic environment to measure the performance of the CBs under uncertainty.All results show that CIB has the best performance while Faisal Islamic Bank and Bank Audi have the least performance among the top 10 CBs in Egypt.展开更多
China’s commercial banks have developed at a very rapid speed in recent decades.However,with global economic development slowing down,the impact of gross domestic product growth as an exogenous factor cannot be ignor...China’s commercial banks have developed at a very rapid speed in recent decades.However,with global economic development slowing down,the impact of gross domestic product growth as an exogenous factor cannot be ignored.Most existing studies only consider the internal factors of banks,and neglect their external economic factors.This study thus adopts an undesirable dynamic slacks-based measure under an exogenous model in combination with the Kernel density curve to explore the efficiency of state-owned commercial banks(SOCBs),joint-stock commercial banks(JSCBs),and urban commercial banks(UCBs)in China from 2012 to 2018.The results show that SOCBs have the highest overall efficiency,followed by JSCBs,then UCBs.The efficiencies of SOCBs,JSCBs,and UCBs in the financing stage are greater than those in the investment stage,indicating that the latter stage brings down overall efficiency.Thus,all commercial banks need to focus on the efficiency of non-performing loans and return on capital.Finally,SOCBs need to strengthen internal controls,reduce non-performing loans and improve return on capital.JSCBs should actively expand its business while controlling costs,and UCBs should optimize its management.展开更多
文摘Nowadays,with the development of the digital economy,commercial banks are actively conducting digital transformation.Studying the impact of the digital transformation of commercial banks on their operating performance can help commercial banks form a stronger core competitiveness and promote high-quality financial development.Based on the above background,this article first describes the status and development of digital transformation and development of commercial banks,and secondly analyzes whether Chinese commercial banks’digital transformation is conducive to improving their operating performance.Thirdly,by selecting the data of the listed commercial banks in the ten years of 2012–2022,this article obtains the empirical testing of the digital transformation on different property rights.Finally,the higher the level of digitalization,the higher the digital level,the more significantly promotes the performance of commercial banks.Finally,based on the above analysis,this article puts forward feasibility opinions on commercial banks and related regulators.
文摘Internet finance has structural impact and market impact on commercial banking.Various forms of Internet finance such as third-party payment,crowdfunding,P2P lending,and internet money funds have emerged.Due to their low cost,high efficiency,and diversification characteristics,an increasing number of people are utilizing Internet finance for their businesses.This trend significantly affects traditional commercial banking operations and presents challenges.In order to gain competitive advantages through Internet finance,this paper explores how commercial banks can leverage their traditional business models.It introduces the concept,model,and characteristics of Internet finance;analyzes the importance of asset management for commercial banks;examines the influence of Internet on commercial bank’s asset management;finally proposes countermeasures for the development of Internet finance.It is advocated that commercial banks should actively explore the road of“structured finance”with all-round structural reform in the future.
文摘Credit risk is one of the main risks the commercial banks faces all over the world,especially in the risk structure of the banks of China.In order to control credit risk more scientifically,we shall connect the qualitative analysis and the quantitative analysis.Put forward by J.P.Morgan Credit Metrics model is the application of the VaR in the field of credit risk,showing great advantage in quantitative bonds and credit risk of loan.This paper studies the Credit Metrics model and analyzes the hypothesis and framework of this model,attempting to explore the application of the model in China in order to promote the realization of the risk quantification of the commercial banks of China.
文摘This article brings forward the conception of potential and filed potential in bank's competition under the inspiration of law of electric current in electrodynamics. It discusses the impact of potential shifting on commercial bank's credit scale and builds up a model for commercial bank to control the scale by credit pricing and risk policy in a dynamic way, and also gives some advice to domestic commercial bank for improving loan business, aiming to settle down the existing credit management problems.
文摘The African government has implemented measures to sustain an investable economic downturn as it navigates the fiscal effect of the viral spread of coronavirus disease 2019(COVID-19).Consequently,commercial banks in Africa have come hand in hand toward support of SMEs activities by increasing their borrowing power and reducing interest rates.Despite all these measures the general performance of small and medium enterprises(SMEs)across Africa as pertains to revenues and profits has gone down.This paper provides a theoretical analysis of the measures undertaken by commercial banks to ensure proper running and continuity of activities in the SMEs sector in Africa.The research is founded on the theories of innovation diffusion and resource-based theory.This study will use a mixed research design,which will include descriptive and explanatory research.The proposed target population will be Africa’s thriving commercial banks.The primary and secondary data will be used from commercial bank reports and the central bureau of statistics reports across Africa.The data will be analyzed using a multiple linear regression model.The finding indicated that commercial banks in Africa have brought in solutions and measures to adapt to the crisis being implicated on the SMEs by the COVID-19 pandemic.Based on the findings of the desktop reviews,the study concludes that commercial banks have a significant influence on SMEs during this period of COVID-19,and with the assistance of the government,they have implemented more policies to support the activities of SMEs.
文摘As we all know, the development of Internet-based financial model of commercial banks have impacted the traditional banking business, but this much impact in the end, whether commercial banks caused a fatal impact, this article will focus on the analysis.
文摘In July 2014,《International Financial Reporting Standard 9:Financial Instruments》(Referred to IFRS 9)was formally published. Compared to the former standard,《International Accounting Standard 39: Financial Instruments》(Referred to IAS 39), rules of two main aspects, the classification and measurement of financial assets and the impairment model of financial assets have been changed in IFRS 9. Taking ICBC as an example, this paper studies the impact of changes in financial instruments on commercial banks. The study shows three impacts on commercial banks’ financial report. Firstly, the changes of the classification and measurement of financial assets will have limited impacts on commercial banks. Secondly, the expected-loss model will significantly increase the loan loss reserves under the new standard, thus reducing the net asset and net profit. Thirdly, the change in the measurement way of the equity instruments of available-for-sale securities will increase the fluctuation of the net profit. This study shows investors and regulators the impact of the new standard of financial instruments on commercial banks.
文摘The soil seed bank is considered as an important mechanism for the natural regeneration, resilience and conservation of the forests after disturbances. This study evaluates the characteristics of the soil seed bank in two post-logging plots of Loundoungou-Toukoulaka Forest Management Unit: one plot exploited in 2008 and another exploited in 2021. In each study plot, 40 samples were collected per soil layer (0 - 5 cm, 5 - 10 cm, 10 - 15 cm, 15 - 20 cm and 20 - 25 cm depth). The species diversity and abundance of the soil seed bank were estimated after soil samples were brought to germination. The results demonstrated that 347 seedlings belonging to 37 species in the plot exploited in 2008 and 418 seedlings belonging to 27 species in that exploited in 2021 germinated during 20 weeks of monitoring. The total densities of the seedlings identified were respectively 1446 seedlings/m<sup>2</sup> and 1742 seedlings/m<sup>2</sup>. The plot exploited in 2021 presented a higher proportion of herbaceous species (93.78%) compared to that exploited in 2008 (82.71%). Two pioneer species were recorded in the plot exploited in 2008. These are Macaranga barteri (0.29%) in the 0 - 5 cm layer and Musanga cecropioides (2.31%) up to 20 cm deep. On the other hand, in the plot exploited in 2021, Macaranga spinosa (0.96%) in the 0 - 5 cm layer and M. cecropioides (0.96%) up to 20 cm deep were identified. In the plot exploited in 2008, the 20 - 25 cm layer demonstrated important proportions in woody species (9%), these are in particular Rubiaceae sp.4 and Nauclea diderrichii. While that exploited in 2021, presented 19% of woody species, namely the species of Rubiaceae sp.4, Rubiaceae sp.5 and N. diderrichii, greatly exceeding the proportions obtained in the 15 - 20 cm layer of the two plots. Nonetheless, N. diderrichii was the only commercial species recorded with densities of 108 seedlings/m<sup>2</sup> and 4 seedlings/m<sup>2</sup>, respectively in the plot exploited in 2008 and that exploited in 2021. Commercial tree species are poorly represented in the soil seed bank. Consequently, the study suggests that to improve the natural regeneration of the commercial species, silvicultural interventions based on planting techniques in the exploited plots should be more effective in order to sustainably manage these production forests.
文摘The study investigated mobile banking and commercial banks’performance nexus in Zimbabwe for the period 2011-2021.The investigation employed a pragmatic approach and a descriptive design.Primary data as well as secondary data were used to achieve the study objectives.Questionnaires,interviews and documentary guides were used to collect primary and secondary data respectively.There were 108 questionnaires distributed to staff members and customers of 6 sampled commercial banks in Zimbabwe having mobile banking experience.The interview guide was administered to bank managers to get a deeper understanding of the topic under research and as a mitigation strategy for addressing the flaws of the questionnaires.Analysis of quantitative data utilised descriptive analysis tools,correlations analysis tools as well as regression analysis tools whereas theme analysis was used for qualitative data.SPSS version 26 was used for this purpose.The study implications established that mobile banking and commercial banks’performance nexus in Zimbabwe was significant and also enhanced mobile banking security capabilities and strengthened commercial banks’performance.The investigation concluded that mobile banking’s success in enhancing commercial banks’performance hinged on its ability to allow the user to get easier,cheaper and timely access to services.However,the study results showed that the cost of mobile banking services,government policies and intense competition inhibited the uptake of banking services.Commercial banks are recommended to continue strengthening the security of mobile banking services and to boost their uptake by bank customers in Zimbabwe.
基金supported by Korea Institute for Advancement of Technology(KIAT)grant funded by the Korea Government(MOTIE)(P0012724,The Competency Development Program for Industry Specialist)the Soonchunhyang University Research Fund。
文摘Evaluation of commercial banks(CBs)performance has been a signicant issue in the nancial world and deemed as a multi-criteria decision making(MCDM)model.Numerous research assesses CB performance according to different metrics and standers.As a result of uncertainty in decision-making problems and large economic variations in Egypt,this research proposes a plithogenic based model to evaluate Egyptian commercial banks’performance based on a set of criteria.The proposed model evaluates the top ten Egyptian commercial banks based on three main metrics including nancial,customer satisfaction,and qualitative evaluation,and 19 subcriteria.The proportional importance of the selected criteria is evaluated by the Analytic Hierarchy Process(AHP).Furthermore,the Technique for Order of Preference by Similarity to Ideal Solution(TOPSIS),Vlse Kriterijumska Optimizacija Kompro-misno Resenje(VIKOR),and COmplex PRoportional ASsessment(COPRAS)are adopted to rank the top ten Egyptian banks based on their performance,comparatively.The main role of this research is to apply the proposed integrated MCDM framework under the plithogenic environment to measure the performance of the CBs under uncertainty.All results show that CIB has the best performance while Faisal Islamic Bank and Bank Audi have the least performance among the top 10 CBs in Egypt.
文摘China’s commercial banks have developed at a very rapid speed in recent decades.However,with global economic development slowing down,the impact of gross domestic product growth as an exogenous factor cannot be ignored.Most existing studies only consider the internal factors of banks,and neglect their external economic factors.This study thus adopts an undesirable dynamic slacks-based measure under an exogenous model in combination with the Kernel density curve to explore the efficiency of state-owned commercial banks(SOCBs),joint-stock commercial banks(JSCBs),and urban commercial banks(UCBs)in China from 2012 to 2018.The results show that SOCBs have the highest overall efficiency,followed by JSCBs,then UCBs.The efficiencies of SOCBs,JSCBs,and UCBs in the financing stage are greater than those in the investment stage,indicating that the latter stage brings down overall efficiency.Thus,all commercial banks need to focus on the efficiency of non-performing loans and return on capital.Finally,SOCBs need to strengthen internal controls,reduce non-performing loans and improve return on capital.JSCBs should actively expand its business while controlling costs,and UCBs should optimize its management.