Hybrid 1DCNN-Attention with Enhanced Data Preprocessing for Loan Approval Prediction

In order to reduce the risk of non-performing loans, losses, and improve the loan approval efficiency, it is necessary to establish an intelligent loan risk and approval prediction system. A hybrid deep learning model with 1DCNN-attention network and the enhanced preprocessing techniques is proposed for loan approval prediction. Our proposed model consists of the enhanced data preprocessing and stacking of multiple hybrid modules. Initially, the enhanced data preprocessing techniques using a combination of methods such as standardization, SMOTE oversampling, feature construction, recursive feature elimination (RFE), information value (IV) and principal component analysis (PCA), which not only eliminates the effects of data jitter and non-equilibrium, but also removes redundant features while improving the representation of features. Subsequently, a hybrid module that combines a 1DCNN with an attention mechanism is proposed to extract local and global spatio-temporal features. Finally, the comprehensive experiments conducted validate that the proposed model surpasses state-of-the-art baseline models across various performance metrics, including accuracy, precision, recall, F1 score, and AUC. Our proposed model helps to automate the loan approval process and provides scientific guidance to financial institutions for loan risk control.

Review of Arbitral Award of Network Loan and Analysis of Construction of Implementation Review Rules

The network arbitration cases arising from the network lending disputes are pouring into the courts in large numbers.It is reported that the network arbitration system of some arbitration institutions even“can accept more than 10,000 cases every day,”while online lending is booming,it has also caused a lot of contradictions and disputes,and traditional dispute resolution methods have failed to effectively respond to the need for efficient and convenient resolution of online lending disputes.This paper tries to study the arbitral award of online loans and proposes the construction of implementation review rules.

E-commerce Development Strategies of Agriculture-related Enterprises in Earthquake Area

The problems existing in the development of agriculture-related enterprises in earthquake area are evaluated,as well as the prominent issues existing in the process of developing E-commerce,consequently,the corresponding strategies for developing E-commerce in agriculture-related enterprises are proposed.

A Knowledge-based System for the Analysis of the Ability of Paying back Loans

This paper describes the development of a knowledgebased system (KBS) for determining whether or not, and under what conditions, a bank Ioan officer should grant a business loan to a company. The prototype system developed focuses on what is bank loans risks management, how to prevent risk by the analysis of the ability of paying back loans. The paper makes the structural analysis involved in the system's decision situation, the structured situation diagram or model, dependency diagram and the document needed by the KBS prototype system thus are developed. Through testing the samples from loan business, the quality for the analysis of the ability of paying back loans can be effectively evaluated by the KBS prototype system.

Intelligent Decision Support System for Bank Loans Risk Classification

Intelligent Decision Support System (IISS) for Bank Loans Risk Classification (BLRC), based on the way of integration Artificial Neural Network (ANN) and Expert System (ES), is proposed. According to the feature of BLRC, the key financial and non-financial factors are analyzed. Meanwhile, ES and Model Base (MB) which contain ANN are designed . The general framework,interaction and integration of the system are given. In addition, how the system realizes BLRC is elucidated in detail.

Designing of Commercial Bank Loans Risk Early Warning System Based on BP Neural Networks

According to the index early warning method, a commercial bank loans risk early warning system based on BP neural networks is proposed. The warning signal is mainly involved with the financial situation signal of loaning corporation. Except the structure description of the system structure the demonstration of attemptive designing is also elaborated.

Study on the Operating Mechanism and Practice concerning Undergraduate Teaching Quality Assurance in the Chinese Agriculture-related Colleges and Universities

This paper analyzes the connotation of the undergraduate teaching quality assurance system in agriculture-related colleges and universities,and takes Southwest University Rongchang Campus for example to probe into the long-term operating mechanism of multidimensional integrated quality assurance system as well as the sound teaching quality monitoring and management system building assurance system and operational practice effect involving personnel training programs,teaching element control,supervision and control of the teaching process,supervision and control of teaching effectiveness,teaching assurance policy and system,teaching funding system,teaching technical support guarantee,and teaching environment building guarantee,with the purpose of providing a reference for the Chinese universities and colleges to improve the teaching quality.

Global Financial Crisis and Accounting Rules： The Implications of the New Exposure Draft （ED） Financial Instruments： Expected Credit Losses on the Evaluation of Banking Company Loans

During the financial crisis, the delayed recognition of credit losses on loans and other financial instruments was identified as a weakness in existing incurred loss model of impairment stated by International Accounting Standards （IAS） 39, because it is believed that this delay might generate pro-cyclical effects. In response to the recommendations of G20, Financial Crisis Advisory Group （FCAG）, and other international bodies, the International Accounting Standards Board （IASB） has undertaken, since 2009, as a part of the project to replace IAS 39, a project （partially shared with Financial Accounting Standards Board （FASB）） aimed at introducing an expected loss model of impairment. Within the scope of this subset project, the IASB has previously issued two exposure documents proposing models to account for expected credit losses： an exposure draft （ED） Financial Instrument： Amortized Cost and Impairment, published in November 2009, and a supplementary document （SD） Financial Instrument： Impairment, published jointly with the FASB in January 2011. However, neither of the two proposals received strong support from interested parties. Recently, the IASB, after the FASB＇s decision to withdraw from the joint project and to develop a separate expected credit loss model based on a single measurement approach consisting in the sole recognition of lifetime expected credit losses, published a third proposal--Ahe so-called expected credit losses model （ED/2013/3 Financial Instruments： Expected Credit Losses）.

Problems in Development of Micro-credit Loans to Farmers in China and Countermeasures

There are problems of inadequate natural endowment and weak stamina in the development of micro-credit loans to farmers in China. Specifically,existing problems include narrow profit space,serious non-agricultural trend of funds,high dependence on government support,short life cycle,and constantly increasing operating risks. These problems are related to endogenous drawback in design,defect in operating procedure,lagging in relevant policies and measures,and vacancy in risk compensation mechanism.

An Empirical Study of the Allocation Efficiency of Rural Financial Resources in Hubei Province from the Perspective of Agricultural Loans

The incompatibility of China's economy and finance has to some extent inhibited the development of rural economy. Taking Hubei Province for example,we measure the allocation efficiency of rural financial resources from the perspective of agricultural input and output,and use the modern rural financial development theory to set forth some policy recommendations on how to build a new rural financial resource allocation system. Studies have shown that the allocation efficiency of rural financial resources is low in China,and improving the allocation efficiency of rural financial resources is the key to perfecting rural financial environment while increasing financial support for agriculture.

The Connotation Construction of Agriculture-related Majors in the Vocational Schools

Taking the case of vocational schools in Xuzhou City,we analyze the challenges and opportunities faced by the connotation construction of agriculture-related majors in vocational schools. And we discuss the focus of connotation construction of agriculture-related majors,by establishing one theme,building two aspects,deepening three reforms and highlighting four tasks,aiming to make the connotation construction of agriculture-related majors get somewhere,and provide strong support for agricultural science and technology innovation. Finally we put forth measures for the connotation construction of agriculture-related majors.

Ethical Research on Agriculture-related Higher Vocational Colleges Serving Rural Revitalization:A Case Study of Huizhou Engineering Vocational College

At first,the ethical dilemmas of rural revitalization and the present situation of ethics in agriculture-related vocational education were analyzed,and then the ethical dilemmas of agriculture-related vocational education serving rural revitalization were studied.Finally,some ethical countermeasures for the dilemmas were proposed to provide reference for the research related to rural revitalization.

The Impact of Bank-Specific and Macroeconomic Factors on Non-performing Loans in Sri Lankan Commercial Banks

The main purpose of this study is to ascertain the effect of bank-specific and macroeconomic factors on non-performing loans in systemically and non-systemically important commercial banks in Sri Lanka over 10 year’s period from 2004 to 2013.Also,the study examines the impact of civil war that prevailed in the country for 30 years on the ex-post credit risk of the banking sector.The study employed panel data methodology to investigate the effect of bank-specific and macroeconomic factors on non-performing loans.Panel unit root test has been undertaken in order to test the stationary of the variables.Hausman test and Wald coefficient restriction test were used to select the appropriate model out of pooled,random,and fixed effect.A dummy variable panel regression model adopted to study the war effect,considering 2009 as the structural year.Findings revealed that return on assets as a proxy for bank efficiency has a significant negative influence,while non-interest income as a proxy for income diversity is positively correlated with non-performing loans of systemically important banks.Both real gross domestic products and lending rates were highly significant in both bank types.On contrary with literature,growth in bank branches is negatively correlated.Public banks do not account for higher level of non-performing loans compared to their private counterpart.Finally,it was identified that civil war had an effect on the level of non-performing loans in commercial banks.The research would have benefited if the analysis is carried out among classified types of loans offered by commercial banks.Future researchers should involve in identifying the most significant contributing loan type to the non-performing loans and its determinants.This study is one of the few studies which have investigated the causes of non-performing loans in the commercial banking industry in Sri Lanka.The analysis of civil war and its impact on non-performing loans is the first study of that nature to be conducted in the context.

Loans to Foreign-Funded Enterprises

With the implementation of the opening policy, the Bank of China(BOC) started lending to foreignfunded enterprises early in the 1980s. At the end of 1993, 50 percent of foreignfunded enterprise had opened accounts with the BOC. BOC has made US dollar loans worth $16.8 billion, and RMB ioans of ￥ 135.55 billion to

Research in the Securitization of the Non-performing Loans of China＇s State-owned Banks

In this paper, through analyzing the necessity of the securitization of the non-performing loans of China＇s state-owned banks, the author proposes some tentative ideas for the securitization of the non-performing loans and works out some problems that need to be solved in this process.

World Bank loans help ease Central China's power Supply Shortage

Central China’s power sup-ply will get a major boostfrom the expansion of Henan Province’sYanshi Thermal Power Plant --a project involving $180 million worth of WorldBank loans. Yanshi Plant is situated on thesouth bank of Yellow River, about 30 kmeast of Luoyang Municipality. Once com-pleted at the end of 1995, the plant willboast an installed capacity of 1000 MW,

Predictive Modeling and Expectable Loss Analysis for Borrower Defaults of Mortgage Loans

Home mortgage loan lending firms are exposed to many business risks.This paper focuses on the mortgage loan borrower risks and proposes a prospective loss analysis approach in regard to loan repayment defaults of borrowers.For this purpose,a predictive modeling is presented in three stages.In the first stage,occurrence of borrower defaults in a mortgage loans portfolio is modeled through the generalized linear models(GLMs)type regressions for which we specify a logistic distribution for default events.The second stage of modeling develops a survival analysis in order to estimate survival probability and hazard rate functions for individual loans.Ultimately,an expectable loss amount model is presented in the third stage as a function of conditional survival probabilities and corresponding hazard rates at loan levels.Throughout all modeling stages,a large and real data set is used as an empirical analysis case by which detailed interpretations and practical implications of the obtained results are stated.

The relationship between rural infrastructure and agriculture-related funds under rural revitalization strategy

The rural revitalization strategy is one of the“seven strategies”clearly listed in the report of the 19th CPC National Congress.In order to better promote the effective implementation of rural revitalization policies,it is necessary to give full play to the cornerstone role of rural infrastructure in rural revitalization.This paper first analyzes the supervision mechanism of agriculture-related funds,and then selects the rural development data of local governments in 30 provinces,municipalities,and autonomous regions from 2013 to 2017 as samples to regress and analyze the coupling relationship between my country’s rural infrastructure construction and agriculture-related funds.The study found that my country’s rural infrastructure construction and agriculture-related funds are positively correlated,and the greater the proportion of local finance in agriculture-related funds,the stronger the impact of agriculture-related funds on rural infrastructure construction investment.Policy recommendations such as the proportion of local finances are proposed.

Non-performing Loans in Turkish Banking Sector and Balance Sheets Effects

In the 21st century, while the scope of banking activities has been expanding every day, collecting deposits and providing credit remain as their main and most important functions. They transfer the collected funds thanks to the market confidence they create back to the market in terms of the credits they give. For the organizations operating in the banking sector, crediting is the highest revenue earning source. However, uncollected loans may disrupt the activities of banks and may reduce their effectiveness. Therefore, the control of bank credits has a particular importance in the bank balance sheets. In this study, the relationship between bank balance sheets and non-performing loans （NPL） will be analyzed using Granger causality test and vector autoregressive （VAR） method. This study aims to discuss the impact of NPL on balance sheets and contribute to making correct credit decisions. It also intends to assist to reduce the NPL ratios of banks and minimize the level of negativity in their financial statements.