Understanding Credit Risk in Internet Consumer Finance:An Empirical Analysis with a Focus on the Young Generation

In recent years,internet finance has garnered increasing attention from the public.Online lending,emerging within the framework of Internet finance as a pivotal component,has witnessed substantial growth.While online credit,within the realm of Internet finance,presents numerous advantages over traditional lending,it concurrently exposes a plethora of credit risk issues.This study aims to facilitate the effective utilization of online credit tools by the young generation within the context of Internet finance.Additionally,it seeks to ensure the overall stability of the Internet finance environment and mitigate risks for the youth.Given the significance of understanding credit risk management for college students in the age of internet finance,this paper adopts the logistic model to evaluate credit risk in internet consumer finance and provides pertinent recommendations from the perspective of the young generation.

Health risk assessment of trace metal(loid)s in agricultural soils based on Monte Carlo simulation coupled with positive matrix factorization model in Chongqing, southwest China

This study aimed to investigate the pollution characteristics, source apportionment, and health risks associated with trace metal(loid)s(TMs) in the major agricultural producing areas in Chongqing, China. We analyzed the source apportionment and assessed the health risk of TMs in agricultural soils by using positive matrix factorization(PMF) model and health risk assessment(HRA) model based on Monte Carlo simulation. Meanwhile, we combined PMF and HRA models to explore the health risks of TMs in agricultural soils by different pollution sources to determine the priority control factors. Results showed that the average contents of cadmium(Cd), arsenic (As), lead(Pb), chromium(Cr), copper(Cu), nickel(Ni), and zinc(Zn) in the soil were found to be 0.26, 5.93, 27.14, 61.32, 23.81, 32.45, and 78.65 mg/kg, respectively. Spatial analysis and source apportionment analysis revealed that urban and industrial sources, agricultural sources, and natural sources accounted for 33.0%, 27.7%, and 39.3% of TM accumulation in the soil, respectively. In the HRA model based on Monte Carlo simulation, noncarcinogenic risks were deemed negligible(hazard index <1), the carcinogenic risks were at acceptable level(10^(-6)<total carcinogenic risk ≤ 10^(-4)), with higher risks observed for children compared to adults. The relationship between TMs, their sources, and health risks indicated that urban and industrial sources were primarily associated with As, contributing to 75.1% of carcinogenic risks and 55.7% of non-carcinogenic risks, making them the primary control factors. Meanwhile, agricultural sources were primarily linked to Cd and Pb, contributing to 13.1% of carcinogenic risks and 21.8% of non-carcinogenic risks, designating them as secondary control factors.

Prevalence and risk factors of depression among patients with perianal fistulizing Crohn’s disease

BACKGROUND Psychological distress,especially depression,associated with perianal fistulizing Crohn’s disease(PFCD)is widespread and refractory.However,there is a surprising paucity of studies to date that have sought to identify the prevalence and risk factors of depression associated with PFCD.AIM To estimate the prevalence of depressive symptoms and investigate the depression-related risk factors in patients with PFCD.METHODS The study was conducted in the form of survey and clinical data collection via questionnaire and specialized medical staff.Depressive symptoms,life quality,and fatigue severity of patients with PFCD were assessed by Patient Health Questionnaire-9,Inflammatory Bowel Disease Patient Quality of Life Questionnaire(IBDQ),and Inflammatory Bowel Disease(IBD)Fatigue Patient Self-assessment Scale.The basic demographic information,overall disease features,perianal clinical information,and laboratory inflammation indicators were also gathered.Multivariate regression analysis was ultimately used to ascertain the risk factors of depression associated with PFCD.RESULTS A total of 123 patients with PFCD were involved,and 56.91%were suffering from depression.According to multivariate logistic regression analysis,Perianal Disease Activity Index(PDAI)score[odds ratio(OR)=0.69,95%confidence interval(CI):0.50 to 0.95],IBDQ score(OR=0.93,95%CI:0.88 to 0.97),modified Van Assche index(OR=1.24,95%CI:1.01 to 1.53),and IBD Fatigue score(OR=1.72,95%CI:1.23 to 2.42)were independent risk factors of depression-related prevalence among patients with PFCD(P<0.05).Multiple linear regression analysis revealed that the increasing perianal modified Van Assche index(βvalue=0.166,95%CI:0.02 to 0.31)and decreasing IBDQ score(βvalue=-0.116,95%CI:-0.14 to-0.09)were independently associated with the severity of depression(P<0.05).CONCLUSION Depressive symptoms in PFCD patients have significantly high prevalence.PDAI score,modified Van Assche index,quality of life,and fatigue severity were the main independent risk factors.

Epidemiological Aspects of Obesity, Overweight and Cardiovascular Risk Factors at Associes in Semi-Urban Areas (Case of Sébikotane)

Introduction: Obesity and overweight are a public health problem. The general objective was to determine the epidemiological aspects of obesity, overweight and associated risk factors in a semi-urban environment. Patients and Methods: This was a cross-sectional, descriptive study conducted on November 28 and 29, 2023 in Sébikotane. It focused on volunteers for screening for chronic non-communicable diseases. Epidemiological and clinical data were evaluated. Results: One hundred and twenty-nine cases of obesity were recorded (28%). Two hundred and eighty-two cases were overweight or obese (61.3%). The mean age was 49.55 years, with a standard deviation of 12.41 years. The age group [40 - 49 years] was the most representative, with 85 cases (30.1%), and the majority were female, with 264 cases (93.6%). Primary education was the most common, with 75 cases (46.3%). Grade 1 obesity concerned ninety-seven cases (75.2%), and diabetes was present in thirty cases (23%). Hypertension was present in ninety-five cases (33.7%). Obesity was more marked in the age group [40 - 49 years] with 45 cases (36%). Conclusion: Obesity and overweight are a major cause of morbidity and mortality. The development and implementation of a prevention and management program is essential.

Adverse selection,loan access and default behavior in the Chilean consumer debt market

Why do households use different types of loans?Which factors cause borrowers to default?Using a comprehensive survey dataset from Chile,I estimate a partial information model of consumer debt access,lender choice,loan amount and default.The model consists of a first-stage multinomial logit that explains the choice across the five loan types,plus the options of no access to debt due to credit constraints and a no wish for consumer debt.In the second and third stages,the model assumes a log-linear regression of the debt amount and a logit regression of the default behavior,accounting for the loan type selection probability.Identification is obtained using factors measured at different time periods for the default and the loan type choices.I find that households choose different lenders based on income,education and labor risks.Higher income and education decrease the probability of credit constraints,while increasing bank lending and debt amounts.Unemployment risk and household size increase the chances of all the loan types;however,unemployment decreases the debt amount.Age and wage volatility reduce the probability of all loans.Default decreases with income,education and age,whereas it increases with indebtedness,unemployment,household size,health shocks,and paying previous loans.Counterfactual exercises demonstrate that pension reform,higher requirements for borrowers’capacities,and financial literacy programs could substantially reduce default risk.Financial literacy could greatly reduce arrears,households with credit constraints,the number of debtors and the aggregate debt amounts,especially for non-bank lending.Highlights Chilean borrowers present heterogeneous adverse selection across lender types.No Debt Access decreases with income,age,education,but it increases with risk.Default is associated with income,unemployment,indebtedness and demographics.Paying past loans and health needs are associated with indebtedness and default.Financial literacy programs may be a powerful policy to improve the debt market.

Preliminary Risk Assessment Posed by Formaldehyde Residues in Clothing to Vietnamese Consumers

The assessment of potential health risks posed by formaldehyde in clothing to consumers is of increasing concern worldwide. Because of this, it is necessary to develop an exposure model that can realistically mimic clothes wearing conditions. This study aims to preliminarily develop a health risk assessment model for formaldehyde in clothing, and then to assess the potential health risk posed by formaldehyde in textiles to adults and infants in Vietnam using the model. Finally, this study aims to examine the plausibility of the adopted permissible values for formaldehyde in cloth- ing in Vietnam. In the model, two exposure factors for dermal exposure and overall exposure routes, i.e. sweat type and perspiration area, were considered. The margins of exposure (MOE) were calculated to estimate the health risks from worst case and average exposures. The assessment shows that acute exposure via inhalation can pose health risks to Vietnamese consumers in both cases. In regards to chronic exposure, dermal exposure is about four (for infants) and seven (for adults) times higher than exposure via inhalation, but no risks were found for average exposure. If a MOE of 100 is defined as ‘safe’ used, dermal and total chronic exposure to worst case cause potential risks, whereas no health risks were found for exposure to average case. With the model, the adopted Vietnamese permissible values for formaldehyde in clothing were assessed as not posing a health risk to Vietnamese consumers, hence they are accepted.

Consumer Risk Perceptions in Mobile Health Services Adoption: Do They Matter?

The purpose of this study is to investigate empirically the role of consumer perceived risks in the adoption of mobile health services. A theoretical model including the perceived risk associated with the activity targeted by a mobile health service and the perceived risk associated with the mobile service itself was developed and tested empirically in the context of an application supporting smoking cessation. The model was validated in a cross-sectional experiment conducted with 422 consumers in the UK and Canada. Findings show that while risk triggered by the nature of a health promotion activity is a strong driver of the adoption of the supporting mobile health service, risk related to the actual application targeting that activity is a comparatively weaker obstacle. The two contrasting risk perspectives are highly significant as they together explain over 31% of the variance in consumer intention to use the mobile health service, independently from other adoption factors. Overall, this study demonstrates that consumer risk perceptions alone are a multifaceted and meaningful component in mobile health services adoption, and that this element should not be overlooked in more complex research models.

Risk Analysis and Consumer Protection in B2C Transactions

Recent studies have shown that the perceived lack of security is a major obstacle to the wider acceptance of e-commerce. To overcome this barrier, businesses need to implement comprehensive consumer protection systems that protect consumers during every stage of the purchasing process. This paper used the consumer behaviour model as the basis for analysing risks in Bussiness-to-Consumer (B2C) transactions. Four categories of risks were identified: information, agreement, payment and delivery risk. By combining these risk categories with the three dimensions of management, technology and legislation, a comprehensive B2C consumer protection framework is developed.

Dimensions of Consumer's Perceived Risk in Online Shopping

Perceived risk is an important concept in consumer behavior in online shopping. It impedes the adopting online shopping. A structure model with seven factors of consumer's perceived risk in online shopping is developed in this paper. The results have the descriptive power about Chinese consumers' perceived risk in Internet shopping and provide framework for managerial use in China's e-commerce market environment.

S-100β CysC和NF-κB对急性缺血性脑卒中患者静脉溶栓后出血转化的预测价值

目的 探讨急性缺血性脑卒中(AIS)外周血中S-100β、CysC和NF-κB水平对静脉溶栓后出血转化的影响及预测价值。方法 收集2019-03—2022-03接受溶栓治疗的AIS患者140例,根据溶栓后24 h是否发生出血转化(HT)将患者分为非HT组(n=112)和HT组(n=28)。比较2组一般临床资料,采用多因Logistic回归分析影响HT发生的危险因素,受试者工作特征(ROC)曲线评估S-100β、CysC和NF-κB预测HT发生的价值。结果 HT组与非HT组相比,患者年龄、发病至溶栓时间、房颤、TOAST分型、C反应蛋白、凝血酶原时间、S-100β、CysC、NF-κB、白质高信号和脑微出血等均有统计学差异(P<0.05)。Logistic多因素回归分析显示,房颤、S-100β、CysC和NF-κB为影响HT发生的危险因素。S-100β、CysC和NF-κB预测AIS患者静脉溶栓后出血转化的曲线下面积分别为0.915(0.902~0.923)、0.874(0.856~0.882)和0.789(0.771~0.796),均具有一定的预测价值。结论 S-100β、CysC和NF-κB为AIS患者静脉溶栓后HT发生的危险因素,对HT发生具有一定的预测价值。

基于S-O-R模型的视觉营销对消费者购买意愿的影响研究——以红色文创网店为例

为提高红色文创网店的点击转化率,文章从消费者视角出发,研究影响消费者购买意愿的视觉因素。基于S-O-R模型理论,构建红色文创网店视觉营销对消费者购买意愿因素的理论模型。利用S-O-R模型分析了红色文创网店视觉营销中的商品形象、界面形象以及品牌视觉形象对顾客感知价值及顾客购买意向的影响。通过设计量表和调查问卷进行实证研究,并结合结构方程模型加以论证,得出品牌视觉形象和界面形象是影响消费者购买意愿的关键因素,为设计师和红色文创品牌进行网店设计提供了一定的理论参考和建议。

Multiple assessments, source determination, and health risk apportionment of heavy metal(loid)s in the groundwater of the Shule River Basin in northwestern China

Global ecosystems and public health have been greatly impacted by the accumulation of heavy metal(loid)s in water.Source-specific risk apportionment is needed to prevent and manage potential groundwater contamination with heavy metal(loid)s.The heavy metal(loid)s contamination status,water quality,ecological risk,and health risk apportionment of the Shule River Basin groundwater are poorly understood.Therefore,field sampling was performed to explore the water quality and risk of heavy metal(loid)s in the groundwater of the Shule River Basin in northwestern China.A total of 96 samples were collected from the study area to acquire data for water quality and heavy metal(loid)s risk.There was noticeable accumulation of ferrum in the groundwater of the Shule River Basin.The levels of pollution were considered to be moderately low,as evaluated by the degree of contamination,heavy metal evaluation index,heavy metal pollution index,and Nemerow pollution index.The ecological risks were also low.However,an assessment of the water quality index revealed that only 58.34%of the groundwater samples had good water quality.The absolute principal component scores-multiple linear regression model was more suited for this study area than the positive matrix factorization model.There were no obvious noncarcinogenic or carcinogenic concerns for all types of receptors according to the values of the total hazard index and total carcinogenic risk.The human activities and the initial geological environment factor(65.85%)was the major source of noncarcinogenic risk(residential children:87.56%;residential adults:87.52%;recreational children:86.77%;and recreational adults:85.42%),while the industrial activity factor(16.36%)was the major source of carcinogenic risk(residential receptors:87.96%;and recreational receptors:68.73%).These findings provide fundamental and crucial information for reducing the health issues caused by heavy metal(loid)s contamination of groundwater in arid areas.

Contamination and human health risk assessment of heavy metal(loid)s in topsoil and groundwater around mining and dressing factories in Chifeng,North China

Chifeng is a concentrated mining area for non-ferrous metal minerals,as well as a key prevention and control area for heavyduty enterprises.This situation necessitates an efective ecological and human health risk assessment of heavy metal(loid)s driven by the wide distribution of metal ore processing,mining,and smelting factories in Hexigten Banner and Bairin Left Banner.We conducted surveys to assess the levels of heavy metal(loid)s(Cr,As,Pb,Cd,and Hg)in the topsoil and groundwater of the areas.The results indicated that the concentrations of As,Cd,and Pb in partial soil samples exceeded the environmental quality standards of Grade II.Based on contamination assessments,such as geoaccumulation indices and pollution indices,we inferred that Cd,Pb,and As were primary pollutants in topsoil.Potential ecological risks when considered as part of the average risk indices(RI)are up to 1626.40 and 2818.76,respectively,in the two areas.Comparative analysis revealed that Cd posed a very high potential ecological risk,followed by As.Moreover,the evaluation showed that the three exposure pathways of carcinogenic and non-carcinogenic risk followed a descending order:inhalation>ingestion>dermal contact,except for Pb.Arsenic in topsoil posed a potential non-carcinogenic risk to human health,while there were no adverse efects of As in groundwater.In addition,the average total carcinogenic risk for As in the two areas,as well as the risk of Pb in the topsoil of Bairin Left Banner and all the fve heavy metal(loid)s in groundwater,exceeded human tolerance.Pb–Zn mines caused higher human health risks.In addition,the tandem contamination of heavy metal(loid)s in soil and groundwater was not obvious.This research study provides a basis for pollution remediation to control heavy industry-induced ecological and health risks of heavy metal(loid)s.

黄土液化作用及其次生灾害风险评估方法初探——以积石山M_(S)6.2地震为例

2023年12月18日甘肃积石山6.2级地震引发的黄土液化泥石流地质灾害,造成了大量人员伤亡和财产损失。以此为背景,系统梳理了液化调查、风险评估和风险区划的工作思路:选定地区液化的内在和诱发因子,收集并分析资料,拟定调查工作底图,以调查问卷的形式开展液化影响因素摸底工作,开展针对性的外业调查或辅以物探和钻探工作,得到土壤液化发育潜势实际材料图;其后借用常规地质灾害的评估方法,开展调查区域的易发性、易损性评价和风险评价,得到调查区风险区划图。利用此方法对积石山地震诱发的泥石流灾害进行验证,分析其液化灾害的地质环境背景、形成机理和危害特征,并对其发生的风险进行评价。文章首次提出土的液化作用及其次生灾害区域调查因子的选择和风险评估的流程,可为开展土层液化作用及其次生灾害隐患区排查、国土空间规划,特别是高烈度山区集中居住点地质安全评估和选址建议提供参考。

滇西南1976年龙陵M_(S)7.3、M_(S)7.4双强震触发滑坡遥感解译及其构造意义

深入研究中国滇西南地区发育的龙陵-澜沧新生地震构造带对于合理划分活动地块边界及未来开展强震危险性评价工作具有重要意义。使用高分辨率卫星影像对已发生的双强震震例开展回溯研究是一种可行的技术手段。文中对震前、震后高分辨率Keyhole卫星影像进行遥感解译,结合野外验证和前人研究结果,获得了1976年M_(S)7.3、M_(S)7.4龙陵双强震触发滑坡较为完整的数据库。结果显示:1)共解译滑坡14448个,总面积为17.2km^(2),70.9%的滑坡分布在花岗岩质的岩体风化层中,单体滑坡面积集中在数百至1000m^(2)区间,多为表层风化层内的浅层滑坡,滑动距离较小;2)同震滑坡密集区与高烈度区不匹配,其空间分布显示破裂区规模约为30km,且均位于活动断裂的一侧,表明其发震构造并非为龙陵-瑞丽断裂或畹町断裂。滇西南地区共轭强震破裂可能局限了单次强震的空间规模,因此在确认未来强震危险区时应重点关注NE向与NW向构造的交会部位。

Consumer Behavior Analysis under the "Lemon Dilemma" in the Market of Agricultural Products

Based on the introduction of the connotation of "lemon market" and the phenomenon of "lemon" in the market of agricultural products,the consumers' behaviors in the "lemon market" of agricultural products are analyzed.Firstly,consumers feel unfair in their minds in the process of negotiation;secondly,the purchase decision rule tends to be simplified in the "lemon market" of agricultural products;thirdly,the consumers tend to follow the masses in the "lemon market" of agricultural products.The economics significance of the impact of "lemon dilemma" of agricultural products on consumers is analyzed.The causes of the impact are analyzed from two aspects the uncertainty of collecting the information of agricultural information and the uncertainty of using the agricultural information.The suggestions and countermeasures are put forward in order to solve the "lemon" problems in agricultural market.In the first place,the excellent mechanism for producing the information of agricultural products should be constructed;in the second place,the government should encourage the multi-channel,multi-form and multi-level operation mode of agricultural products,to promote the optimization of market functions;in the third place,the government should widen the channel of information dissemination for agricultural products and establish the high efficiency feedback path;in the fourth place,the traditional thought pattern of consumers should be changed,so as to promote the healthy,orderly and benign development of agricultural products market.

Issues concerning Development of Consumer Credit Business in China's Agricultural Bank

This article introduces the status quo of consumer credit business in China's agricultural bank,indicating that the scale of China's consumer credit business is expanded year by year;the growth of consumer credit business slows down;housing loans grow rapidly.We analyze issues concerning development of consumer credit business in agricultural bank as follows:single variety of consumer credit business makes the operating scope narrow;the formality of consumer credit business is trivial,abating consumers' will to borrow;consumers' consumer attitudes are stale,yet to be further changed;the loan interest of consumer credit is beyond the majority of consumers' actual ability to pay;the existing regulations and systems are not sound;the risk prevention mechanism is not perfect.Based on this,we put forward the following countermeasures and proposals for further improving consumer credit business in China's agricultural bank:first,formulate reasonable marketing strategy of consumer credit business;second,establish and improve the internal management mechanism;third,establish and improve risk assessment system;fourth,improve consumer credit legal system.

Ibrutinib and atrial fibrillation:An in-depth review of clinical implications and management strategies

Ibrutinib,a targeted therapy for B-cell malignancies,has shown remarkable efficacy in treating various hematologic cancers.However,its clinical use has raised concerns regarding cardiovascular complications,notably atrial fibrillation(AF).This comprehensive review critically evaluates the association between ibrutinib and AF by examining incidence,risk factors,mechanistic links,and management strategies.Through an extensive analysis of original research articles,this review elucidates the complex interplay between ibrutinib’s therapeutic benefits and cardiovascular risks.Moreover,it highlights the need for personalized treatment approaches,vigilant monitoring,and interdisciplinary collaboration to optimize patient outcomes and safety in the context of ibrutinib therapy.The review provides a valuable resource for healthcare professionals aiming to navigate the intricacies of ibrutinib’s therapeutic landscape while prioritizing patient well-being.

Alcohol consumption and the risk of Barrett's esophagus:A meta-analysis

AIM: To evaluate the possible association between alcohol consumption and Barrett's esophagus(BE).METHODS: We performed a systematic literature search of multiple online electronic databases.Inclusion criteria entailed studies about alcohol and BE.Metaanalysis was conducted to evaluate odds ratio(OR) and95%CIs for the association between alcohol consumption and BE.RESULTS: Twenty studies comprising 4758 patients with BE were included in the meta-analysis.The risk of BE in patients with alcohol consumption was increasedcompared with control groups(OR = 1.01; 95%CI: 1.00-1.02),especially in case-control and cohort,European and Asian,and hospital studies,but there was a decreased risk of BE associated with alcohol consumption from American studies(OR = 0.86; 95%CI: 0.77-0.96).At the same time,there was no significant association between BE and alcohol consumption in community studies(OR = 0.97; 95%CI: 0.84-1.12) and the type of alcohol(wine,beer and liquor) studies.CONCLUSION: Our meta-analysis found that alcohol consumption was associated with an increased risk of BE,especially for European and Asian drinkers.