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 ...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.展开更多
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 ...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.展开更多
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...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.展开更多
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. Pati...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.展开更多
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...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.展开更多
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 cl...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.展开更多
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 tar...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.展开更多
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...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.展开更多
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 deve...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.展开更多
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 ...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.展开更多
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 asse...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.展开更多
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 a...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.展开更多
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 cre...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.展开更多
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 at...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.展开更多
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 ent...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.展开更多
文摘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.
基金supported by Project of Chongqing Science and Technology Bureau (cstc2022jxjl0005)。
文摘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.
基金Supported by Developing Program for High-level Academic Talent in Jiangsu Hospital of Chinese Medicine,No.y2021rc03Postgraduate Research and Innovation Program of Jiangsu Province,China,No.KYCX23_2172.
文摘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.
文摘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.
文摘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.
文摘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.
文摘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.
文摘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.
文摘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.
基金This work was supported by the Kunlun Talent Action Plan of Qinghai Province(E140 WX42)National Natural Science Foundation of China(52179026)Strategy for Water Resource Security in Yellow River Sources。
文摘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.
基金the National Natural Science Foundation of China(No.42072284,No.42027801,No.41877186)the National Key R&D Program of China(2021YFC2902004)+1 种基金the Major Science and Technology Projects of Inner Mongolia Autonomous Region(2020ZD0020-4)the Fundamental Research Funds for the Central Universities(2022YQSH01,2020YJSSH01,2021YJSSH01)。
文摘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.
文摘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.
基金Supported by Key Project of National Natural Science Foundation (70673079)Project of Shaanxi Provincial Department of Education (11JK0061,04JK280)+1 种基金Project of Shaanxi Provincial Department of Science and Technology(2011KRM41,2006KR80)Project of Xi'an University of Science and Technology(J10008,GJY-2009-YB-10,GJY-2010PY-1,JG08029,JG08010,Cultivation Foundation 200708)
文摘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.
文摘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.
基金Supported by National Natural Science Foundation of China,No.81300273 and 81300130
文摘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.