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.

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.

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.

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.

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.

Surgical and non-surgical risk factors affecting the insufficiency of ileocolic anastomosis after first-time surgery in Crohn’s disease patients

BACKGROUND Crohn's disease(CD)often necessitates surgical intervention,particularly when it manifests in the terminal ileum and ileocecal valve.Despite undergoing radical surgery,a subset of patients experiences recurrent inflammation at the anasto-motic site,necessitating further medical attention.AIM To investigate the risk factors associated with anastomotic insufficiency following ileocecal resection in CD patients.METHODS This study enrolled 77 patients who underwent open ileocolic resection with pri-mary stapled anastomosis.Patients were stratified into two groups:Group I co-mprised individuals without anastomotic insufficiency,while Group II included patients exhibiting advanced anastomotic destruction observed endoscopically or those requiring additional surgery during the follow-up period.Surgical and non-surgical factors potentially influencing anastomotic failure were evaluated in both cohorts.RESULTS Anastomotic insufficiency was detected in 12 patients(15.6%),with a mean time interval of 30 months between the initial surgery and recurrence.The predomi-nant reasons for re-intervention included stenosis and excessive perianastomotic lesions.Factors associated with a heightened risk of anastomotic failure encompassed prolonged postoperative obstruction,anastomotic bleeding,and clinically confirmed micro-leakage.Additionally,patients in Group II exhibited preoperative malnutrition and early recurrence of symptoms related to CD.CONCLUSION Successful surgical outcomes hinge on the attainment of a fully functional anastomosis,optimal metabolic status,and clinical remission of the underlying disease.Vigilant endoscopic surveillance following primary resection facilitates the timely identification of anastomotic failure,thereby enabling noninvasive interventions.

Distribution, Mobility, and Health Risks Assessment of Trace Metals in River Sediments from Intense Agricultural Activity Areas in West Africa

The economy of West African countries is mainly based on agriculture. However, the trace metal(loid)s contamination status in rivers is relatively unknown in the region. In this work, 45 surface sediments collected from the Bandama, Comoé, and Bia Rivers in south and south eastern Côte d’Ivoire (West Africa), were analyzed for total metal concentrations and chemical speciation. The results showed that the river sediments were considerably contaminated by Cd and moderately contaminated by As, Cu, Pb, and Zn. Significant spatial variations were observed among the stations but not between the rivers. Metals Cd and Cu were likely to cause more ecological risks. The speciation analysis unravelled that the metal(loid)s partitioned mainly in the residual fraction, with the potential mobile fraction varying from 14% to 28%. The study calls for establishment of strict policies relative to the application of fertilizers and agrochemicals and mining activities to protect the environment and human health risks.

Financial Risk Evaluation System in the Context of Great Intelligence Movement Cloud: A Hierarchical Analysis Approach

This paper examines the financial risk evaluation system in the context of the“Great Intelligence Movement Cloud”and employs the hierarchical analysis method as the primary research tool.With the rapid advancement of“Great Intelligence Movement Cloud”technology,enterprise financial risks have expanded from the offline domain to the information domain,encompassing a broader scope and more diverse channels.The traditional approach to risk identification,relying solely on single financial indicators,no longer meets current demands.Therefore,it is essential to integrate a non-financial early warning indicator system and adopt a combination of quantitative and qualitative analysis methods.Hierarchical analysis enables the decomposition of complex problems into multiple components and organizes them into a hierarchical structure based on their relationships,facilitating a more accurate assessment of financial risk.This study seeks to establish a comprehensive financial risk evaluation system suited to the“Great Intelligence Movement Cloud”context,offering enterprises more precise risk assessments to better address financial risks and achieve steady development.

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.

Research on Financial Risk Management in the S Water Conservancy Project and Its Implications for Similar Projects

As a vital infrastructure initiative with significant impacts on national development and public welfare,water conservancy projects play an essential role in advancing agricultural development and mitigating losses caused by flooding.However,these projects often require substantial investments and extended construction periods,leading to the inevitable emergence of various financial risks during implementation.This paper aims to explore the current challenges in financial risk management of the S water conservancy project,offering practical management strategies and solutions to address these financial difficulties.Through a detailed assessment and analysis of the S water conservancy project,the study seeks to provide valuable references and insights for similar projects to better manage financial risks,ensuring their smooth progression and successful completion.The proposed control measures are designed not only to effectively mitigate the financial risks specific to the S water conservancy project but also to offer actionable lessons for other similar projects.By promoting and applying these measures,the overall financial management capabilities of the industry can be enhanced,providing robust support for the sustainable development of water conservancy projects.

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.

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.

Gender disparities and woman-specific trends in Barrett’s esophagus in the United States:An 11-year nationwide populationbased study

BACKGROUND Barrett's esophagus(BE)is a known premalignant precursor to esophageal adenocarcinoma(EAC).The prevalence rates continue to rise in the United States,but many patients who are at risk of EAC are not screened.Current practice guidelines include male gender as a predisposing factor for BE and EAC.The population-based clinical evidence regarding female gender remains limited.AIM To study comparative trends of gender disparities in patients with BE in the United States.METHODS A nationwide retrospective study was conducted using the 2009-2019 National Inpatient Sample(NIS)database.Patients with a primary or secondary diagnosis code of BE were identified.The major outcome of interest was determining the gender disparities in patients with BE.Trend analysis for respective outcomes for females was also reported to ascertain any time-based shifts.RESULTS We identified 1204190 patients with BE for the study period.Among the included patients,717439(59.6%)were men and 486751(40.4%)were women.The mean age was higher in women than in men(67.1±0.4 vs 66.6±0.3 years,P<0.001).The rate of BE per 100000 total NIS hospitalizations for males increased from 144.6 in 2009 to 213.4 in 2019(P<0.001).The rate for females increased from 96.8 in 2009 to 148.7 in 2019(P<0.001).There was a higher frequency of obesity among women compared to men(17.4%vs 12.6%,P<0.001).Obesity prevalence among females increased from 12.3%in 2009 to 21.9%in 2019(P<0.001).A lower prevalence of smoking was noted in women than in men(20.8%vs 35.7%,P<0.001).However,trend analysis showed an increasing prevalence of smoking among women,from 12.9%in 2009 to 30.7%in 2019(P<0.001).Additionally,there was a lower prevalence of alcohol abuse,Helicobacter pylori(H.pylori),and diabetes mellitus among females than males(P<0.001).Trend analysis showed an increasing prevalence of alcohol use disorder and a decreasing prevalence of H.pylori and diabetes mellitus among women(P<0.001).CONCLUSION The prevalence of BE among women has steadily increased from 2009 to 2019.The existing knowledge concerning BE development has historically focused on men,but our findings show that the risk in women is not insignificant.

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

AIM： To evaluate the possible association between al-cohol consumption and Barrett’s esophagus （BE）.METHODS： We performed a systematic literaturesearch of multiple online electronic databases. Inclusioncriteria entailed studies about alcohol and BE. Meta-analysis was conducted to evaluate odds ratio （OR） and95%CIs for the association between alcohol consump-tion and BE. RESULTS： Twenty studies comprising 4758 patientswith BE were included in the meta-analysis. The risk ofBE 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, Eu-ropean and Asian, and hospital studies, but there was a decreased risk of BE associated with alcohol con-sumption from American studies （OR = 0.86; 95%CI： 0.77-0.96）. At the same time, there was no signifcant 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.

Study on the Consumer Credit Development Path of China——From the Perspective of Supply-side Reform

With the development of China's market economy,China's consumer credit has also developed rapidly,but there are also problems such as unbalanced credit structure and uneven regional development.Based on the perspective of supply-side reforms,this article analyzes the opportunities and risks of China's consumer credit development,and puts forward practical and effective suggestions for problems,which is of great significance to the promotion of the healthy development of China's consumer credit.

The exploration of Consumer pension

With the aging of the population increases, growing demand for the Aged, The current social insurance system of China is still not perfect, old-age security level is not high. It＇ s necessary for us to have a new model to perfect our pension system, to meet our endowment needs. The article is Based on the nature and significance of consumer pension, analyzes the current situation of consumer pension, and the feasibility of the pattern of consumer pension, and sum up some related issues that consumer pension in the development process should pay attention to.