The development of logistics finance business for agricultural products is the best way to realize the common interests of logistics enterprises,small and medium-sized agricultural product enterprises and financial in...The development of logistics finance business for agricultural products is the best way to realize the common interests of logistics enterprises,small and medium-sized agricultural product enterprises and financial institutions,which will contribute to the development of China's new socialist rural economy and the construction of " two-oriented society". As the agricultural products have some special attributes,it's easy to create the risk in carrying out the logistics finance business. The paper constructs a risk evaluation indicator system for logistics finance of agricultural product,and uses the Fuzzy-AHP model to evaluate. The results show that the comprehensive risk level is normal risk,which shows that third-party logistics enterprises can carry out the logistics financial business of agricultural products,but the risks from logistics enterprises and agricultural collateral need to be prevented.展开更多
This paper analyzed the feasibility of development of western logistics finance based on village banks. Combining actual situations,it came up with four specific models for operation of western logistics finance:( i) ...This paper analyzed the feasibility of development of western logistics finance based on village banks. Combining actual situations,it came up with four specific models for operation of western logistics finance:( i) settlement type advance payment by village banks,( ii)pledge by warehouse receipts,( iii) inventory pledge,and( iv) confirmation warehouse models.展开更多
Correction:International Journal of Coal Science&Technology(2022)9:88 https:/doi.org/10.1007/s40789-022-00553-6 In this article,the author would like to change the Ethics Declaration as below:EthicsDeclarations Sc...Correction:International Journal of Coal Science&Technology(2022)9:88 https:/doi.org/10.1007/s40789-022-00553-6 In this article,the author would like to change the Ethics Declaration as below:EthicsDeclarations Scientific work published within the framework of an international project DD-MET co-financed by the Research Fund for Coal and Steel(RFCS),(Grant Agreement:847338)and by the Polish Ministry of Science and Higher Education(Contract no.5073/FBWiS/19/2020/2 and 5038/FBWiS/2019/2).展开更多
In the European Union(EU),the revised Payment Services Directive(PSD2)aims to provide more convenient and customized financial products through open banking(OB)platforms.However,little attention has been paid to the r...In the European Union(EU),the revised Payment Services Directive(PSD2)aims to provide more convenient and customized financial products through open banking(OB)platforms.However,little attention has been paid to the role of OB in improving the financial well-being of the growing number of the EU’s underserved groups,which currently constitute approximately a quarter of its population.This study examines how the PSD2 and OB impact inclusive finance in the EU based on the perspectives of the Netherlands’ecosystem,one of the leaders in the EU’s financial technology(FinTech)landscape.A fundamental distinction can be drawn between the OB users and the ecosystem’s players.Regarding the impact of financial services on the users’inclusivity,while the PSD2 strengthens the infrastructure necessary for financial inclusion,many challenges remain,mainly because it was not designed for this purpose.This study identifies several areas of improvement that include adjustments to the know your customer and anti-money laundering processes for underserved customers,innovative ways to communicate the PSD2’s potential,and the regulation of technology providers’activities to build trust.Meanwhile,from the ecosystem’s position,there is a need to strengthen and improve microfinance regulation according to the opportunities provided by the PSD2 to support microfinance institutions(MFIs)in scaling up and reaching underserved clients across borders with innovative services.OB improvements can also be achieved by organizations formed by MFIs and FinTechs in collaboration with banks.Such hybrid institutions will combine the best features of each of them:knowledge of the needs of local underserved clients from MFIs,technological innovations from FinTechs,and large and trusted customer bases,infrastructures,and access to institutional investments and governments from banks.Finally,an EU inclusive OB sector depends on the centrality of trusted regulators as coordination bodies.The PSD2 requires adjustments for underserved populations’specific needs.OB improvements can be achieved by organizations formed by MFIs and Fin-Techs in collaboration with banks.Regulated technical service providers(TSPs)are crucial to building trust and customer adoption in OB.The European Banking Authority(EBA)may function as coordination body to design inclusive rules by engaging with OB stakeholders.As inclusive finance moves into open-finance and data eras,an increasing regulatory complexity and scope will require networks of innovative and trusted regulators.展开更多
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
One of the prime objectives of maintenance is to minimize the total maintenance costs. Total maintenance costs include direct costs and maintenance dependent costs. Direct costs include labor, material, and overheads....One of the prime objectives of maintenance is to minimize the total maintenance costs. Total maintenance costs include direct costs and maintenance dependent costs. Direct costs include labor, material, and overheads. Whereas maintenance dependent costs refer to the costs of lost production or loss of revenue due to breakdown maintenance.展开更多
文摘The development of logistics finance business for agricultural products is the best way to realize the common interests of logistics enterprises,small and medium-sized agricultural product enterprises and financial institutions,which will contribute to the development of China's new socialist rural economy and the construction of " two-oriented society". As the agricultural products have some special attributes,it's easy to create the risk in carrying out the logistics finance business. The paper constructs a risk evaluation indicator system for logistics finance of agricultural product,and uses the Fuzzy-AHP model to evaluate. The results show that the comprehensive risk level is normal risk,which shows that third-party logistics enterprises can carry out the logistics financial business of agricultural products,but the risks from logistics enterprises and agricultural collateral need to be prevented.
基金Supported by Project of Department of Education of Guangxi Zhuang Autonomous Region(201106LX614)Foundation for Young Teacher Growth Project of Baise University
文摘This paper analyzed the feasibility of development of western logistics finance based on village banks. Combining actual situations,it came up with four specific models for operation of western logistics finance:( i) settlement type advance payment by village banks,( ii)pledge by warehouse receipts,( iii) inventory pledge,and( iv) confirmation warehouse models.
文摘Correction:International Journal of Coal Science&Technology(2022)9:88 https:/doi.org/10.1007/s40789-022-00553-6 In this article,the author would like to change the Ethics Declaration as below:EthicsDeclarations Scientific work published within the framework of an international project DD-MET co-financed by the Research Fund for Coal and Steel(RFCS),(Grant Agreement:847338)and by the Polish Ministry of Science and Higher Education(Contract no.5073/FBWiS/19/2020/2 and 5038/FBWiS/2019/2).
基金Financial Inclusion through Digitalisation in Europe]research project.SFIDE is funded by The European Investment Bank Institute,EIBURS research grant(2020-22)on the theme“Building the future of inclusive finance:the role of FinTechs and digitalisation”.The funding body had no role in the design of the study,collection,analysis,and interpretation of data,as well as in writing or revising the manuscript.
文摘In the European Union(EU),the revised Payment Services Directive(PSD2)aims to provide more convenient and customized financial products through open banking(OB)platforms.However,little attention has been paid to the role of OB in improving the financial well-being of the growing number of the EU’s underserved groups,which currently constitute approximately a quarter of its population.This study examines how the PSD2 and OB impact inclusive finance in the EU based on the perspectives of the Netherlands’ecosystem,one of the leaders in the EU’s financial technology(FinTech)landscape.A fundamental distinction can be drawn between the OB users and the ecosystem’s players.Regarding the impact of financial services on the users’inclusivity,while the PSD2 strengthens the infrastructure necessary for financial inclusion,many challenges remain,mainly because it was not designed for this purpose.This study identifies several areas of improvement that include adjustments to the know your customer and anti-money laundering processes for underserved customers,innovative ways to communicate the PSD2’s potential,and the regulation of technology providers’activities to build trust.Meanwhile,from the ecosystem’s position,there is a need to strengthen and improve microfinance regulation according to the opportunities provided by the PSD2 to support microfinance institutions(MFIs)in scaling up and reaching underserved clients across borders with innovative services.OB improvements can also be achieved by organizations formed by MFIs and FinTechs in collaboration with banks.Such hybrid institutions will combine the best features of each of them:knowledge of the needs of local underserved clients from MFIs,technological innovations from FinTechs,and large and trusted customer bases,infrastructures,and access to institutional investments and governments from banks.Finally,an EU inclusive OB sector depends on the centrality of trusted regulators as coordination bodies.The PSD2 requires adjustments for underserved populations’specific needs.OB improvements can be achieved by organizations formed by MFIs and Fin-Techs in collaboration with banks.Regulated technical service providers(TSPs)are crucial to building trust and customer adoption in OB.The European Banking Authority(EBA)may function as coordination body to design inclusive rules by engaging with OB stakeholders.As inclusive finance moves into open-finance and data eras,an increasing regulatory complexity and scope will require networks of innovative and trusted regulators.
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.
文摘One of the prime objectives of maintenance is to minimize the total maintenance costs. Total maintenance costs include direct costs and maintenance dependent costs. Direct costs include labor, material, and overheads. Whereas maintenance dependent costs refer to the costs of lost production or loss of revenue due to breakdown maintenance.
