As the COVID-19 pandemic adversely affects the financial markets,a better understanding of the lending dynamics of a successful marketplace is necessary under the conditions of financial distress.Using the loan book d...As the COVID-19 pandemic adversely affects the financial markets,a better understanding of the lending dynamics of a successful marketplace is necessary under the conditions of financial distress.Using the loan book database of Mintos(Latvia)and employing logit regression method,we provide evidence of the pandemic-induced exposure to default risk in the marketplace lending market.Our analysis indicates that the probability of default increases from 0.056 in the pre-pandemic period to 0.079 in the post-pandemic period.COVID-19 pandemic has a significant impact on default risk during May and June of 2020.We also find that the magnitude of the impact of COVID-19 risk is higher for borrowers with lower credit ratings and in countries with low levels of FinTech adoption.Our main findings are robust to sample selection bias allowing for a better understanding of and quantifying risks related to FinTech loans during the pandemic and periods of overall economic distress.展开更多
In this study, three kinds of spaces with different marketplace atmospheres, namely, the tea-drinking space, the commercial space and the courtyard space, are created with the aid of the marketplace culture characteri...In this study, three kinds of spaces with different marketplace atmospheres, namely, the tea-drinking space, the commercial space and the courtyard space, are created with the aid of the marketplace culture characteristics of the local blocks in Pengzhen Town and the catalyst theory, so as to achieve the purpose of activating the traditional blocks in Pengzhen Town. The design takes the marketplace culture as the entry point and the most vigorous points as the catalyst points to create a living space with strong marketplace flavor, thereby activating the economic and social activities of the traditional block and promotes the sustainable renewal of the cultural space.展开更多
The multi-agent negotiation test-bed proposed by Collins was modified. It utilizes publish/subscribe system, time-release cryptography and anonymous communication. The proposed protocol reduces DOS attack and avoids r...The multi-agent negotiation test-bed proposed by Collins was modified. It utilizes publish/subscribe system, time-release cryptography and anonymous communication. The proposed protocol reduces DOS attack and avoids replay data attack by providing ticket token and deal sequence number to the supplier. And it is proved that generating random number to the supplier by market is better than the supplier doing it by him in guaranteeing anonymity. Market publishes an interpolating polynomial for sharing the determination process data. It avoids collusion between a customer and a certain supplier. According to the comparison and analysis with other protocols, the proposed protocol shows good security and better efficiency.展开更多
The global apparel fabrics and accessories industry is gearing up for its key spring summit–one of the trade fair highlights of the year where the entire sector gathers to do business,discover the latest fashion tren...The global apparel fabrics and accessories industry is gearing up for its key spring summit–one of the trade fair highlights of the year where the entire sector gathers to do business,discover the latest fashion trends,find new innovations and discuss what’s in store for the year ahead.展开更多
These days,data is regarded as a valuable asset in the era of the data economy,which demands a trading platform for buying and selling data.However,online data trading poses challenges in terms of security and fairnes...These days,data is regarded as a valuable asset in the era of the data economy,which demands a trading platform for buying and selling data.However,online data trading poses challenges in terms of security and fairness because the seller and the buyer may not fully trust each other.Therefore,in this paper,a blockchain-based secure and fair data trading system is proposed by taking advantage of the smart contract and matchmaking encryption.The proposed system enables bilateral authorization,where data trading between a seller and a buyer is accomplished only if their policies,required by each other,are satisfied simultaneously.This can be achieved by exploiting the security features of the matchmaking encryption.To guarantee non-repudiation and fairness between trading parties,the proposed system leverages a smart contract to ensure that the parties honestly carry out the data trading protocol.However,the smart contract in the proposed system does not include complex cryptographic operations for the efficiency of onchain processes.Instead,these operations are carried out by off-chain parties and their results are used as input for the on-chain procedure.The system also uses an arbitration protocol to resolve disputes based on the trading proof recorded on the blockchain.The performance of the protocol is evaluated in terms of off-chain computation overhead and on-chain gas consumption.The results of the experiments demonstrate that the proposed protocols can enable the implementation of a cost-effective data trading system.展开更多
Bazaars are considered essential components of a society’s economy and significant features in the urban context of cities,which have emerged based on exchanging goods and meeting people’s needs.Since the late Qajar...Bazaars are considered essential components of a society’s economy and significant features in the urban context of cities,which have emerged based on exchanging goods and meeting people’s needs.Since the late Qajar period,amidst the rapid changes resulting from interaction with modernization,the form of Tabriz Grand Bazaar has undergone significant changes.The research aims to explain the contemporary transformations of marketplace form in the leather and shoe sectors.The objectives aim to elucidate the contemporary physical,functional,and sementic changes and propose strategies.The research method is qualitative,with a phenomenological approach.The results indicate that the Bazaar has lost some physical and sementic functions.Despite providing goods,it has failed to meet the public’s demands because of eliminating production workshops by changing the productive function to service-oriented and the size and shape of spaces.The decline of religious activities is also one reason for the diminished sementic dimension.Regarding functional and physical aspects,some proposed solutions include preserving the authenticity of the spaces and utilizing suitable Functions with the dominant architectural style.Regarding sementic characteristics,suggestions include enhancing the sense of identity.展开更多
Purpose: From a social and labor inclusion perspective, the article presents a digital prototype conceptualized to provide a “Diagnostic Page”, which delivers various prescribers and suppliers of support products th...Purpose: From a social and labor inclusion perspective, the article presents a digital prototype conceptualized to provide a “Diagnostic Page”, which delivers various prescribers and suppliers of support products that mitigate the problems of the respective patients. It also provides a “Patient Card Page”, where all the information about financing the respective products is placed, as well as all the documents likely to be needed for the commercial transactions to be carried out by all the parties involved. It also aims to provide a digital medium to grow a community in this niche market. In the action research methodology approach, the prototype was taken to funding competitions and conferences, where interviews and surveys were carried out, and a number of suggestions were collected on the type of platform to consider in order to respond to the concerns and needs of end users, such as patients, prescribers, suppliers and associations. Methods: The digital platform where the system is hosted uses algorithms that, on the diagnostic page, consider keywords used by patients and return a series of prescribers and suppliers of support products, in which the corresponding percentage of attenuation is taken into account and the best solution found to overcome the level of difficulty presented by the respective patients is delivered. Results and Conclusions: It is hoped that, with this platform, people with motor problems will be able to obtain their diagnosis instantly, through the algorithm implemented, and that they will immediately be provided with a series of prescribers, suppliers and support products best suited to their needs, as well as all the information or conditions necessary to purchase or finance them. On the other hand, prescribers, suppliers and associations have an online platform where they can offer their consultations, products and other support as freelancers who are part of a community.展开更多
文摘As the COVID-19 pandemic adversely affects the financial markets,a better understanding of the lending dynamics of a successful marketplace is necessary under the conditions of financial distress.Using the loan book database of Mintos(Latvia)and employing logit regression method,we provide evidence of the pandemic-induced exposure to default risk in the marketplace lending market.Our analysis indicates that the probability of default increases from 0.056 in the pre-pandemic period to 0.079 in the post-pandemic period.COVID-19 pandemic has a significant impact on default risk during May and June of 2020.We also find that the magnitude of the impact of COVID-19 risk is higher for borrowers with lower credit ratings and in countries with low levels of FinTech adoption.Our main findings are robust to sample selection bias allowing for a better understanding of and quantifying risks related to FinTech loans during the pandemic and periods of overall economic distress.
文摘In this study, three kinds of spaces with different marketplace atmospheres, namely, the tea-drinking space, the commercial space and the courtyard space, are created with the aid of the marketplace culture characteristics of the local blocks in Pengzhen Town and the catalyst theory, so as to achieve the purpose of activating the traditional blocks in Pengzhen Town. The design takes the marketplace culture as the entry point and the most vigorous points as the catalyst points to create a living space with strong marketplace flavor, thereby activating the economic and social activities of the traditional block and promotes the sustainable renewal of the cultural space.
基金This work is supported by the MIC( Ministry of Information &Communication) , KOREA,under the ITRC(Information Technology Research Center) support program supervised by the IITA (Institute of Information Technology Assessment)(IITA-2006-C1090-0603-0020)
文摘The multi-agent negotiation test-bed proposed by Collins was modified. It utilizes publish/subscribe system, time-release cryptography and anonymous communication. The proposed protocol reduces DOS attack and avoids replay data attack by providing ticket token and deal sequence number to the supplier. And it is proved that generating random number to the supplier by market is better than the supplier doing it by him in guaranteeing anonymity. Market publishes an interpolating polynomial for sharing the determination process data. It avoids collusion between a customer and a certain supplier. According to the comparison and analysis with other protocols, the proposed protocol shows good security and better efficiency.
文摘The global apparel fabrics and accessories industry is gearing up for its key spring summit–one of the trade fair highlights of the year where the entire sector gathers to do business,discover the latest fashion trends,find new innovations and discuss what’s in store for the year ahead.
基金supported by Basic Science Research Program through the National Research Foundation of Korea(NRF)funded by the Ministry of Education(No.2022R1I1A3063257)supported by Electronics and Telecommunications Research Institute(ETRI)grant funded by the Korean Government[22ZR1300,Research on Intelligent Cyber Security and Trust Infra].
文摘These days,data is regarded as a valuable asset in the era of the data economy,which demands a trading platform for buying and selling data.However,online data trading poses challenges in terms of security and fairness because the seller and the buyer may not fully trust each other.Therefore,in this paper,a blockchain-based secure and fair data trading system is proposed by taking advantage of the smart contract and matchmaking encryption.The proposed system enables bilateral authorization,where data trading between a seller and a buyer is accomplished only if their policies,required by each other,are satisfied simultaneously.This can be achieved by exploiting the security features of the matchmaking encryption.To guarantee non-repudiation and fairness between trading parties,the proposed system leverages a smart contract to ensure that the parties honestly carry out the data trading protocol.However,the smart contract in the proposed system does not include complex cryptographic operations for the efficiency of onchain processes.Instead,these operations are carried out by off-chain parties and their results are used as input for the on-chain procedure.The system also uses an arbitration protocol to resolve disputes based on the trading proof recorded on the blockchain.The performance of the protocol is evaluated in terms of off-chain computation overhead and on-chain gas consumption.The results of the experiments demonstrate that the proposed protocols can enable the implementation of a cost-effective data trading system.
文摘Bazaars are considered essential components of a society’s economy and significant features in the urban context of cities,which have emerged based on exchanging goods and meeting people’s needs.Since the late Qajar period,amidst the rapid changes resulting from interaction with modernization,the form of Tabriz Grand Bazaar has undergone significant changes.The research aims to explain the contemporary transformations of marketplace form in the leather and shoe sectors.The objectives aim to elucidate the contemporary physical,functional,and sementic changes and propose strategies.The research method is qualitative,with a phenomenological approach.The results indicate that the Bazaar has lost some physical and sementic functions.Despite providing goods,it has failed to meet the public’s demands because of eliminating production workshops by changing the productive function to service-oriented and the size and shape of spaces.The decline of religious activities is also one reason for the diminished sementic dimension.Regarding functional and physical aspects,some proposed solutions include preserving the authenticity of the spaces and utilizing suitable Functions with the dominant architectural style.Regarding sementic characteristics,suggestions include enhancing the sense of identity.
文摘Purpose: From a social and labor inclusion perspective, the article presents a digital prototype conceptualized to provide a “Diagnostic Page”, which delivers various prescribers and suppliers of support products that mitigate the problems of the respective patients. It also provides a “Patient Card Page”, where all the information about financing the respective products is placed, as well as all the documents likely to be needed for the commercial transactions to be carried out by all the parties involved. It also aims to provide a digital medium to grow a community in this niche market. In the action research methodology approach, the prototype was taken to funding competitions and conferences, where interviews and surveys were carried out, and a number of suggestions were collected on the type of platform to consider in order to respond to the concerns and needs of end users, such as patients, prescribers, suppliers and associations. Methods: The digital platform where the system is hosted uses algorithms that, on the diagnostic page, consider keywords used by patients and return a series of prescribers and suppliers of support products, in which the corresponding percentage of attenuation is taken into account and the best solution found to overcome the level of difficulty presented by the respective patients is delivered. Results and Conclusions: It is hoped that, with this platform, people with motor problems will be able to obtain their diagnosis instantly, through the algorithm implemented, and that they will immediately be provided with a series of prescribers, suppliers and support products best suited to their needs, as well as all the information or conditions necessary to purchase or finance them. On the other hand, prescribers, suppliers and associations have an online platform where they can offer their consultations, products and other support as freelancers who are part of a community.
