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Data Ecology and Accurate Portrait: Optimization of Credit Risk System for SMEs in Supply Chain Finance Based on Big Data Technology 数据生态与精准刻画:基于大数据技术的供应链金融中小企业信用风险体系优化
Pub Date : 2022-01-25 DOI: 10.54560/jracr.v11i4.310
Chenyang Wu, Jinyue Liu, Hongmei Zhang
Big data technology can collect data, store it, mine it, and create an accurate portrait. It can assist financial institutions in resolving information asymmetry between banks and enterprises, as well as lowering the likelihood of default of small and medium-sized financing enterprises (SMEs). The credit risk system for SMEs in supply chain finance can realize “visualization” management of credit risk with the help of open public data in government affairs, collaborative development of various technologies, and the establishment of an ecological platform with transparent and accurate data portraits. The platform with accurate risk warning capability can reduce the risk monitoring cost and improve the risk management efficiency of financial institutions. The core enterprises are more willing to grant credit to SMEs through the big data technology supervision platform, which significantly improves the financing efficiency of SMEs. Moreover, a better financing credit circumstance also could improve transaction efficiency of enterprises and deeply connect the business relationship between enterprises. The main conclusion of this research: big data technology has a significant impact on supply chain in the digital economy era. Firstly, big data technology can identify credit risks accurately, which narrows the "information gap" between financial institutions and supply chain financing enterprises, and lower the likelihood of credit default. Secondly, financial institutions can allocate funds accurately based on the “visualization” information provided by the big data platform, and strengthen supervision of the use of funds. Lastly, the supply chain finance credit risk supervision system based on big data technology promotes the deep integration of big data and real economy. Therefore, in order to ensure the sustainable development of supply chain finance and financing risk management, it is necessary to create a digital ecosystem of supply chain finance with supply chain finance control tower as its core, as well as a supply chain finance credit risk control system based on big data in the context of the continuous development of big data technology.
大数据技术可以收集数据,存储数据,挖掘数据,并创建准确的肖像。它可以帮助金融机构解决银行与企业之间的信息不对称,降低中小融资企业违约的可能性。供应链金融中小企业信用风险系统可以借助政务公开数据,多种技术协同开发,建立数据画像透明准确的生态平台,实现信用风险的“可视化”管理。该平台具有准确的风险预警能力,可以降低风险监测成本,提高金融机构的风险管理效率。核心企业更愿意通过大数据技术监管平台向中小企业授信,大大提高了中小企业的融资效率。此外,良好的融资信用环境也可以提高企业的交易效率,并将企业之间的业务关系深度连接起来。本研究的主要结论是:在数字经济时代,大数据技术对供应链产生了重大影响。首先,大数据技术可以准确识别信用风险,缩小了金融机构与供应链融资企业之间的“信息鸿沟”,降低了信用违约的可能性。其次,金融机构可以根据大数据平台提供的“可视化”信息准确配置资金,加强对资金使用的监管。最后,基于大数据技术的供应链金融信用风险监管体系,促进了大数据与实体经济的深度融合。因此,为了保证供应链金融和融资风险管理的可持续发展,有必要在大数据技术不断发展的背景下,构建以供应链金融控制塔为核心的供应链金融数字生态系统,以及基于大数据的供应链金融信用风控体系。
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引用次数: 1
A Systematic Literature Review on the Credit Risk Management of Big Tech Lending 科技大借贷信用风险管理的系统文献综述
Pub Date : 2021-10-30 DOI: 10.54560/jracr.v11i3.303
Mu Zhang, Cheng-Fu Cao
This article reviews the relevant research of Big Tech Lending credit risk management in order to promote the research on the theory and method of credit risk management of Big Tech Lending. At present, relevant research results at home and abroad mainly concentrated on internet finance, credit risk analysis and control of digital inclusive finance and financial technology, and large-tech credit risk management framework research. Under the background of financial technology, the research on the theory and method of credit risk management of Big Tech Lending is in its infancy at home and abroad. The explanatory nature of the risk control methods of large-scale technology credit is relatively low, resulting in the fact that government supervision department cannot well identify the stability of such loans, which is a key issue that needs to be solved urgently in the credit risk management of large-scale technology credit. The research directions of Big Tech Lending credit risk management in the future include: Big Tech Lending credit risk perception and its influencing factors, Big Tech Lending credit risk control mechanism research and Big Tech Lending credit risk early warning model research.
本文回顾了科技大贷信用风险管理的相关研究,以期促进科技大贷信用风险管理理论与方法的研究。目前,国内外的相关研究成果主要集中在互联网金融、数字普惠金融与金融科技的信用风险分析与控制、大科技信用风险管理框架研究等方面。在金融科技背景下,国内外对科技大贷信用风险管理的理论和方法研究尚处于起步阶段。大规模技术信贷风险控制方法的解释性相对较低,导致政府监管部门无法很好地识别此类贷款的稳定性,这是大规模技术信贷信用风险管理中急需解决的关键问题。未来科技大贷信用风险管理的研究方向包括:科技大贷信用风险感知及其影响因素、科技大贷信用风险控制机制研究和科技大贷信用风险预警模型研究。
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引用次数: 0
Assessment of COVID-19 Epidemic Control Efficiency Based on SIRS Model 基于SIRS模型的新冠肺炎疫情防控效果评估
Pub Date : 2021-10-30 DOI: 10.54560/jracr.v11i3.302
Kai Xu, Xiaofeng Xie, X. Hang, Fengying Zhang, Qian Qian, Zongfang Zhou, D. Li, Yu Jiang
Based on the SIRS epidemic model embedded in complex network theory and the COVID-19 spreading characteristics, the influence of prevention & control and treatment on the ontagion of COVID-19 and the stability of social network is analyzed separately in this paper. The results show that the contagion of COVID-19 leads to the risk stability of social network. The number of infected persons is decreased by prevention & control and treatment which drives social network to risk-free stability. The treatment is more effective than prevention & control against COVID-19. Compared with prevention & control, treatment can make social network more risk-free and stable faster.
本文基于嵌入复杂网络理论的SIRS流行病模型,结合新冠肺炎疫情传播特点,分别分析了防控和救治对新冠肺炎疫情蔓延和社会网络稳定性的影响。结果表明,新型冠状病毒感染导致社会网络风险稳定。通过预防、控制和治疗,减少了感染人数,从而推动社会网络走向无风险的稳定。治疗比防控更有效。与预防和控制相比,治疗可以更快地使社会网络更加无风险和稳定。
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引用次数: 0
Access Risk Management for Arabian IT Company for Investing Based on Prediction of Supervised Learning 基于监督学习预测的阿拉伯IT企业投资准入风险管理
Pub Date : 2021-10-30 DOI: 10.54560/jracr.v11i3.300
Bhupinder Singh, Santosh Kumar Henge
The study focuses on chances of profit from Saudi IT company to increase with few losing trade and a less margin winning investing decisions. Fear and greed are two psychological points that dominates the investing decisions. The main objective of the research to study the risk management related to Al Moammar Information Systems that is listing on Saudi Share market. Previous Research relied on limited methods for prediction of accurate price for investing in the current bullish Markets. The research also emphasizes on predicting the right price for investing on the basis of Supervised Learning methods involving Support Vector Machine, Random Forest Regression, XGBoost, Auto Arima and Quasi Poisson Regression. Research has found that the right price to investing in this company comes out to be 106.945 on the prediction of previous 6 months period data. Data is sourced though Yahoo Finance api in form of Date, Open, High, Low, Close, Volume, Dividends and Stock Splits. This solution can be fruitful for newly trained investors who are willing to invest for long term basis.
该研究的重点是沙特IT公司的利润增加的机会,几乎没有损失的贸易和更少的利润赢得投资决策。恐惧和贪婪是支配投资决策的两个心理点。本研究的主要目的是研究在沙特股票市场上市的Al Moammar信息系统公司的风险管理。以前的研究依赖于有限的方法来预测当前看涨市场的准确价格。该研究还强调了基于监督学习方法(包括支持向量机、随机森林回归、XGBoost、Auto Arima和Quasi Poisson回归)来预测正确的投资价格。研究发现,根据前6个月的数据预测,投资该公司的合适价格为106.945。数据来源通过雅虎财经api的形式,日期,开盘,高,低,收盘,成交量,股息和股票分割。这种解决方案对于愿意长期投资的新培训投资者来说是富有成效的。
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引用次数: 2
Old Lessons of Risk Assessment and Management from the COVID-19 Pandemics and Individual Infections Dynamics 从COVID-19大流行和个体感染动态看风险评估和管理的旧教训
Pub Date : 2021-10-30 DOI: 10.54560/jracr.v11i3.301
R. Duffey, E. Zio
“Certainty creates strength…Uncertainty creates weakness” (John M Barry “The Great Influenza”, 2005, Penguin Books, p261.). “The theory is this, that it would be appropriate to believe in a proposition until there is a founded reason to suppose its truth. If this view were to become commonly agreed upon, our social lives and our political system would turn out completely changed.” (Bertrand Russell, Sceptical Essays, 1928). “The best way to prevent becoming infected is to avoid being exposed to the virus” (Source: www.astho.org/COVID-19/Q-and-A/). The recent and ongoing COVID-19 pandemic is confirming that our society is vulnerable to global risk and that science and politics are challenged by the associated high uncertainties. This makes a number of old, foundational questions on risk and its management re-emerge. In this paper, specifically for the risk posed by the current pandemic and the infection spreading phenomena driving it, we observe from data and show from theory that there are four characteristic and very human-determined timescales for infection-spread rates. Then, we conclude on the need of putting the humans in the middle/focus of risk, as they are the ones that ultimately take decisions (almost rationally) and live their outcomes. So, we argue the obvious: that is, that for managing risk, it is necessary to realize and accept rationally that risk is not absolute- it is relative and in the uncertainty of the occurrence of different events, some just have more chance of occurring than others (i.e. high versus low chance). To evaluate and compare risks, as a society we should weigh, rank and decide the intertwined balances and resulting inequalities.
“确定性创造力量……不确定性创造弱点”(约翰·M·巴里《大流感》,2005年,企鹅出版社,第261页)。"理论是这样的,相信一个命题是合适的直到有一个成立的理由来假设它的真实性。如果这一观点得到普遍认同,我们的社会生活和政治制度将会完全改变。(伯特兰·罗素,《怀疑论》,1928)。“预防感染的最佳方法是避免接触病毒”(来源:www.astho.org/COVID-19/Q-and-A/)。最近和正在进行的COVID-19大流行证实,我们的社会容易受到全球风险的影响,科学和政治受到相关高度不确定性的挑战。这使得一些关于风险及其管理的古老的基础问题重新出现。在本文中,特别是对于当前大流行所带来的风险和驱动它的感染传播现象,我们从数据和理论中观察到,感染-传播率有四个特征和非常人为决定的时间尺度。然后,我们得出结论,需要将人类置于风险的中间/焦点,因为他们是最终做出决定(几乎是理性的)并实现其结果的人。因此,我们认为这是显而易见的:即对于风险管理,有必要理性地认识和接受风险不是绝对的-它是相对的,在不同事件发生的不确定性中,有些事件发生的机会比其他事件大(即高概率比低概率)。为了评估和比较风险,作为一个社会,我们应该权衡、排序和决定相互交织的平衡和由此产生的不平等。
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引用次数: 0
Infection Waves in Pandemics and Risk Prediction: Physical Diffusion Theory and Data Comparisons 流行病中的感染波和风险预测:物理扩散理论和数据比较
Pub Date : 2021-06-01 DOI: 10.2991/JRACR.K.210609.001
R. Duffey
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引用次数: 1
Food Security Risks of Countries along the Belt and Road in the Context of the COVID-19 Pandemic 新冠肺炎大流行背景下“一带一路”沿线国家的粮食安全风险
Pub Date : 2021-05-01 DOI: 10.2991/JRACR.K.210503.001
Chao Zhang, Yanzhao Yang, Zhi-ming Feng, Tingting Lang, Xiufen Wang, Ying Liu
The COVID-19 pandemic has triggered concerns about the global food crisis, thus identification of food security risks constitutes an important basis for responding to the influence of the pandemic. In this study, the influence path of the pandemic on food security was analyzed first. Then, the risk nodes of the trade network of countries along the Belt and Road were identified by complex network analysis. Further, food security risks were comprehensively assessed, and dominant risk types were systematically determined by using a four-dimensional integrated food security risk assessment model. According to the results: (1) The COVID-19 pandemic adds to the uncertainty of food security, lowers the efficiency and stability of international trade, highlights the importance of domestic supply, and exposes the vulnerability of external dependence. (2) The Main Cereals Trade Network (MCTN) presents typical scale-free features in the Belt and Road, and core countries significantly affect the stable service of the network. However, as spreading of COVID-19, these countries may pose potential risks to the global food market in the future, by disrupting MCTN. (3) The possession of cereals less
新冠肺炎疫情引发了人们对全球粮食危机的担忧,识别粮食安全风险是应对疫情影响的重要基础。本文首先分析了疫情对粮食安全的影响路径。然后,通过复杂网络分析,识别“一带一路”沿线国家贸易网络的风险节点。在此基础上,采用四维食品安全综合风险评估模型,对食品安全风险进行综合评估,系统确定优势风险类型。结果表明:(1)新冠肺炎疫情增加了粮食安全的不确定性,降低了国际贸易的效率和稳定性,凸显了国内供应的重要性,暴露了外部依赖的脆弱性。(2)“一带一路”谷物贸易主网(MCTN)呈现典型的无标度特征,核心国家对网络的稳定服务影响显著。然而,随着COVID-19的传播,这些国家可能会扰乱MCTN,对未来的全球粮食市场构成潜在风险。(3)谷物拥有量少
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引用次数: 3
Multi-Scale Climate Change and Its Influencing Factors in Northern Shaanxi during 1960–2020 1960-2020年陕北地区多尺度气候变化及其影响因素
Pub Date : 2021-05-01 DOI: 10.2991/JRACR.K.210430.001
S. Xue, Zhou Qi
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引用次数: 0
Risk Perception Biases and the Resilience of Ethics for Complying with COVID-19-Pandemic-Related Safety Measures 风险认知偏差和遵守covid -19大流行相关安全措施的道德弹性
Pub Date : 2021-04-08 DOI: 10.2991/jracr.k.210707.001
B. Rajaonah, E. Zio
This perspective paper presents factors that bias COVID-19-related risk judgments and risks decisions, such as cognitive biases, affect heuristic, mental models of risk and trust. The goal is to raise the debate about the difficulty of risk communication in inducing attitudinal and behavioral change regarding protective measures. Talking about morality and ethics seems to be less than ever obsolete and more than ever necessary, it may even be seen like a ‘spare tire’ after one and a half year of risk communication and almost four million deaths. Maybe it is time to think in terms of resilience at all levels, from the citizen of humanity to the highest institutions.
本文提出了影响与covid -19相关的风险判断和风险决策的因素,如认知偏差,影响风险和信任的启发式心理模型。目的是提出关于风险沟通在诱导有关保护措施的态度和行为改变方面的困难的辩论。谈论道德和伦理似乎比以往任何时候都不过时,而且比以往任何时候都更有必要,在一年半的风险沟通和近400万人的死亡之后,它甚至可能被视为“备用轮胎”。也许是时候从各个层面——从人类公民到最高机构——的弹性角度来思考了。
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引用次数: 3
Research on Information Channel of Climate Change Risk Perception of Shaanxi People 陕西民众气候变化风险认知信息渠道研究
Pub Date : 2021-04-01 DOI: 10.2991/JRACR.K.210331.001
S. Xue, Qi Zhou
In the context of global climate change, major natural disasters happen frequently, and risks of climate change has further increased. The public are not only the most extensive and direct disaster bearers of climate change risk events, but also the most specific executors of disaster prevention and mitigation policies [1,2]. People’s ability to perceive climate change risks greatly influences their response ability. In other words, perception determines action [3]. An in-depth study of public climate change risk perception is an effective way to improve the public’s ability to cope with climate change risks and reduce their vulnerability [4,5]. It also has certain practical significance for the research on national climate change risk perception and response. As scholars continue to deepen their research on climate change risk perception [6], climate change that attracts worldwide concern has gradually transformed into a scientific topic concerning the public. In this process, due to differences in climate change risk perception and knowledge between scientists and the public, the dissemination of climate change information has become an important platform for communication between scientists and the public, which directly influences whether the public can achieve favorable communication with governments and scientists. The dissemination channels and sources of climate change risk information determine whether people can accurately recognize climate change as a macro-abstract natural phenomenon, thereby influencing their attitudes and behaviors toward climate change risks. Smith [7] held that media culture, technology and practice create the opportunity to enhance public’s understanding and identification of climate change risks. Studies, such as by Maria Carmen Lemos, indicated that there is a gap between useful information understood by scientists and useful information recognized by users [8]. Hmielowski [9] also found through several studies that trust in scientists influences the use of news media, which in turn influences the understanding of global warming. Lack of information was repeatedly identified by Archie [10], among others, as an obstacle to climate change adaptation planning and implementation. Lynch [11], among others, suggested that the multiple utilization of communication tools will facilitate climate change science, as well as mitigation and adaptation policy formulation. Carmichael and Brulle [12] using structural equation models showed that although media reports play an important role, they are largely the result of elite suggestion and economic factors [12]. Julia et al. [13] noted that similar to six inter-American studies of global warming, different attitudes (the five Germanys of global warming) result in differences in understanding climate change, media use, and communication behavior. John Wiley & Sons believed that key aspects of the communication process (including the purpose and scope of communication, the aud
在全球气候变化背景下,重大自然灾害频发,气候变化风险进一步加大。公众是气候变化风险事件最广泛、最直接的灾难承担者,也是防灾减灾政策最具体的执行者[1,2]。人们对气候变化风险的感知能力极大地影响着他们的应对能力。也就是说,感知决定行动[3]。深入研究公众气候变化风险感知是提高公众应对气候变化风险能力、降低脆弱性的有效途径[4,5]。对国家气候变化风险感知与应对的研究也具有一定的现实意义。随着学者们对气候变化风险认知研究的不断深入[6],气候变化这一全球关注的话题逐渐转变为一个与公众息息相关的科学话题。在这一过程中,由于科学家与公众对气候变化风险的认知和认识存在差异,气候变化信息的传播成为科学家与公众沟通的重要平台,直接影响到公众能否与政府和科学家实现良好的沟通。气候变化风险信息的传播渠道和来源决定了人们能否准确认识到气候变化是一种宏观抽象的自然现象,从而影响人们对气候变化风险的态度和行为。Smith[7]认为,媒体文化、技术和实践为提高公众对气候变化风险的认识和识别创造了机会。Maria Carmen Lemos等研究表明,科学家理解的有用信息与用户认可的有用信息之间存在差距[8]。Hmielowski[9]还通过几项研究发现,对科学家的信任会影响新闻媒体的使用,进而影响对全球变暖的理解。Archie[10]等人多次指出,缺乏信息是气候变化适应规划和实施的障碍。Lynch[11]等人认为,多种利用通信工具将促进气候变化科学,以及减缓和适应政策的制定。Carmichael和Brulle[12]利用结构方程模型表明,虽然媒体报道发挥了重要作用,但很大程度上是精英建议和经济因素的结果[12]。Julia等人[13]指出,与6个美洲国家对全球变暖的研究类似,不同的态度(全球变暖的5个德国)导致了对气候变化的理解、媒体使用和传播行为的差异。John Wiley & Sons认为,传播过程的关键方面(包括传播目的和范围、受众、框架、信息、传播者、传播手段和渠道,以及对传播结果和有效性的评价)影响着气候变化风险传播[14]。Moser和Dilling[15]在他们的研究中发现,信息和理解的缺乏解释了公众参与的缺乏,因此A RT I C L E I N F O需要更多的信息和解释
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引用次数: 0
期刊
Journal of Risk Analysis and Crisis Response JRACR
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