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Journal articles on the topic 'Credit risk control'

Author: Grafiati

Published: 30 May 2022

Last updated: 31 July 2025

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1

Mann, Steven V. "Optimal Control of Credit Risk." Journal of Financial Research 25, no. 4 (2002): 593–94. http://dx.doi.org/10.1111/1475-6803.00039.

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2

Riak PhD, Gabriel Alier, and Dut Bol Ayuel Bill. "CREDIT CONTROL ON DEVELOPMENT." IJRDO - Journal of Social Science and Humanities Research 8, no. 11 (2022): 77–78. http://dx.doi.org/10.53555/sshr.v8i11.5377.

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Credit risk management is defined as identification, measurement, monitoring and control of risk arising from the possibility of default in loan repayments (Abdifatah& Ogle, 2010). Also Ogilo, (2012) defines Credit Risk Management to involve the process of making decisions relating to the investment of funds. Such decisions should be carefully analyzed as they are characterized by an element of uncertainty (Wanjira, 2010). Credit extended to borrowers may be at the risk of default such that whereas banks extend credit on the understanding that borrowers will repay their loans, some b

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3

Wang, Yannan, and Siyu Han. "Research on credit control and management of commercial banks." Economics and Public Policy 1, no. 1 (2025): 54. https://doi.org/10.63313/epp.9004.

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With mounting economic pressures in China, commercial banks are witnessing a continuous rise in non-performing loans, making credit risk management a renewed focus of attention. Effective risk management and control in credit operations serve as both essential require-ments for maintaining the healthy development of China's financial market and vital strate-gies for commercial banks to sustain competitiveness. When handling complex credit port-folios, how to effectively mitigate credit risks has become a critical challenge requiring in-depth research by grassroots commercial banks. This paper

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4

Kepuladze, T. A. "Credit risk management in the bank." Bulletin of Dulaty University 16, no. 4 (2024): 216–25. https://doi.org/10.55956/bkov2679.

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The article is devoted to the issues of credit risk management in the banking sector, which remain a key factor in financial stability and sustainability of the banking system. The main attention is paid to the analysis of modern methods of assessing and minimizing credit risks, including the introduction of new digital technologies, improving borrower scoring procedures and the use of big data to predict customer solvency. The article discusses factors influencing the growth of problem loans, such as macroeconomic instability, increasing debt burden and changes in borrower behavior. Particula

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Ndegwa, Michael K., Apurba Shee, Calum G. Turvey, and Liangzhi You. "Uptake of insurance-embedded credit in presence of credit rationing: evidence from a randomized controlled trial in Kenya." Agricultural Finance Review 80, no. 5 (2020): 745–66. http://dx.doi.org/10.1108/afr-10-2019-0116.

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PurposeDrought-related climate risk and access to credit are among the major risks to agricultural productivity for smallholder farmers in Kenya. Farmers are usually credit-constrained due to either involuntary quantity rationing or voluntary risk rationing. By exploiting randomized distribution of weather risk-contingent credit (RCC) and traditional credit, the authors estimate the causal effect of bundling weather index insurance to credit on uptake of agricultural credits among rural smallholders in Eastern Kenya. Further, the authors assess farmers' credit rationing, its determinants and e

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Andreou, Elena, and Eric Ghysels. "Quality control for structural credit risk models." Journal of Econometrics 146, no. 2 (2008): 364–75. http://dx.doi.org/10.1016/j.jeconom.2008.08.013.

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7

Yangyudongnanxin, Guo. "Financial Credit Risk Control Strategy Based on Weighted Random Forest Algorithm." Scientific Programming 2021 (October 19, 2021): 1–9. http://dx.doi.org/10.1155/2021/6276155.

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In order to improve the effectiveness of financial credit risk control, a financial credit risk control strategy based on weighted random forest algorithm is proposed. The weighted random forest algorithm is used to classify the financial credit risk data, construct the evaluation index system, and use the analytic hierarchy process to evaluate the financial credit risk level. The targeted risk control strategies are taken according to different risk assessment results. We compared the proposed method with two other methods, and the experimental results show that the proposed method has higher

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BAVEENKUMAR, S. "Credit Risk Management." INTERNATIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 09, no. 04 (2025): 1–9. https://doi.org/10.55041/ijsrem46201.

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ABSTRACT This study assesses the financial performance and credit risk management practices of select private sector banks in India between 2020 and 2024. In light of increasing competition and dynamic regulatory frameworks, it explores the importance of profitability and risk control as fundamental measures of a bank’s success.The research focuses on five key banks: HDFC Bank, ICICI Bank, Karur Vysya Bank, Federal Bank, and Tamilnad Mercantile Bank. The study is entirely based on secondary data collected from annual reports, financial portals, and scholarly sources.To evaluate financial stren

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Tien, Dat Pham, and Kim Quoc Trung Nguyen. "Credit risk management and effectiveness of credit activities: Evidence from Vietnam." Journal of Eastern European and Central Asian Research (JEECAR) 10, no. 5 (2023): 788–99. http://dx.doi.org/10.15549/jeecar.v10i5.989.

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The research aims to assess the effects of credit risk management on the effectiveness of credit activities at Vietnamese state-owned commercial banks. Based on the literature review and empirical studies, the aspects of credit risk management practices include four factors proposed in the research model, such as: credit terms, client appraisal, credit risk control, and collection policies. The author implements the descriptive statistical method and linear regression model on SPSS with data from a survey of credit officers from state-owned commercial banks in Vietnam. The findings show that c

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Tunay, K. Batu, Hasan F. Yuceyılmaz, and Ahmet Çilesiz. "An International Comparison on Excessive Credit Expansion, Credit Guarantee Programs and The Risks Arising." Khazar Journal of Humanities and Social Sciences 23, no. 1 (2020): 83–102. http://dx.doi.org/10.5782/2223-2621.2020.23.1.83.

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Crediting in the banking sector plays an important role in all developed and developing countries. For this reason, it is monitored continuously by public authorities and measures are taken to control credit supply in economic growth periods. On the other hand, in an economic slowdown, when banks are reluctant to increase their credit portfolio, public credit guarantee programs are put into use to increase the credit supply. In this study, a sample covering 26 advanced and emerging economies was analyzed, and the effects of credit gap, credit guarantees and economic growth on credits and arisi

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11

Maria Antony, Tisa, and Suresh G. "Determinants of credit risk: Empirical evidence from Indian commercial banks." Banks and Bank Systems 18, no. 2 (2023): 88–100. http://dx.doi.org/10.21511/bbs.18(2).2023.08.

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Credit risk is a significant factor affecting the financial stability of banks. Keeping the credit risk under control is essential to maintain a bank’s cash flow. This paper examines the various profitability, microeconomic and macroeconomic indicators that affect a bank’s credit risk. The study uses the dataset of 31 banks from 2012 to 2021 and employs a panel data modelling approach to account for any variations in risk-taking behavior. The results revealed a statistically significant negative relationship between return on equity and credit risk when nonperforming loans proxy credit risk. T

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12

Timuneno, Antonius Yohanes William. "PENGARUH EVALUASI KREDIT DAN PENGAWASAN KREDIT TERHADAP RISIKO KREDIT MACET." Journal of Management Small and Medium Enterprises (SMEs) 15, no. 2 (2022): 207–23. http://dx.doi.org/10.35508/jom.v15i2.6724.

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The research background is risk of the loan credit which is the one problem which inseperable from the operations system in credit service unions in district Oebobo of Kupang City. In observation the loan default, the efforts of tackling was involved two important factors were credit evaluation and control credit. This research was conducted in 15 units of credit unions that were selected based on the criteria previously and the sample were 30 persons from credit management and supervisory elements. Technique in collecting data is observation interview, questionnnary, and documentation. The re

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Mamatkulov, Shayadbek Nasibullayevich. "FACTORS ENSURING CREDIT RISK PROTECTION." INTERNATIONAL BULLETIN OF APPLIED SCIENCE AND TECHNOLOGY 3, no. 6 (2023): 640–44. https://doi.org/10.5281/zenodo.8045455.

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Quality analysis of credit applications and customer information, introduction of an effective information system and control for the organization of the credit process, will make it possible to prevent subjective defects in the crediting process.

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14

Kamalloo, Ehsan, and Mohammad Saniee Abadeh. "Credit Risk Prediction Using Fuzzy Immune Learning." Advances in Fuzzy Systems 2014 (2014): 1–11. http://dx.doi.org/10.1155/2014/651324.

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The use of credit has grown considerably in recent years. Banks and financial institutions confront credit risks to conduct their business. Good management of these risks is a key factor to increase profitability. Therefore, every bank needs to predict the credit risks of its customers. Credit risk prediction has been widely studied in the field of data mining as a classification problem. This paper proposes a new classifier using immune principles and fuzzy rules to predict quality factors of individuals in banks. The proposed model is combined with fuzzy pattern classification to extract acc

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15

Dwinanda, Ibnu Zakaria, and Chorry Sulistyowati. "The Effect of Credit Risk and Liquidity Risk on Bank Stability." Jurnal Ilmu Ekonomi Terapan 6, no. 2 (2021): 255. http://dx.doi.org/10.20473/jiet.v6i2.31144.

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The purpose of this study is to determine the effect of credit risk and liquidity risk on bank stability. This study used the multiple regression analysis to determine the effect of credit risk and liquidity risk as the independent variables, with BOPO (Biaya Operasional Pendapatan Operasional), GDP (Gross Domestic Bruto), BI Rate as the control variables, on Bank Stability as the dependent variable. Using purposive sampling method to collected data from the list of banking companies in OJK (Otoritas Jasa Keuangan) from 2013 to 2017 consisting of 437 observations. The estimated results show th

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16

Li, Meiling. "Practice and Research on Enterprise Financial Credit Risk." Frontiers in Business, Economics and Management 19, no. 1 (2025): 138–45. https://doi.org/10.54097/9ybneg68.

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This paper aims to explore the management and practice of enterprise's financial credit risk. Through systematic literature review, theoretical analysis and empirical research, a set of financial credit risk assessment and prevention and control system suitable for modern enterprises is constructed. Based on the definition, theoretical basis and classification of credit risk, combined with quantitative and qualitative research methods, this paper deeply analyzes the financial credit risk of enterprises. Through the analysis of actual cases, this paper reveals the causes, impacts and prevention

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17

Hidayat, Yuyun, Sukono Sukono, Predy Hartanto, et al. "Integration of factor analysis and Tsukamoto’s fuzzy logic method for quality control of credit provisions in rural banks." Decision Science Letters 12, no. 2 (2023): 267–78. http://dx.doi.org/10.5267/j.dsl.2023.1.008.

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Giving credit to debtors can pose a default risk. This risk arises because of an error in analyzing the credit risk rate of the debtor. Therefore, this study aims to design a framework for analyzing the credit risk rate of debtors so that the default risk can be reduced. This framework is created using the integration of factor analysis and Tsukamoto’s fuzzy logic method. This integration method can group many credit assessment variables into several decisive factors. In addition, the integration method can estimate credit risk rate firmly based on the α-predicate of each basic rule. This anal

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18

Dabi, Rowland Seyram Koku, Nugraha Nugraha, Disman Disman, and Maya Sari. "A Survey of Banks in Ghana's Credit Risk Management Practices." Image : Jurnal Riset Manajemen 11, no. 1 (2023): 45–58. http://dx.doi.org/10.17509/image.2023.005.

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In recent times, banks and other financial institutions that lend money to customers have placed a high priority on credit risk management. To manage credit risk, banks employ customer evaluation systems, loan size restrictions, credit checks, flexible loan repayment plans, and fines Hence, the present study focuses on the credit risk management practices used in banks, to identify the internal control measures used in mitigating credit risk in banks and to examine the challenges faced in implementing credit risk management practices. The Ordinal Logistic Regression(OLR) was used to identify t

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19

Wu, Xiaowo, Jiangwei Tu, Boru Liu, Xi Zhou, and Yanxiong Wu. "Credit Risk Evaluation of Forest Farmers under Internet Crowdfunding Mode: The Case of China’s Collective Forest Regions." Sustainability 14, no. 10 (2022): 5832. http://dx.doi.org/10.3390/su14105832.

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To effectively quantify and control the credit risk of forest farmers under internet crowdfunding mode, the combined weighting of norm grey correlation, the improved analytic hierarchy process and empirical mode decomposition method are proposed to measure the credit risk, and the interval rough number DEMATEL method is used to analyze the credit risk factors of forest farmers. Through the calculation of comprehensive influence degree, it is concluded that the degree of investor information asymmetry, the intensity of supervision, the degree of innovation and cooperation between funders and in

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20

Zhang, Haiyan, Zhe Guo, and Yingying Sun. "Analysis of Bank Customer Default Risk Based on Embedded Microprocessor Wireless Communication." Security and Communication Networks 2022 (March 17, 2022): 1–11. http://dx.doi.org/10.1155/2022/5635152.

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Bank personal credit is affected by factors such as inadequate management and lagging risk information management system. Bank default risk analysis is needed to improve the ability of bank credit risk management. Therefore, a bank customer default risk analysis based on embedded microprocessor wireless communication is proposed. Firstly, it analyzes the risk assessment parameter evaluation system of personal credit, constructs the quantitative analysis model of personal credit risk, calculates the grade gradient value in the bank’s personal credit risk standard, carries out the mathematical m

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21

Rahayu, Tri Puji, and Nanang Shonhadji. "Risk-based credit analysis using ethnomethodology approach." Indonesian Accounting Review 5, no. 2 (2015): 111. http://dx.doi.org/10.14414/tiar.v5i2.641.

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The economic activities in Mojokerto Regency are much related to the world of bank-ing. Therefore, banking industries in this regency have a very important role to pro-mote the economy of a country. This study is to determine the credit risk analysis and the causes of the possible occurrence of the risk, as well as the policies conducted to control of the credit risk. This research uses ethnomethodology, a method which focus-es on interview with informants based on their experiments. The data collection me-thod is observation, interview, documentation, and literature study. The result of this

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22

Zhang, Qingyuan. "Research on Bank Financial Risk Control Mechanism Based on KMV Model." Frontiers in Business, Economics and Management 6, no. 3 (2022): 241–44. http://dx.doi.org/10.54097/fbem.v6i3.3628.

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Starting from the loan users, KMV model transfers the evaluation of credit risk from the perspective of banks to the perspective of repayment enterprises, and judges whether the lending enterprises have repayment ability as the basis for evaluating credit risk. Credit risk is the core risk faced by commercial banks. When the economic situation fluctuates, people's economic expectations will gradually change, and the behavior of borrowers will also change. This paper studies the financial risk control mechanism of banks based on KMV model. This paper studies the credit risk status of 11 listed

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23

Dwi Widyawati, Luluk, Efendri Efendri, and Ludwina Harahap. "Internal Control Of Multi-Purpose Credit Granting: Case Study Of Bank Xyz In Indonesia." International Journal of Multidisciplinary Sciences and Arts 4, no. 2 (2025): 1–7. https://doi.org/10.47709/ijmdsa.v4i2.5786.

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This research aims to analyze internal control in the provision of Multi-Purpose Credit (KSM) at Bank XYZ Branch XX. The primary focus of this study is to understand how control activities can minimize credit risk faced by the bank. Credit risk refers to the potential loss incurred by lenders due to borrowers failing to meet their obligations as per the agreed terms. In this context, effective internal control is crucial to ensure that all aspects of credit provision are carried out accurately and properly. Control activities encompass a series of procedures and policies designed to manage cre

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Lenka, Vanessa K. Sibagariang, and Wahyu Rejekiningsih Tri. "Analysis of the Effectiveness of Banking Credit Risk Control with Macroprudential Policy in Indonesia." Journal of Economics, Finance and Management Studies 6, no. 10 (2023): 4861–68. https://doi.org/10.5281/zenodo.10215659.

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High credit risk will affect the health of the bank which will be a factor causing systemic risk. This research aims to analyze the effectiveness of macroprudential policy in controlling banking credit risk in Indonesia. This research uses Non-Performing Loans (NPL) as an indicator of credit risk. Meanwhile, as indicators of macroprudential policy, policy instruments such as LTV (Loan to Value), RIM (Macroprudential Intermediation Ratio), DTI (Debt to Income), and COC (Ceilings on Credit). The analytical method used in this research is panel data regression analysis with a fixed effect model (

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25

Wang, Han. "A Novel Risk Control Method of Supply Chain Finance for Commercial Banks with Big Data." Highlights in Business, Economics and Management 7 (April 5, 2023): 502–12. http://dx.doi.org/10.54097/hbem.v7i.7028.

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Commercial bank supply chain financial business is mainly divided into accounts receivable financing mode, inventory financing mode and advance financing mode. Traditional supply chain financial business of commercial banks in different modes will form different risks, including small and medium-sized enterprise credit risk, the core enterprise credit risk and credit risk of the third-party logistics warehousing company. Under the background of increasingly powerful financial science and technology, we can use more financial technology through big data multidimensional collecting enterprise in

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Kogeda, Okuthe Paul, and Nicknolt N. Vumane. "A Model Augmenting Credit Risk Management in the Banking Industry." International Journal of Technology Diffusion 8, no. 4 (2017): 47–65. http://dx.doi.org/10.4018/ijtd.2017100104.

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A lack of reliable credit risk measurements and poor control of credit risks has caused massive financial losses across a wide spectrum of business. Financial institutions like banks have not been able to control and contain the rapid increases of the credit defaulting. In this paper, we address the credit lending challenges by eliminating credit defaulting faced by the banking industry. Data from bank of previously accepted and rejected loan applicants was used to construct a credit risk evaluation network. The artificial neural network technique with back-propagation algorithm was applied to

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27

Agang, Jared Ochieng, and Charity Njoka. "Internal Controls and Credit Risk Among Commercial Banks Listed in Nairobi Securities Exchange, Kenya." International Journal of Current Aspects in Finance, Banking and Accounting 2, no. 2 (2020): 77–92. http://dx.doi.org/10.35942/ijcfa.v2i2.141.

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Inappropriate credit policies, as well as inadequate, limited institutional capacity by Kenya's financial sector, led to several of the banking institutions collapsing over what was termed as poor management of credit risks which resulted to increased amounts of loans that were not being serviced. The main aim of the research project was to establish the effects of internal controls on credit risk among the banks listed in NSE. The distinctive goals included to find out the influence of internal control, assessing risk ,activities in control and monitoring among banking organizations listed in

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Fan, Shuangshuang, Yanbo Shen, and Shengnan Peng. "Improved ML-Based Technique for Credit Card Scoring in Internet Financial Risk Control." Complexity 2020 (November 4, 2020): 1–14. http://dx.doi.org/10.1155/2020/8706285.

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With the rapid development of China’s Internet finance industry and the continuous growth of transaction amount in recent years, a variety of financial risks have increased, especially credit risk in the financial industry. Also, the credit risk evaluation is usually made by using the application card scoring model, which has the shortcomings of strict data assumption and inability to process complex data. In order to overcome the limitations of the credit card scoring model and evaluate credit risk better, this paper proposes a credit evaluation model based on extreme gradient boosting tree (

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HU SHENGHUA, LIU CHAOGUANG, LIU JING, and SHI CHAOMING. "Credit Risk Management Practices and Financial Performance of Selected Rural Commercial Banks in China." Journal of Business and Management Studies 6, no. 4 (2024): 213–38. http://dx.doi.org/10.32996/jbms.2024.6.4.18.

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The researcher investigated the effect of credit risk management practices on the financial performance of rural banks. The researcher examined the suitable credit risk environment, credit giving procedures, credit administration, monitoring, and control, and evaluated the substantial influence of these practices on the banks' financial performance. Further, the researcher drew conclusions based on the study findings to which rural Banks has a comprehensive written credit risk management policy in place, and the board of directors is responsible for its execution. To ensure financial stability

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Yosy Meliyana Batubara and Anggi Pratama. "Analysis of Internal Control System In Granting Credit In Pt. Bank Mandiri KCP Medan Belawan." Rowter Journal 1, no. 2 (2022): 86–95. http://dx.doi.org/10.33258/rowter.v1i2.680.

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This study aims to analyze the internal control system in providing credit at pt. Bank Mandiri KCP Medan Belawan and what actions were taken by the relevant departments in overcoming fluctuations in total credit, gross NPL, net NPL, and the ratio of core debtors to total credit at PT. Bank Mandiri (Persero) Tbk. 2016-2020 so as to be able to fulfill the entire process of providing credit without compromising the internal control system. This research was conducted using a descriptive method. Data collection techniques were carried out by means of interviews, studying documents and records abou

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Feng, Tongyue, Jiexiang Xu, Zehan Zhou, and Yilang Luo. "How Green Credit Policy Affects Commercial Banks' Credit Risk?" Journal of Cases on Information Technology 26, no. 1 (2023): 1–21. http://dx.doi.org/10.4018/jcit.333858.

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The green credit policy has significantly influenced the growth of green industries in China. This study evaluates its impact on reducing bank credit risk using data from 26 Chinese banks from 2015 to 2021. The authors discovered that the policy's primary effect is linked to banks' financial leverage. Notably, green credit's influence on insolvency risk is most evident in leverage risk. However, despite governmental support for green credit collaboration, prevalent information gaps between banks and green enterprises lead to misjudgments and subsequent credit losses. To address the balance bet

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32

Orlova, E. V. "Mechanism and model of credit portfolio diversification." Issues of Risk Analysis 17, no. 1 (2020): 78–89. http://dx.doi.org/10.32686/1812-5220-2020-17-1-78-89.

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Under conditions of demand for credit resources growing in Russian economy the importance of credit risks assessment and their influence on the credit organizations efficiency is increased. Empirical studies show that credit risks in the banking today are increasing nonlinearly relative to the main characteristics of the credit — the level of credit risk, credit terms, interest rate. Therefore, the formation of the most acceptable from the point of view of risk reducing of the bank’s credit portfolio is a scientifically based and practically important problem. The aim of the work is to justify

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Liu, Mingjin, Ruijie Gao, and Wei Fu. "Analysis of Internet Financial Risk Control Model Based on Machine Learning Algorithms." Journal of Mathematics 2021 (December 20, 2021): 1–10. http://dx.doi.org/10.1155/2021/8541929.

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On the basis of traditional credit risk control, this paper proposes the demand and direction of a new credit risk control strategy based on machine learning and relying on big data. First, on the basis of introducing the basic algorithmic principles of machine learning, we give reasons for choosing machine learning models and build a machine learning-based Internet consumer finance credit risk control strategy model to provide theoretical support for the empirical analysis later. Second, we take the test data of Internet consumer finance S company as the research sample and carry out empirica

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K.C, Fatta Bahadur, and Indra Kumar Kattel. "Comparative Study on Credit Monitoring Practices in Slected Banks of Nepal." Australian Finance & Banking Review 1, no. 1 (2017): 14–25. http://dx.doi.org/10.46281/afbr.v1i1.71.

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Credit monitoring is performed by the banks as post approval activities for existing credit clients to indentify the early warning single of credit risk. So that, the study was accomplish to observe the credit monitoring practice in Nepalese commercial banks. The study was based on a sample of 10 commercial banks, comprising 5 private sector banks and 5 joint venture banks. This paper attempts to determine the awareness of Nepalese bankers about the significance of credit monitoring as risk identification tools. The result of the study indicates that the periodically review of the security doc

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Martini, Tri, Husaini Husaini, and Novita Sari. "CREDIT RISK MANAGEMENT AT BANK BENGKULU MAIN BRANCH DURING COVID-19 PANDEMIC." JURNAL FAIRNESS 10, no. 1 (2021): 29–42. http://dx.doi.org/10.33369/fairness.v10i1.15230.

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This research purpose is to describe credit risk management at Bank Bengkulu during covid-19 pandemic. This research is a descriptive study that focuses on the phenomenon of activity, namely credit risk management activities done by credit analysts, branch vice leaders and branch leaders. Data collection is done through observations, interviews and documentation that are intended to test each other on the information obtained. This research concluded that credit risk management conducted by Bank Bengkulu main branch is credit risk identification, credit risk measurement and assessment, credit

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Xie, Hengxin, and Yufeng Shi. "A Big Data Technique for Internet Financial Risk Control." Mobile Information Systems 2022 (July 15, 2022): 1–9. http://dx.doi.org/10.1155/2022/9549868.

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The danger of losing funds on an investment or business enterprise is referred to as financial risk. Credit risk, liquidity risk, and operational risk are some of the most prevalent and different financial hazards. Financial risk control is an organizational activity that seeks to detect, monitor, and manage exposure to different risks associated with the usage of financial services. Conventional accounting risk control has relatively great timeliness and unpredictability; therefore, traditional accounting risk identification has numerous difficulties, such as high error rate, low precision, l

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Yang, Ming-Hour. "Security Enhanced EMV-Based Mobile Payment Protocol." Scientific World Journal 2014 (2014): 1–19. http://dx.doi.org/10.1155/2014/864571.

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Near field communication has enabled customers to put their credit cards into a smartphone and use the phone for credit card transaction. But EMV contactless payment allows unauthorized readers to access credit cards. Besides, in offline transaction, a merchant’s reader cannot verify whether a card has been revoked. Therefore, we propose an EMV-compatible payment protocol to mitigate the transaction risk. And our modifications to the EMV standard are transparent to merchants and users. We also encrypt the communications between a card and a reader to prevent eavesdropping on sensitive data. Th

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38

Zhuang, Liyu. "Research on Risk Identification and Control in International Financial Services Supply Chains." Modern Economics & Management Forum 6, no. 3 (2025): 457. https://doi.org/10.32629/memf.v6i3.4034.

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With the continuous advancement of economic globalization, the position of international financial service supply chains in the global economy has become increasingly important. This paper focuses on risk identification and control in international financial service supply chains, elaborating in detail on various risk types including credit risk, market risk, and operational risk. Through in-depth analysis of the causes and mechanisms of these risks, a series of targeted risk control strategies are proposed, including building comprehensive credit evaluation systems, strengthening market risk

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Efremova, Yu S. "A new insight into the concept of risk-oriented internal control in lending institutions." Finance and Credit 26, no. 3 (2020): 580–89. http://dx.doi.org/10.24891/fc.26.3.580.

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Subject. This article explores the concepts of Risk-Oriented Internal Control and Risk-Oriented Internal Control System in credit institutions. Objectives. The article aims to improve the concepts of Risk-Oriented Internal Control and Risk-Oriented Internal Control System in credit institutions on the basis of actual-to-date scientific research, applicable international and Russian regulatory documents on internal control, and current economic realities. Methods. For the study, I used the methods of logical analysis and synthesis, grouping, comparison, scientific abstraction, and other methods

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Quoc Thinh, Tran, Ly Hoang Anh, and Nguyen Khanh Tuan. "The effectiveness of the internal control system in Vietnamese credit institutions." Banks and Bank Systems 15, no. 4 (2020): 26–35. http://dx.doi.org/10.21511/bbs.15(4).2020.03.

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In the context of global economic integration, there are many opportunities for promoting economic development, but there are also challenges of complexity and risk in business activities. This always raises many questions that need to be resolved for credit institutions. The internal control system of credit institutions has become increasingly important for the sustainable development of the national financial system. The purpose of the paper is to evaluate the effectiveness of the internal control system in the practical application of Vietnamese credit institutions. Descriptive statistics

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Wang, Yunqi. "Research on the Risk Control Model Development Based on Scorecard." Applied and Computational Engineering 96, no. 1 (2024): 140–48. http://dx.doi.org/10.54254/2755-2721/96/20241452.

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Abstract. Effective risk management is vital for ensuring the stability and profitability of financial institutions. This study focuses on enhancing credit risk assessment by developing a scoring model that quantifies customer risk factors using logistic regression. Key features such as Weight of Evidence (WOE) and Information Value (IV) were employed to transform and select variables. The datasets used in this research, cs-training.csv and cs-test.csv, were preprocessed, including handling missing data and binning continuous variables to improve model interpretability and performance. The log

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Saâda, Moufida Ben, and Yosra Gafsi. "Does disclosure of internal control system of credit risk improve banks’ performance? Evidence from Tunisian listed banks." International Journal of Financial Engineering 06, no. 04 (2019): 1950031. http://dx.doi.org/10.1142/s2424786319500312.

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This paper proposes a measure of disclosure of internal control of credit risk and explores the extent to which this disclosure improves the performance of Tunisian listed banks. We use a self-constructed disclosure index from content analysis. From regressing panel data applied on a sample of 11 listed Tunisian banks during the period from 2007 to 2017, we find that disclosure of Internal Control System of Credit Risk (DICSCR) improves the performance of banks through the implementation of methods and procedures for controlling credit risk. Moreover, the results show that the interactions bet

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Saputra, Risyad Aditya, and Nureni Wijayati. "Analisis Penerapan Manajemen Risiko Kredit pada Perusahaan Start-Up Fintech PT A." Owner 7, no. 4 (2023): 3083–95. http://dx.doi.org/10.33395/owner.v7i4.1729.

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Fintech PT A is one of the pioneers in Indonesia that serves business people with lenders on a digital platform. One of the problems faced by fintech PT A is the increase in non-performing loans. This research is a case study at a fintech startup to analyze the application of credit risk management and provide recommendations for improving credit risk management to improve company performance. The methodology used in this research is descriptive qualitative analysis by collecting data from interviews and documentation studies. Interviews were conducted with the Director of Credit and Collectio

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Akwaa-Sekyi, Ellis Kofi, and Jordi Gené Moreno. "Internal controls and credit risk relationship among banks in Europe." Intangible Capital 13, no. 1 (2017): 25. http://dx.doi.org/10.3926/ic.911.

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Purpose: The study purport to investigate the effectiveness of internal control mechanisms, investigate whether evidence of agency problem is found among banks in Europe and determine how internal controls affect credit risk.Design/methodology/approach: Panel data from 91 banks from 23 European Union countries were studied from 2008-2014. Hausman’s specification test suggest the use of fixed effects estimation technique of GLS. Quantitatively modelled data on 15 variables covering elements of internal controls, objectives of internal controls, agency problem, bank and country specific variable

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Shi, Dongwei. "New mechanism of credit risk control in order agriculture." International Journal of Industrial and Systems Engineering 1, no. 1 (2021): 1. http://dx.doi.org/10.1504/ijise.2021.10043399.

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Aparicio, Felipe, and Didier Cossin. "Control of credit risk collateralization using quasi-variational inequalities." Journal of Computational Finance 4, no. 3 (2001): 5–38. http://dx.doi.org/10.21314/jcf.2001.068.

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Tsao, Yu-Chung. "Coordinating contracts under default risk control-based trade credit." International Journal of Production Economics 212 (June 2019): 168–75. http://dx.doi.org/10.1016/j.ijpe.2019.02.018.

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Shi, Dongwei. "New mechanism of credit risk control in order agriculture." International Journal of Industrial and Systems Engineering 44, no. 4 (2023): 499–514. http://dx.doi.org/10.1504/ijise.2023.132710.

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Bhatt, Tribhuwan Kumar, Naveed Ahmed, Muhammad Babar Iqbal, and Mehfooz Ullah. "Examining the Determinants of Credit Risk Management and Their Relationship with the Performance of Commercial Banks in Nepal." Journal of Risk and Financial Management 16, no. 4 (2023): 235. http://dx.doi.org/10.3390/jrfm16040235.

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In recent years, after the global financial crisis, the issue of credit risk management has received increased attention from international regulators. Credit risk management frameworks are often not sufficiently integrated within the organization, there is no unified approach, and there is no holistic view of all risks. Likewise, where they exist, sound risk management practices have helped institutions to weather financial crises better than others. Therefore, the current study aimed to examine the determinants of credit risk management and their relationship with the performance of commerci

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Kholidah, Himmatul, Maulidiyah Maulidiyah, Hanifiyah Yuliatul Hijriah, and Aqilah Nadiah Md. Sahiq. "STRATEGI DIVERSIFIKASI PORTOFOLIO: ANALISIS DAMPAK RISIKO DAN KEUNTUNGAN PADA BANK KONVENSIONAL DAN SYARIAH MILIK NEGARA DI INDONESIA." e-Journal Ekonomi Bisnis dan Akuntansi 11, no. 2 (2024): 62. http://dx.doi.org/10.19184/ejeba.v11i2.52146.

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This research examines the relationship between credit portfolio diversification and the risk and return of state-owned banks (Bank BUMN) from 2019 to 2023. Using multiple linear regression analysis, it evaluates the impact of the Herfindahl Hirschman Index (HHI) on credit or financing risk (NPL and NPF) and bank returns (ROA, ROE) among state-owned banks listed on the Indonesia Stock Exchange. Control variables include bank size, loan or financing to deposit ratio (LDR and FDR), and equity to total asset ratio (ETA). The results show that credit portfolio diversification reduces credit risk i

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