Academic literature on the topic 'Credit transformation'
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Journal articles on the topic "Credit transformation"
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Westerfeld, Simone, and Beatrix Wullschleger. "Transformation Needed." Credit and Capital Markets – Kredit und Kapital: Volume 53, Issue 2 53, no. 2 (2020): 285–98. http://dx.doi.org/10.3790/ccm.53.2.285.
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Abstract For the sixth time, international academics and practitioners met for a successful credit risk conference. Keynote speeches and academic sessions highlighted current developments and necessary improvements in areas such as fintech, regulation, credit ratings and risk analysis. Digitization also leaves its mark in this area and requires, to varying degrees, a transformation of affected persons as well as applied systems or models. JEL classification: G210, G280
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Li, Yang, Liangrong Song, Yashan Peng, and Jianjia He. "Intelligent Transformation: The Invisible Shield Against Corporate Credit Risk." Systems 13, no. 3 (2025): 185. https://doi.org/10.3390/systems13030185.
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In the context of a progressively intricate and uncertain global economic landscape, the credit risk businesses encounter is intensifying. This study seeks to analyze whether intelligent transformation, a significant trend in current organization development, might serve as a novel method for mitigating credit risk. We employ panel data from 1533 listed enterprises in China’s manufacturing sector to investigate how intelligent transformation influences credit risk empirically. This research indicates that intelligent transformation can mitigate business credit risk. The production, management, and financing effects are the primary mechanisms via which intelligent transformation mitigates credit risk. Heterogeneity analysis indicated that the credit risk reduction effect of the intelligent transformation of traditional manufacturing firms surpassed that of intelligent manufacturing enterprises. In contrast to high-growth firms, low-growth enterprises exhibited more robust credit risk mitigation benefits from intelligent transformation. Subsequent analysis indicated that enhancing supply chain finance can facilitate intelligent transformation and, hence, more effectively mitigate credit risk.
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Zou, Guoxia. "Designing a Credit Bank Model Based on Blockchain Technology." Scientific and Social Research 4, no. 4 (2022): 42–49. http://dx.doi.org/10.26689/ssr.v4i4.3779.
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In the implementation of credit bank, the transformation of learning accomplishments cannot be automated, and the workload of credit achievement management is large. Credits cannot interact freely across different credit banking systems. In order to solve the aforementioned problems, this study proposes the use of alliance chain technology to overcome the technical challenges encountered in the establishment of credit bank. In line with the basic framework of the alliance chain, a credit bank model based on blockchain technology is designed. At the moment, only the model design has been completed; the implementation of the model will take place in the later stage.
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Yu, Chao. "The Impact of Digital Transformation on the Credit Scale of Commercial Banks." Journal of Global Economy, Business and Finance 7, no. 4 (2025): 29–35. https://doi.org/10.53469/jgebf.2025.07(04).05.
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The digital transformation of banks has had a huge impact on the traditional credit system. This study aims to explore the impact of digital transformation on credit business and reveal its mechanism of action on credit scale. This paper takes 180 commercial banks across the country from 2011 to 2021 as the research object, considers the two mechanisms of operating efficiency and risk control ability, and empirically tests the intrinsic connection between bank digital transformation and credit scale based on the three dimensions of digital transformation. The study found that digital transformation has significantly promoted the expansion of credit scale, especially in the promotion effect of management and business digitalization. Mechanism analysis shows that digital transformation can positively affect credit scale by improving bank operating efficiency and strengthening risk control capabilities. Finally, the impact of digital transformation shows significant heterogeneity in bank characteristics. Non-state-owned and small and medium-sized banks have benefited significantly from the expansion of credit scale, while state-owned and large banks have not seen similar results. This study provides a new research perspective for optimizing the credit system and adjusting digital strategies.
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Yu, Chao. "The Impact of Digital Transformation on the Credit Scale of Commercial Banks." Journal of Economics and Public Finance 11, no. 1 (2025): p110. https://doi.org/10.22158/jepf.v11n1p110.
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The digital transformation of banks has had a huge impact on the traditional credit system. This study aims to explore the impact of digital transformation on credit business and reveal its mechanism of action on credit scale. This paper takes 180 commercial banks across the country from 2011 to 2021 as the research object, considers the two mechanisms of operating efficiency and risk control ability, and empirically tests the intrinsic connection between bank digital transformation and credit scale based on the three dimensions of digital transformation. The study found that digital transformation has significantly promoted the expansion of credit scale, especially in the promotion effect of management and business digitalization. Mechanism analysis shows that digital transformation can positively affect credit scale by improving bank operating efficiency and strengthening risk control capabilities. Finally, the impact of digital transformation shows significant heterogeneity in bank characteristics. Non-state-owned and small and medium-sized banks have benefited significantly from the expansion of credit scale, while state-owned and large banks have not seen similar results. This study provides a new research perspective for optimizing the credit system and adjusting digital strategies.
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Song, Zhengge, Jingjing Tang, Haijian Zeng, and Fangying Pang. "How Urban-Level Credit Expansion Affects the Quality of Green Innovation: Evidence from China." Sustainability 16, no. 5 (2024): 1725. http://dx.doi.org/10.3390/su16051725.
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We take the economic stimulus package in China as a quasi-natural experiment to investigate the effect of urban credit expansion on the quality of green innovation at the city level. The analysis takes urban-level and firm-level data from 2004 to 2015 and adopts the PSM-DID approach. Our empirical results suggest that the implementation of credit expansion makes a significant contribution to the improvement of green patent quality. In addition, the mechanism suggests that urban credit expansion policies promote corporate green innovation through channels such as providing credit expansion and a lower cost of financing enterprise transformation and upgrading. This research also suggest that credit expansion promotes economic growth while also incentivising first-tier cities to engage in more green transformations and upgrade to improve the quality of green patents. Our findings also provide an important insight for the implementation of credit expansion policies and the achievement of sustainable development in countries around the world, particularly in developing countries. Finally, this paper argues that China’s credit expansion policy in 2009 has played a role in improving the quality of green innovation and improving green transformation.
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Krinichansky, K. "The Genesis of Bill of Credit: A Functional Aspect." Voprosy Ekonomiki, no. 8 (August 20, 2009): 110–22. http://dx.doi.org/10.32609/0042-8736-2009-8-110-122.
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The paper considers the evolution of the bill of credit institution and changes of its functions. It is emphasized that bill of credit acquires the features of a formal abstract agreement and a turnaround document. It is shown that bill-of-credit-like institutions have a complicated path of development that includes important transformations. The latter facilitate the rise of these institutions functionality, the change in the composition of their functions, adaptation to the needs of economic agents. The transformation of bill of credit has led to lowering transaction costs of market interactions.
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Zhong, Kexin, and Jianmu Ye. "Research on the Impact of Digital Transformation on Corporate Business Credit in the Context of Double Cycle: Based on the Moderating Effect of Outward Investment." Transactions on Social Science, Education and Humanities Research 6 (March 22, 2024): 169–80. http://dx.doi.org/10.62051/j8qcn545.
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This paper empirically examines the impact of digital transformation on business credit, using data from 2013-2022 as a sample. It also studies the impact of outward investment on the relationship between the two in the context of the double cycle. The study demonstrates that the digital transformation of enterprises has a significant positive impact on the availability of business credit. The effect of digital transformation on improving business credit of enterprises is stronger when the outward investment of the business credit market is in the upward stage. The outbound merger and acquisition mode has a more significant moderating effect on digital transformation and business credit. The analysis of heterogeneity reveals that digital transformation has a more significant enhancement effect on the business credit of non-high-tech industries, non-state-owned enterprises, and enterprises with high equity concentration that are at a financing disadvantage. Additionally, it is found that digital transformation can improve information transparency, reduce agency costs, and alleviate financing constraints, thereby enhancing the level of business credit financing for enterprises. The aforementioned findings offer valuable theoretical references and managerial insights for the implementation of digital transformation in enterprises and research related to outward investment in the context of the double-cycle.
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Ma, Jialin. "Green Credit Policy and Digital Transformation of Highly Polluting Enterprises." BCP Business & Management 49 (August 16, 2023): 318–32. http://dx.doi.org/10.54691/bcpbm.v49i.5436.
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This study empirically analyzes the impact of green credit policy implementation on the digital transformation of highly polluting enterprises by constructing a double difference model using observed data of A-share listed companies in Shanghai and Shenzhen in China from 2007-2021, and using the Green Credit Guidelines promulgated in 2012 as a quasi-natural experiment. It is found that: (1) the implementation of green credit policy inhibits the digital transformation of highly polluting enterprises; (2) financing constraints are an important mechanism by which green credit policy inhibits the digital transformation of enterprises; and (3) the inhibitory effect of green credit policy on the digital transformation of enterprises is more significant for state-owned enterprises and relatively weak for large-scale enterprises. The research in this paper helps to systematically and comprehensively understand the impact of green credit on the digital transformation of enterprises, scientifically assess the policy effects of green credit policies in China, and is important for understanding how green financial policies in China affect the transformation and development of highly polluting enterprises, and provides reference for the future green financial policy formulation of government departments.
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Buryakov, Gennady, and Elena Sysoeva. "Monitoring of Russian banking system in terms of digital transformation." E3S Web of Conferences 273 (2021): 08087. http://dx.doi.org/10.1051/e3sconf/202127308087.
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The main characteristics of modern financial and credit institutions are flexibility, ability to adapt to changes in conditions of risk and uncertainty. The process of adaptation may have low efficiency without intensive monitoring of financial and credit institutions’ operation in direction of improving their technological basis. The article is devoted to some aspects of monitoring directions of financial and credit institutions’ transformational development. The social environment acts as a final consumer of banking services and determines the features of the transformation process in the Russian Federation. The research results can be used in generalized form in managerial and financial environment to improve effectiveness of the infrastructure development based on informational and technology platforms. The main contribution of the research is to identify changes in the mechanism of relationship of managed and managerial systems, identification of modern communication tools, reasoning of emergence and development of social and economic directions of financial and credit institutions’ transformational development.
Dissertations / Theses on the topic "Credit transformation"
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Solomon, Christiana. "The Role of Women in Economic Transformation: Market Women in Sierra Leone." University of Bradford, 2005. http://hdl.handle.net/10454/4188.
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yes<br>Various research has concluded that economic life did not die out during the conflict in Sierra Leone, but took on different forms. Different stakeholders at all levels were engaged in economic activities during the war. The specific roles of women in the shadow economy are under-researched with the result that most analysis and policy-options are inadequate. While some of Sierra Leone¿s Market Women strategically participated in war economies to `do well out of war¿, most did so out of the need to survive. With the end of the war, market women have been able to make a successful transformation to peace economies through micro-credit assistance.
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Breitschopf, Barbara. "Rural financial markets under transformation a study on credit supply and demand in Romania's private farm sector /." [S.l. : s.n.], 2003. http://www.bsz-bw.de/cgi-bin/xvms.cgi?SWB10633969.
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Jones, Paul Anthony. "From tackling poverty to achieving financial inclusion : the transformation of the British credit union movement, 1998-2008." Thesis, Liverpool John Moores University, 2009. http://researchonline.ljmu.ac.uk/5948/.
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At the launch of the research report 'Towards sustainable credit union development (Jones 1999) on 8th December 1998, the Chief Registrar of Friendly Societies, Geoffrey Fitchew CMG, argued that not only had the report aroused strong interest in Westminster and Whitehall, but that it would "act as a significant catalyst" for change within the British credit union movement (Fitchew 1999). For despite the rapid expansion from the mid-1980s onwards of the number of credit unions established in low-income communities, by the end of the 1990s the growth in membership in these credit unions had stalled. Even with local government support and the commitment of local volunteers, most community credit unions, particular1y in England and Wales, were unable to attract more than a few hundred members. The result was that only four were recognised as self-sufficient and economically viable according to criteria utilised by the Birmingham Credit Union Development Agency at the time (Jones 1999, pp 24-25). In fact, it would not be inaccurate to say that many credit union activists assumed that community credit unions would always be small local organisations, staffed entirely by volunteers. Indeed, the fact that they only served a few hundred members was often seen as a strength, as it generated a strong sense of community identity and of security in the knowledge that the credit union was manageable at a local level. Yet, for others, the need for change was beginning to surface. They were increasingly concerned that credit unions were reaching only a small proportion of the people on low incomes or in poverty who had little or no choice but to use high-cost alternative financial providers. For them, credit unions were failing to realise the potential they had of making a significant contribution to the economic regeneration of communities. Yet, even for people who recognised the need to change, how credit unions might develop remained unclear and problematic. The importance of the 1999 report' was that it revealed, for the first time, the organisational and economic reality of the credit union movement, and indicated a way forward for the sector. It was for this reason that Fitchew described the report as a catalyst for change; for not only did it question the assumptions that underpinned the beliefs and actions of many credit union activists, it offered a plan of action to stimulate and enable the transformation of the movement Subsequently, the report was recognised by Government and the credit union sector as a whole as a key driver for credit union change and development (HM Treasury 1999, Local Government Association 1999, 2001; ABCUL2000, 2007; Donnelly 2004, McKillop and Wilson 2003; O'ConneIl2005; Goth, McKillop, and Ferguson 2006; CRC 2007; Collard 2007). The report was the original, seminal work which formed a theoretical grounding for all the author's subsequent research and research publications.
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Hrádelová, Jana. "Úverové a sporiteľné družstvá ako prvok moderného českého finančného systému." Master's thesis, Vysoká škola ekonomická v Praze, 2010. http://www.nusl.cz/ntk/nusl-96394.
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Credit unions, original pioneer of self-help financing idea, have become one of the functional components of modern financial sector. During their development, they went through many changes due to the political and economical conditions in Czech Republic. Among others, credit unions have also experienced period of bankruptcies and loss of public trust. However they managed to maintain their unique position as well as the features and for that they deserve our interest. The thesis focuses on the circumstances that affected the credit union sector development. The practical part addresses Fio -- the former credit union. Financial analysis and the process of Fio's transformation from the credit union to the bank is described.
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Moazzem, Khondaker Golam. "Transformation of Economic Relations of the Poor and the Rich in Rural Bangladesh : Focusing on Credit Market in a Potato-Growing Village." 京都大学 (Kyoto University), 2004. http://hdl.handle.net/2433/147915.
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Kyoto University (京都大学)<br>0048<br>新制・課程博士<br>博士(地域研究)<br>甲第10990号<br>地博第7号<br>新制||地||3(附属図書館)<br>UT51-2004-G837<br>京都大学大学院アジア・アフリカ地域研究研究科東南アジア地域研究専攻<br>(主査)助教授 藤田 幸一, 教授 水野 廣祐, 助教授 安藤 和雄<br>学位規則第4条第1項該当
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Mbaye, Khady. "Analyse de la transformation institutionnelle des organisations de microfinance en milieu rural au Sénégal." Thesis, Montpellier, SupAgro, 2010. http://www.theses.fr/2010NSAM0034.
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Cette thèse analyse à travers une étude de cas, le parcours d’un programme de micro-crédit rural mis en place par l’ONG Plan International, transformé en institution formelle et intégré aujourd’hui dans l’un des plus grands réseaux mutualistes du Sénégal : l’UM-PAMECAS (Union des Mutuelles du Partenariat pour la Mobilisation de l'Epargne et du Crédit au Sénégal). Notre objectif était de montrer comment les organisations de microfinance concilient les logiques sociale et financière, à priori en opposition, dans leur mode d’action après une transformation institutionnelle. Compte tenu de la diversité des règles et des modes d’actions observés au sein des organisations étudiées, nous avons mobilisé l’économie des conventions pour construire notre cadre d’analyse. La thèse s’appuie sur une analyse qualitative diachronique des logiques en présence, de façon à comprendre ce qui les soustend, les mécanismes et enjeux de pouvoir qui les font évoluer et se stabiliser. Sur une période s’étalant de 2006 à 2008 nous avons mené des enquêtes auprès de 169 personnes aux statuts divers (salariés, élus, bénéficiaire des crédits, etc.). Ce travail a apporté un éclairage sur le processus de transformation institutionnelle des organisations de microfinance rural et ses enjeux. Nous avons montré que grâce à une méthodologie combinant plusieurs principes relevant de cités différentes mais essentiellement rattachés à une « logique sociale », les organisations de microfinance de premières générations ont permis à des personnes vivant en milieu rural, dont le profil socio-économique n’intéressait pas les banques commerciales, d’accéder aux services financiers. La transformation institutionnelle induite par des facteurs exogènes et endogènes a apporté des bouleversements auxquelles les organisations devaient faire face pour assurer leur pérennité. Notre recherche a montré que pour réussir cette transition et éviter des conflits, des concertations doivent être menées tout au long du processus avec l’ensemble des acteurs afin que tous s’entendent sur le but de la transformation, la façon dont le processus doit être mené et les réformes à mettre en place. En outre, les nouvelles procédures mises en place doivent être en adéquation avec les spécificités locales. Par ailleurs, cette thèse a montré la forte prédominance des tontines. Ces dernières ont fortement évolué et se sont enrichies grâce à l’hybridation de règles marchandes, domestiques et civiques qui en font aujourd’hui, des dispositifs locaux concurrençant fortement la collecte de l’épargne au niveau des structures formelles<br>This thesis analyses, trough a case study, the operation of a rural micro-credit program implemented by Plan international NGO. It has then been changed into a formal institution and integrated into one of the largest network of mutual organizations in Senegal: UMPAMECAS. Our objective was to show how micro-finance organizations reconcile social and financial logics that are primarily contradictory, in their action after institutional changes. Considering the diversity of rules and operation modes observed in the institutions under scrutiny, we have mobilized the convention economy to build the framework of our analysis. The thesis is based on a diachronic quantitative analysis of those logics to understand what underlies them, power mechanism and stakes that make them evolve and stabilize. For a period from 2006 through 2008, we surveyed 169 people from different (wages-earners, elected, credits beneficiaries, etc.). This work has cast light on the transformation process of rural microfinance and its stakes. We have shown that, thanks to a methodology combining several principles from different cities, but essentially related to a “social logic”, the first generation of microfinance institutions have enabled several people living in rural areas, whose economic profile did not appeal to commercial banks, to get access to financial services. The institutional transformations induced by endogenous and exogenous facts have brought changes which should be dealt with by the institutions to ensure their sustainability. Our research has shown that to survive the transition and avoid conflicts, consultations should be conducted all through the process with all the stakeholders for all to agree on the objective of the transition, the way the process should be conducted and the reforms that need to be implemented. Besides, the newly implemented procedures should match local specificities. Furthermore, this thesis has shown the supremacy of the “tontine” systems (rotating saving and credit associations). Those systems have deeply evolved and enriched due to the hybridization of commercial, domestic and civic rules that make them today local organizations that strongly challenge formal structures in the collecting of savings
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Brownie, Barbara Kay. "The behaviours of fluid characterforms in temporal typography." Thesis, University of Hertfordshire, 2012. http://hdl.handle.net/2299/9037.
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This thesis identifies and characterises a particular kind of temporal typography in which verbal forms exhibit behaviours that have been identified by Eduardo Kac as ‘fluid’ , and fluctuate between the verbal and pictorial or abstract. A typology will be constructed which identifies the various behaviours by which fluidity is exhibited, and provides terminology for their analysis, accompanied by analysis of how these behaviours address the relationship between the commonly distinct paradigms of verbal and pictorial signs. The work identifies the distinction between fluidity and other forms of kineticism, and explores the various behaviours exhibited in fluid artefacts. When addressing local kineticism, gaps in existing research are filled by employing terms and observations from other fields. For example, Kac offers the term ‘fluid’ in description of his holographic poetry, which exhibits behaviours much like those presented in some examples of screenbased temporal typography. This thesis proposes that Kac’s term, ‘fluid’, may be adopted in order to differentiate significant local change in verbal forms from the various other kinds of kineticism observable in temporal typography. Fluid behaviours are identified in examples including Martin Lambie Nairn and MPC’s Channel 4 idents, the credit sequences of Kyle Cooper, and the typographic animations of practitioners including Komnios Zervos and Dan Waber. This thesis demonstrates that the existing discourse surrounding temporal typography has been held back by a failure to make distinguish between global kineticism (effecting layout) and local kineticism (effecting individual characters). The distinction between the global and the local is considered vital in studies of perceptual organisation, particularly Gestalt psychology. By providing a coherent typology, and consistent terminology, this study has the potential to positively influence understanding and analysis of fluid characterforms.
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Saint-Macary, Camille [Verfasser], and Manfred [Akademischer Betreuer] Zeller. "Microeconomic impacts of institutional transformation in Vietnam's Northern uplands : empirical studies on social capital, land and credit institutions / Camille Saint-Macary. Betreuer: Manfred Zeller." Hohenheim : Kommunikations-, Informations- und Medienzentrum der Universität Hohenheim, 2013. http://d-nb.info/1042992177/34.
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Mazurová, Pavla. "Proces transformace družstevní záložny na banku v kontextu českého bankovního systému." Master's thesis, Vysoká škola ekonomická v Praze, 2011. http://www.nusl.cz/ntk/nusl-124867.
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The Diploma thesis deals with a comparative analysis of credit institutions operating on the Czech banking market. The first part of the thesis characterizes the banking system of the Czech Republic, the legal status of different institutional types and specifies range of their activities. The second part of the thesis focuses on the positions of the institutions against the supervisor and clients. The last part of the diploma thesis analyses the process of transformation of credit unions to banks, as well as reasons for this transformation and its possible consequences.
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Стрілець, В. Ю. "Забезпечення розвитку малого підприємництва в умовах трансформації національної економіки України". Thesis, Сумський державний університет, 2021. https://essuir.sumdu.edu.ua/handle/123456789/82804.
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У дисертації поглиблено концептуальні засади забезпечення розвитку малого підприємництва в умовах трансформаційної економіки, визначено узгодженість дій держави та бізнесу в цьому напрямі на прикладі України та країн Європейського Союзу. Здійснено кластеризацію регіонів України за рівнем державної підтримки розвитку малого бізнесу та сформульовано регіональні пріоритети державних програм підтримки. Досліджено відповідність діяльності держави міжнародним стандартам підтримки малого бізнесу. Проаналізовано комплаєнс між рівнями податкового тиску та регуляторного втручання держави в діяльність малого бізнесу та їх внеском у розвиток національної економіки. Здійснено прогнозування сценаріїв перетворення існуючих можливостей розвитку малого бізнесу в сильні сторони з урахуванням ризиків трансформації національної економіки, доведено ефективність запропонованих форсайт-таргетів щодо підвищення якості державних реформ підтримки малого бізнесу.<br>The conceptual principles of ensuring the development of micro-entrepreneurship in the conditions of the transformation of the national economy based on the use of bibliometric analysis tools to confirm the validity of the focus on information, logistics, institutional, institutionary, financial and credit support of the micro-entrepreneurship, as well as definitions for each the main risks and ways to level them, new opportunities and ways to implement them, due to the specifics of the transformation period of the economy of Ukraine. The coordination of actions of the state and business in ensuring the development of micro-entrepreneurship is studied on the basis of calculation of integrated in-dices, which assess the contribution of the business sector to the development of micro-entrepreneurship and the role of the state in creating appropriate institutional conditions in the country. The EU countries and Ukraine were clustered according to the relevant indicators, the results of cluster analysis were interfered and a matrix of public-private partnership success in micro-entrepreneurship development was formed, which segments countries according to the level of synergy of state efforts (creating favorable conditions for micro-entrepreneurship development) and business (efficiency of transformation of created opportunities into strengths of the activity). Scientific principles of research of information support of micro-entrepreneurship in Ukraine by assessing the gap between de jure (effectiveness of state-created information services to support micro-entrepreneurship according to international rankings and relevant ministries and agencies) and de facto (level of satisfaction of micro-entrepreneurship from using state information services according to the results of the questionnaire) of the effectiveness of information support of micro-entrepreneurship has been improved. Regional priorities for the formation of state programs to support micro-entrepreneurship, based on the results of clustering of regions of Ukraine by the method of kaverages according to the level of branching of the created by the state infrastructure of supporting the development of micro-entrepreneurship, activity of public authorities and local governments to improve business culture and effectiveness of financial support by the state. An integrated assessment of the state's compliance with international standards of micro-entrepreneurship support based on the matrix of positioning of Ukraine in terms of efficiency and dynamics of legislative initiatives to comply with the principles of the Small Business Act, as well as comparison of domestic and European practice of using grants and guaranteed loans from international institutions. The hypotheses that small entrepreneurs in Ukraine in the early stages of the life cycle of their business have a significantly greater advantage in attracting resources from the budget or state extra-budgetary funds compared to business angels, bank loans, venture capital and crowdfunding are proved. The compliance between the levels of tax pressure and regulatory intervention of the state in the activities of small business (by absolute and relative parameters of the tax burden on micro-entrepreneurship, the quality of tax administration (by time and motivational effect)) and the corresponding contribution of micro-entrepreneurship to the national economy (by taxes paid, manufactured products, value added, number of employees, etc.) has been conducted. It has been substantiated that the main source of imbalance of interests of micro-entrepreneurship and the state in Ukraine is excessive tax pressure on micro-entrepreneurship and burdensome regulatory intervention of the state in the activities of micro-entrepreneurship. Scenarios for the transformation of existing opportunities for the development of micro-entrepreneurship into strengths have been forecast, taking into account the risks of transformation of the national economy. The pessimistic, realistic and two types of optimistic scenario have been created: the first – growth of competitive positions of micro-entrepreneurship of Ukraine in the domestic market, the second – in the European market. This allowed to outline the projection of the country's transition from a group of outsider countries to leading countries among European countries in terms of coordination of actions of the state and business in ensuring the development of micro-entrepreneurship.
Books on the topic "Credit transformation"
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Seibel, Hans Dieter. The making of a market economy: Monetary reform, economic transformation and rural finance in Vietnam. Breitenbach, 1992.
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Tronin, Sergey, Natal'ya Kuchkovskaya, Viktoriya Frolova, Ekaterina Budkina, Mihal Lednev, and Il'ya Pokamestov. Trade finance in the context of digital transformation. INFRA-M Academic Publishing LLC., 2025. https://doi.org/10.12737/2192603.
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The monograph examines in detail modern approaches to trade finance against the background of global changes in the digital economy. The paper analyzes new trade finance tools used in the international and Russian markets, and focuses on the use of financial technologies such as blockchain, artificial intelligence, and Big Data in commercial transactions. Special attention is paid to risk management in trade finance transactions, including factoring and forfeiting, as well as practical aspects of their implementation in the context of digital transformation. The issues of credit control, countering money laundering and asset withdrawal, as well as the prospects for the introduction of innovative solutions in the field of trade finance are considered. It is intended for a wide range of readers and specialists in the financial and credit sphere, as well as for representatives of companies involved in foreign economic activity. Students and postgraduates of economic universities, as well as teaching staff, will find useful information for use in the educational process in the disciplines of financial and credit profile. The publication is also of some interest as a popular science publication.
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Nagel, Rolf W. Die Transformation der Bank für Gemeinwirtschaft (BfG) als morphologisch-typologisches Problem: Die Entstehung und Entwicklung eines Kreditinstituts. Duncker & Humblot, 1992.
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universytet, Kyïvsʹkyĭ miz︠h︡narodnyĭ, ed. The issues of formation, development and functioning of the credit-monetary system (it's transformation from the crisis stimulator into the provoker of world financial crisis). Vyd-vo Kyïvsʹkoho miz︠h︡narodnoho universytetu, 2009.
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L'vova, Ol'ga. Transformation of the bankruptcy management system in Russia. INFRA-M Academic Publishing LLC., 2025. https://doi.org/10.12737/2147387.
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The monograph reveals the content of the bankruptcy management system and its properties; elements and economic functions of the bankruptcy institution. The international experience of bankruptcy reform is summarized; an integrated strategy for the transformation of the bankruptcy management system to increase business sustainability is proposed. Methods are proposed for: analyzing the company by various entities — the owner (management), the creditor, the arbitration manager, and the potential investor; analyzing the debtor's transactions, determining the date of the objective bankruptcy; managing network transformation programs for the rehabilitation of a troubled business. For students and postgraduates, representatives of the academic community, specialists in the field of insolvency (bankruptcy), managers and owners of companies, creditors, arbitration and anti-crisis managers.
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Natocheeva, Natal'ya, Yuriy Rovenskiy, Andrey Garnov, et al. Digital Finance. INFRA-M Academic Publishing LLC., 2024. http://dx.doi.org/10.12737/2091938.
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The textbook is devoted to the theory and practice of digitalization of the financial industry in the Russian Federation and abroad. The essential features of digital finance are considered in the context of the classical theory of finance, money, and risk management; the relationship between economic categories and market processes; new trends in digital financial development. The directions and mechanisms of digital transformation of technologies, services, client programs, business models of financial institutions in various segments of the financial market and the public administration sector are disclosed. The general and specific risks of participants in the digital financial market have been identified. The key provisions of Russian and international legislation in the field of digital finance, directions and tools of regulatory and supervisory practices of the Bank of Russia and international financial organizations on digitalization of the financial market are outlined. It includes a methodological package for students — control questions, tests and tasks for independent work, as well as a glossary and lists of recommended and used literature. Meets the requirements of the federal state educational standards of higher education of the latest generation. For undergraduate and graduate students studying in the fields of Economics, Finance and Credit, World Economy, as well as graduate students, university professors.
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Mudrova, Svetlana, Naylya Amirova, Lyudmila Sargina, et al. Closed-loop economics: experience, problems, solutions. INFRA-M Academic Publishing LLC., 2025. https://doi.org/10.12737/2168618.
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A closed-loop economy involves a new approach to the production of goods and the culture of their consumption. It reduces the environmental impact on the environment, supports and restores natural ecosystems by returning waste to economic circulation. The promotion of a closed-loop economy is primarily facilitated by government institutions with tools to create favorable tax, legislative, institutional, financial and credit environments for the development of new business models, to support initiatives in production and management in accordance with the principles of circular economy. The monograph presents images of a circular future and analyzes the content of a closed-loop economy in the context of socio-ecological and economic relations with an emphasis on the expansion of transformative innovations. It can be useful to a wide range of readers interested in the problems of circular economy and sustainable development, as well as teachers, graduate students and students of economics.
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Fuller, G. Great Debt Transformation: Households, Financialization, and Policy Responses. Palgrave Macmillan, 2016.
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Fuller, G. The Great Debt Transformation: Households, Financialization, and Policy Responses. Palgrave Macmillan, 2016.
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Simon, Gleeson. Part II Commercial Banking, 7 Credit Risk. Oxford University Press, 2018. http://dx.doi.org/10.1093/law/9780198793410.003.0007.
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This chapter discusses the concept of credit risk. Of all the risks that banks are exposed to, credit risk is the most important and the most intuitively obvious. It is important to remember that credit means more than simply loans. At the heart of financial transactions are credit exposures. For an economist, the function of a bank is maturity transformation and intertemporal transfers of resources. But in a world where debts were always repaid, these functions would be as mechanical as the transmission of water or electricity. It is the unpredictability of credit that differentiates banking from other businesses. The remainder of the chapter covers risk weighting of assets, valuation of exposures, and provisioning and expected loss.
Book chapters on the topic "Credit transformation"
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Elouerkhaoui, Youssef. "The Homogeneous Transformation." In Credit Correlation. Springer International Publishing, 2017. http://dx.doi.org/10.1007/978-3-319-60973-7_10.
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Finlay, Steven. "Data Transformation (Pre-processing)." In Credit Scoring, Response Modeling, and Insurance Rating. Palgrave Macmillan UK, 2012. http://dx.doi.org/10.1057/9781137031693_6.
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Datta, Srimoyee, and Tarak Nath Sahu. "Credit Utilization Pattern of the Borrowers." In Financial Inclusion and Livelihood Transformation. Springer Nature Singapore, 2023. http://dx.doi.org/10.1007/978-981-99-4141-4_4.
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Jones, Paul A. "British Credit Unions: Transformation and Challenge." In Contributions to Economics. Springer International Publishing, 2016. http://dx.doi.org/10.1007/978-3-319-28784-3_12.
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Zheng, Mingyu, Yonghui Chen, and Qiao-Chu He. "Trade Credit Pricing with Retailer’s Capital Heterogeneity." In City, Society, and Digital Transformation. Springer International Publishing, 2022. http://dx.doi.org/10.1007/978-3-031-15644-1_7.
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Mertan, Tayfun. "The making of the transformation of Turkey between 1980 and 1983." In Giving Credit to Dictatorship. Routledge, 2024. https://doi.org/10.4324/9781032656199-11.
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Dhakal, Nara Hari. "Agricultural Credit and Insurance in Nepal: Coverage, Issues, and Opportunities." In Agricultural Transformation in Nepal. Springer Singapore, 2019. http://dx.doi.org/10.1007/978-981-32-9648-0_18.
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Ashraf, Mohamed, Mohamed A. Abourezka, and Fahima A. Maghraby. "A Comparative Analysis of Credit Card Fraud Detection Using Machine Learning and Deep Learning Techniques." In Digital Transformation Technology. Springer Singapore, 2021. http://dx.doi.org/10.1007/978-981-16-2275-5_16.
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Thiele, Markus, and Harro Dittmar. "Internal Credit Risk Models with Machine Learning." In The Impact of Digital Transformation and FinTech on the Finance Professional. Springer International Publishing, 2019. http://dx.doi.org/10.1007/978-3-030-23719-6_10.
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Nathanel, Ndaghu Ndonkeu, Udeme Henrietta Ukpe, Djomo Choumbou Raoul Fani, and Esuh Nnoko Divine. "Determinants of Credit Accessibility and Performance of Smallholder Rice Farmers: A Case of the West Region of Cameroon." In Agricultural Transformation in Africa. Springer International Publishing, 2023. http://dx.doi.org/10.1007/978-3-031-19527-3_6.
Full textConference papers on the topic "Credit transformation"
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Wu, Ruibo. "Dynamic Credit Risk Assessment Based on Multi-Task Deep Learning and Bayesian Optimization." In 2024 3rd International Conference on Smart City Challenges & Outcomes for Urban Transformation (SCOUT). IEEE, 2024. https://doi.org/10.1109/scout64349.2024.00040.
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Thakkar, Krunal Bharatbhai, and Hemish Prakashchandra Kapadia. "The Roadmap to Digital Transformation in Banking: Advancing Credit Card Fraud Detection with Hybrid Deep Learning Model." In 2025 2nd International Conference on Trends in Engineering Systems and Technologies (ICTEST). IEEE, 2025. https://doi.org/10.1109/ictest64710.2025.11042822.
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He, Junjie, and Juntao Yang. "Transformative Methods to Fire Credit Rating: Integrating Data Mining Methods and XGBoost." In 2025 7th International Congress on Human-Computer Interaction, Optimization and Robotic Applications (ICHORA). IEEE, 2025. https://doi.org/10.1109/ichora65333.2025.11016975.
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Vareško, Andrea. "Developing the Credit Score Model Through the Common Use of Financial and Qualitative Indicators in the Evaluation of Creditworthiness." In Organizations at Innovation and Digital Transformation Roundabout. University of Maribor Press, 2020. http://dx.doi.org/10.18690/978-961-286-388-3.70.
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The developed credit score model represents an innovative and advanced way in the credit rating process that uses both financial and qualitative indicators in estimating creditworthiness. in order to develop the model a research has been carried out in the croatian banking sector and among the consulting companies involved in the process of creditworthiness. the model has been developed based on the findings and conclusions from the conducted research and contributes in the economic science, specifically in the field of innovation and competitiveness. The balance sheet data and the indicators originating from the financial statements can be used to determine how a company was performing in the past and how successful it was. But this information tells us very little about the quality of management, market share, company plans, production process, organizational structure, etc. and nothing about the directions in which the company is developing. This means that during the process of evaluation of creditworthiness a risk analyst needs much more information than the annual financial statements can provide. That is why qualitative factors must be also considered when estimating creditworthiness. The aim of this paper is to research the importance of the common use of the proposed qualitative and financial indicators in the process of estimating creditworthiness, and, in addition, to propose a model based on the resulting research findings. In the proposed credit score model, the final credit rating is determined by the synthesis and common scoring of financial and qualitative indicators, which ultimately reflects internal and external factors that directly affect the operations of any business entity. The proposed model will certainly allow a simpler and better rating score of small, medium and large companies, and with its simplicity it will contribute to the analysis of each business entity. In the model itself, the optimal choice of financial and qualitative indicators and their weighted values were used to make a more reliable credit rating score considering the internal and external factors affecting the business. Determining credit rating by applying financial and qualitative indicators provides comprehensive and credible information about the business entity and its business risks and thus allows the making of punctual and correct business decisions, i.e. wrong business decisions are prevented.
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Yapar Saçık, Sinem, and Ebubekir Karaçayır. "Relationship between Current Account Deficit and Credit Volume after the Global Financial Crisis: The Case of Turkey." In International Conference on Eurasian Economies. Eurasian Economists Association, 2014. http://dx.doi.org/10.36880/c05.01091.
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An important macroeconomic variable, current account deficit as percentage of gross domestic product is considered as an indicator of an economic crisis when it is above 5%. In the economies where current account deficit is a problem, source of current account deficit should be determined for the solution. In the case of an interaction between credit expansion and current account, policies using a credit mechanism can be applied to stabilize the current account balance. In order to determine the relationship between current account deficit and credit volume before and after the financial crisis, visual graphics based on data will be utilized. This paper analysis the cointegration, long and short run causality relationship between current account deficit and consumer credits for Turkey over the period 2004Q3-2013Q3. The results of Johansen cointegration test indicate a cointegration between these variables. The empirical results show that there is bidirectional long and short run casuality relationship among variables. After the financial crisis of 2008, the increase in credit expansion increased domestic consumption depending on imports causing deterioration in current account deficit. There are difficulties of low finance qualities of this current account deficit and the realization of structural transformation in favor of exports in short term. Targeting a continuing economic growth increases energy dependency and import of investment goods, so puts credit mechanism policies forward to fight with current account deficit. Limiting the credit volume more than necessary to reduce current account deficit can worsen the various macroeconomic variables.
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Fathia, Laili, Hasan Hariri, and Sowiyah. "Child-friendly school: Application of the curriculum credit." In THE 3RD INTERNATIONAL CONFERENCE ON PROGRESSIVE EDUCATION (ICOPE) 2021: Harmonizing Competencies in Education Transformation towards Society 5.0. AIP Publishing, 2023. http://dx.doi.org/10.1063/5.0142338.
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Yusupova, O., and V. Vinichenko. "APPLICATION OF ARTIFICIAL INTELLIGENCE IN THE ACTIVITIES OF BANKS." In Digital transformation in the economy of the transport complex. INFRA-M Academic Publishing LLC., 2025. https://doi.org/10.12737/conferencearticle_678931075647d7.34479950.
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During the economic crisis, competition intensifies in the banking market. It is due to the fact that a decrease in the level of income of the population leads to a decrease in the quality of borrowers, both potential and existing. Banks are not interested in deteriorating the quality categories of loans in their loan portfolio and are forced to refuse borrowers with a high level of maximum debt load. To improve the decision-making process on credit products and the processes of monitoring the quality of existing loans, artificial intelligence technologies have been widely used.
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Ablaev, E. "Industrial structure of short-term lending in 1928–1935: a quantitative analysis of archival materials of the State Bank of the USSR." In Historical research in the context of data science: Information resources, analytical methods and digital technologies. LLC MAKS Press, 2020. http://dx.doi.org/10.29003/m1782.978-5-317-06529-4/6-13.
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The study deals with the transformation of the industrial lending practices in the USSR during the credit reform of the 1930s. The reform and its impact are analyzed using a set of archival and published sources. At the beginning of the reform, due to the imprecisely defined assets to be credited, there was a significant increase in short-term loans, which entailed additional money issue. This drawback caused new lending regulations. By continuous adapting the rules to the current situation, the State Bank was regulating the access of industries to borrowed resources.
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Ablaev, E. "Industrial structure of short-term lending in 1928–1935: a quantitative analysis of archival materials of the State Bank of the USSR." In Historical research in the context of data science: Information resources, analytical methods and digital technologies. LLC MAKS Press, 2020. http://dx.doi.org/10.29003/m1782.978-5-317-06529-4/6-13.
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The study deals with the transformation of the industrial lending practices in the USSR during the credit reform of the 1930s. The reform and its impact are analyzed using a set of archival and published sources. At the beginning of the reform, due to the imprecisely defined assets to be credited, there was a significant increase in short-term loans, which entailed additional money issue. This drawback caused new lending regulations. By continuous adapting the rules to the current situation, the State Bank was regulating the access of industries to borrowed resources.
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Akinwande, Mayowa, Alexander Lopez, Tobi Yusuf, et al. "Data Analysis on Credit Card Debt: Rate of Consumption and Impact on Individuals and the US Economy." In 5th International Conference on Artificial Intelligence and Big Data. Academy & Industry Research Collaboration Center, 2024. http://dx.doi.org/10.5121/csit.2024.140401.
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This paper provides a comprehensive examination of the evolution of credit cards in the United States, tracing their historical development, causes, consequences, and impact on both individuals and the economy. It delves into the transformation of credit cards from specialized merchant cards to ubiquitous financial tools, driven by legal changes like the Marquette decision. Credit card debt has emerged as a significant financial challenge for many Americans due to economic factors, consumerism, high healthcare costs, and financial illiteracy. The consequences of this debt on individuals are extensive, affecting their financial well-being, credit scores, savings, and even their physical and mental health. On a larger scale, credit cards stimulate consumer spending, drive e-commerce growth, and generate revenue for financial institutions, but they can also contribute to economic instability if not managed responsibly. The paper emphasizes various strategies to prevent and manage credit card debt, including financial education, budgeting, responsible credit card uses, and professional counselling. Empirical studies support the relationship between credit card debt and factors such as financial literacy and consumer behavior. Regression analysis reveals that personal consumption and GDP positively impacts credit card debt indicating that responsible management is essential. The paper offers comprehensive recommendations for addressing credit card debt challenges and maximizing the benefits of credit card usage, encompassing financial education, policy reforms, and public awareness campaigns. These recommendations aim to transform credit cards into tools that empower individuals financially and contribute to economic stability, rather than sources of financial stress.
Reports on the topic "Credit transformation"
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Upadhyay, S. K., and S. B. Khadka. The Role of Agricultural Credit in the Transformation Of The Hills; The Nepalese Experience. International Centre for Integrated Mountain Development (ICIMOD), 1990. http://dx.doi.org/10.53055/icimod.78.
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Rivera, Mildred, Romina Nicaretta, Estefhania Moncada, et al. Innovation in the Caribbean: Six Stories of Transformation for Sustainable Development. Inter-American Development Bank, 2024. http://dx.doi.org/10.18235/0013029.
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This publication showcases the results and impact of innovative projects supported by the Inter-American Development Bank driving resilience, social progress, and sustainability in six Caribbean countries. Learn how the region is promoting sustainable development by enhancing access to credit in Barbados, upgrading water supply and sanitation systems in The Bahamas, strengthening citizen security in Guyana, empowering communities to adapt to climate change in Jamaica, rehabilitating the energy sector in Suriname, and improving health services in Trinidad and Tobago.
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Hale, Thomas, Andreas Klasen, Norman Ebner, Bianca Krämer, and Anastasia Kantzelis. Towards Net Zero export credit: current approaches and next steps. Blavatnik School of Government, 2021. http://dx.doi.org/10.35489/bsg-wp_2021/042.
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As the world economy rapidly decarbonises to meet global climate goals, the export credit sector must keep pace. Countries representing over two-thirds of global GDP have now set net zero targets, as have hundreds of private financial institutions. Public and private initiatives are now working to develop new standards and methodologies for shifting investment portfolios to decarbonisation pathways based on science. However, export credit agencies (ECAs) are only at the beginning stages of this seismic transformation. On the one hand, the net zero transition creates risks to existing business models and clients for the many ECAs, while on the other, it creates a significant opportunity for ECAs to refocus their support to help countries and trade partners meet their climate targets. ECAs can best take advantage of this transition, and minimise its risks, by setting net zero targets and adopting credible plans to decarbonise their portfolios. Collaboration across the sector can be a powerful tool for advancing this goal.
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Anderson, Erika, and Dominic Chalmers. The Shifting Locus of Authoritative Advice for Gen-Z and Their Financial Lives: An Opportunity for the Credit Union Sector? University of Glasgow and University of Strathclyde, 2025. https://doi.org/10.36399/gla.pubs.349744.
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Gen Z are reshaping the way financial advice is sought and acted upon. Moving away from traditional sources like family, banks, and financial advisors, younger generations are turning to social media platforms like TikTok and Instagram, where financial influencers —“finfluencers”— offer accessible, though often unregulated, advice. While this shift has democratized financial education, it has also introduced significant risks to advice-seekers, including misinformation, high-risk investment recommendations, and a lack of regulatory oversight. For Credit Unions, this transformation presents challenges and opportunities. Younger audiences often see traditional financial institutions such as banks as outdated, inaccessible, and misaligned with their values. However, Credit Unions, with their ethical foundations and community focus, are well- positioned to fill the trust gap created by the shortcomings of both traditional institutions and finfluencers. By engaging with young people where they seek advice – on social media – Credit Unions can offer relatable, trustworthy, and sound financial guidance that aligns with their mission to promote financial literacy and inclusivity. This white paper explores ways in which Credit Unions can respond to this shift in advice-seeking behaviour to revitalise and grow their memberships. Discussions with UK-based Credit Unions reveal cautious optimism about engaging in the finfluencer space, with several recognizing the potential to use social media platforms to amplify messages of fairness, community, and responsible financial management. However, barriers such as limited digital innovation capacity, regulatory concerns, and a general lack of awareness about the finfluencer phenomenon remain. To address these challenges, we propose a coordinated approach for Credit Unions to build capacity and credibility in the digital advice ecosystem. This includes developing sectoral guidelines for engaging responsibly with finfluencers, pooling resources to experiment with digital campaigns, creating a practical playbook for social media engagement, and modernizing product offerings to align with Gen Z’s preferences for fast, convenient, and values-driven services. By strategically entering the online advice ecosystem, Credit Unions can not only mitigate the risks of misinformation but also position themselves as a trusted alternative to both traditional institutions and unregulated finfluencers. This approach offers a pathway for Credit Unions to expand their membership, strengthen their community impact, and secure their relevance in an increasingly digital world.
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Nimesh, Vikas, Bhaskar Natarjan, Saddam Hussain, and K. N. Hemanth Kumar. CATALYSING THE MARKET TRANSFORMATION OF ELECTRIC 2-WHEELER INSIGHTS FROM CONSUMERS AND STAKEHOLDERS. Alliance for an Energy Efficient Economy (AEEE), 2023. http://dx.doi.org/10.62576/aeee2w.
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Electric two-wheelers (E2Ws) are becoming increasingly popular as an eco-friendly mode of transport. They provide a convenient and efficient option for short-distance travel, particularly in urban areas. However, the widespread adoption of E2Ws in India still faces several challenges. In order to address these issues, the Alliance for an Energy Efficient Economy (AEEE) and International Copper Association India (ICA India) have teamed up to identify the key barriers hindering the adoption of electric two-wheelers in the market. The joint research project aims to identify effective pathways for a market transformation for E2Ws in India and promote the widespread adoption of E2Ws as a sustainable and efficient mode of transport. The goal of the study is to facilitate the increased adoption of E2Ws in India by examining the perspectives of various stakeholders, including consumers, fleet operators, financial institutions, dealerships, and service centers. The study was conducted in three zones - North Zone (Delhi, Lucknow), West Zone (Mumbai, Jaipur, Ahmedabad, Rajkot), and South Zone (Bangalore, Coimbatore, Hyderabad, Chennai). The study collected 1159 responses from both E2W users and internal combustion engine (ICE) users across India, as well as E2W dealers, in order to gain a more comprehensive understanding of the E2W market across the country. The survey results revealed key insights about the prevalence of E2W users, their awareness of ICE options, and their willingness to adopt more eco-friendly modes of transport. The report covers key aspects of E2Ws, including purchase, charging, performance, aftersales, safety, retrofitting, etc. Chapter 1 introduces the E2W ecosystem and sets the background and need for the study. Chapter 2 details the scope and methodology adopted for the research. Various barriers and motivating factors and their role in attracting or deterring consumers from or towards EV adoption, like charging practices, usage behaviour, ownership cost, purchase experience, etc., were delved into. The chapter also details the respondents’ profiles and the surveying techniques incorporated for the study, i.e., face-toface interviews with E2W users and In-person qualitative discussions with the E2W dealers. It was found that the younger generations had an equal propensity towards both ICE and E2Ws. Also, the average income of EV owners was found to be higher than the average income of ICE two-wheelers. Chapter 3 discusses the findings and key insights from the consumer survey. It examines the key perceptions of customers regarding E2W and ICE vehicles and their purchase and usage practices. The chapter discusses important current and future triggers and barriers to EV adoption. Access to charging stations, Safety concerns, high upfront costs, long charging times, etc., were found to be the major deterrents towards EV adoption. Chapter 4 presents the key insights from the dealer consultation and discusses the various obstacles, including warranty and battery replacement costs, low margins, the lack of supplier credit facilities, battery backup, the high price of E2Ws, and low speed. These obstacles impede their ability to sell electric vehicles and compete with other types of vehicle dealers. Nonetheless, as the EV market grows and develops, manufacturers and dealers will be able to overcome these obstacles and establish a more sustainable and competitive EV industry. Chapter 4 presents the key insights from the dealer consultation and discusses the various obstacles dealers face, including warranty and battery replacement costs, low margins, the lack of supplier credit facilities, battery backup, the high price of E2Ws, and low speed. These obstacles impede their ability to sell electric vehicles and compete with other types of vehicle dealers. Nonetheless, as the EV market grows and develops, manufacturers and dealers will be able to overcome these obstacles and establish a more sustainable and competitive EV industry. Chapter 5 provides recommendations to address the different barriers to E2W adoption in India, like high upfront costs of E2W, charging stations, safety issues, battery issues, etc. The whitepaper provides recommendations to address the challenges and barriers hindering the adoption of E2Ws in India. These recommendations cover various topics such as consumer perceptions, demand incentives, and product-related issues like servicing, safety, and performance. To encourage ix the wider adoption of E2Ws, the whitepaper proposes several measures, including improving the availability of charging infrastructure, regular maintenance of charging points, and investment support to charging and swapping players. Additionally, partnering with financial institutions to offer affordable loans is recommended to make E2Ws more accessible to consumers. These measures are critical to overcoming the challenges faced by E2W users and promoting the adoption of ecofriendly transport options in India. To achieve the target of increasing energy efficiency and reducing carbon emissions by 33-35% by 2030, as set by the Indian government, it is crucial for the various stakeholders in the electric vehicle ecosystem to implement the strategies outlined in the whitepaper. The aim is to accelerate the adoption of E2Ws and support the government in achieving its goals.
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Mankar, Aditya, and Forouzan Golshani. The Transportation Sector, Cap-and-Trade and Blockchain: A Carbon Credit Trading Platform. Mineta Transportation Institute, 2024. http://dx.doi.org/10.31979/mti.2024.2329.
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This study offers a solution that facilitates direct trading of carbon credits with no intermediaries by using blockchain technology aligned with the cap-and-trade system. With this solution, along with other major transformations in the industry, the transportation sector can take more ownership of emissions and mitigate the impact of its role as the largest contributor of greenhouse gasses. The solution sits at the confluence of the Cap-and-Trade initiative, carbon credit trading, and blockchain technology. Although the concept of blockchains has been the subject of significant curiosity, scrutiny, boosterism, investment, criticism, it most importantly is at the core of useful, rapidly growing innovations. The technology is critical because it removes the need for costly intermediaries for the successful functioning of complex systems. More specifically, the technology has demonstrated that value and asset trading can take place securely and meticulously in the absence of middlemen such as financial intermediaries and other brokers. This study shows how a democratized trading system for carbon credit trade can be constructed in which the parties conduct trades directly, with no third-party involvement, speeding up the process and potentially making it more secure and efficient. This intersection of cap-and-trade and blockchain may increase global participation in peer-to-peer exchange, which will help increase universal participation in carbon offset credits trading and allow the transportation sector to contribute actively to both short- and long-term climate change solutions.
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Adriano, Karlo Fermin, and Lourdes Adriano. Is Agriculture and Fisheries Ascending the Value-Added Ladder? The State of Agricultural Value Chains in the Philippines. Philippine Institute for Development Studies, 2022. https://doi.org/10.62986/dp2022.18.
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The Agriculture and Fisheries Modernization Act (AFMA) was passed and implemented a quarter of a century ago. AFMA comprised a suite of policy, institutional, and investment measures that envisaged the transformation of the agriculture and fisheries sectors, from a resource-based to a technology-based industry. One aspect of the modernization process that the AFMA is aiming at and which is the focus of this study is the development of agro-based value chains that move up the value-added ladder ascendancy. This is done by examining AFMA and the agri-food value chain development and ascendancy in the value-added ladder from the lens of the agri-food systems approach and theory of change. In addition to this, value chain case studies of selected agricultural commodities were conducted. Unfortunately, the impact of AFMA on the modernization of the agri-food value chain systems more than twenty years after its enactment is mute. There are several factors why AFMA’s role to the ascendancy in the value-added ladder of the agri-food is limited: its narrow view of value-added ladder ascendancy, its focus was mainly on just one segment of agro-based value chains, its rice self-sufficiency position impeded the growth of other agro-based value chains, and its beneficiaries were mainly for small-scale farmers and fisherfolk. There are five worthwhile areas of AFMA intervention that need expanding for enhanced value-added ladder ascendancy. These are the market-determined credit facilities and the food safety and quality standards. The first expands the credit outreach to the often-disadvantaged rural producers while serving as a vehicle or catalyst for strengthening the links between primary agriculture production, and the backward and forward links to the final consumer markets. The second deals with developing competitive agri-based commodities and products that are consumer safe and are of an internationally acceptable quality which can facilitate the modernization of traditional retail markets. The third is the promotion of clustering of small farmers into formal groups which can facilitate the efficient coordination, transfer, and adoption of government interventions or programs. The fourth is the inclusion of ICT market-related advancements given the new normal. Finally, the fifth entails the transition of AFMA from a supply- or commodity-driven approach to the adoption of a holistic food system framework. Finally, there is equally a need for policy measures that go beyond the present AFMA jurisdiction. Germane reforms are on the: Comprehensive Agrarian Reform and the need to phase it out and ensure a freer land market, more novel public-private partnerships that bring in the largely numerous micro and small and medium enterprises that dominate the midstream and downstream segments of the value chains, the need to overhaul the DA’s "banner programs" away from rice to diversified farming systems and value chains, and the need to move DA’s budget away from the provision of private goods to public goods.
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Acharya, Viral V., Nicola Cetorelli, and Bruce Tuckman. Where Do Banks End and NBFIs Begin? Federal Reserve Bank of New York, 2024. http://dx.doi.org/10.59576/sr.1119.
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In recent years, assets of nonbank financial intermediaries (NBFIs) have grown significantly relative to those of banks. These two sectors are commonly viewed either as operating in parallel, performing different activities, or as substitutes, performing substantially similar activities, with banks inside and NBFIs outside the perimeter of banking regulation. We argue instead that NBFI and bank businesses and risks are so interwoven that they are better described as having transformed over time, rather than as having migrated from banks to NBFIs. These transformations are at least in part a response to regulation and are such that banks remain special as both routine and emergency liquidity providers to NBFIs. We support this perspective as follows: (i) the new and enhanced financial accounts data for the United States (“From Whom to Whom”) show that banks and NBFIs finance each other, with NBFIs especially dependent on banks; (ii) case studies and regulatory data show that banks remain exposed to credit and funding risks, which at first glance seem to have moved to NBFIs, and also to contingent liquidity risk from the provision of credit lines to NBFIs; and (iii) empirical work confirms bank-NBFI linkages through the correlation of their abnormal equity returns and market-based measures of systemic risk. We discuss some potential regulatory responses, including treating the two sectors holistically, recognizing the implications for risk propagation and amplification, and exploring new ways to internalize the costs of systemic risk.
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Reeb, Tyler D., and Stacey Park. Trade and Transportation Talent Pipeline Blueprints: Building UniversityIndustry Talent Pipelines in Colleges of Continuing and Professional Education. Mineta Transportation Institute, 2023. http://dx.doi.org/10.31979/mti.2023.2144.
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The rapid adoption of transformational technologies along with other economic and cultural shifts, have created a gap between workers and the skills and knowledge necessary for in-demand occupations. Trade and Transportation Talent Pipeline Blueprints: Building University-Industry Talent Pipelines in Colleges of Continuing and Professional Education identifies the steps required to build talent pipelines that target in-demand trade and transportation occupations requiring specific degrees, certificates, and non-credit professional development. This report provides a literature review and labor market data analysis. It also includes documentation of methodology in planning a pilot program for Colleges of Professional and Continuing Education housed within each of the 23 California State University campuses. The recommendations guide the colleges to develop talent pipelines to empower trade and transportation employers to play a more central role in addressing skills gaps and other critical workforce development needs in working partnerships with postsecondary education and training providers. The report concludes with a recommended university-industry Intelligent Transportation Systems (ITS) Talent Pipeline pilot program.
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Calvert, Scout. Crest or Trough? How Research Libraries Used Emerging Technologies to Survive the Pandemic, So Far. Edited by Mary Lee Kennedy and Clifford Lynch. Association of Research Libraries, Coalition for Networked Information, and EDUCAUSE, 2021. http://dx.doi.org/10.29242/report.emergingtech2021.pandemic.
Full textAbstract:
The final deliverable of the ARL, CNI, and EDUCAUSE joint initiative to advance research libraries’ impact in a world shaped by emerging technologies, this report returns to 11 participants in interviews conducted for the initiative, to find out how their perspectives have changed in the year and a half since the initiative began, given the disruption to research and learning caused by the COVID-19 pandemic. In these new conversations, the interviewees retain optimism for the same transformative technologies discussed in earlier interviews, but they observe that the intense activity of the pandemic months has been largely related to adoption and refinement of existing technologies rather than innovating truly novel technological solutions to research and learning challenges.