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نتیجه جستجو - Bank

تعداد مقالات یافته شده: 794
ردیف عنوان نوع
1 Supply chain financial service management system based on block chain IoT data sharing and edge computing
سیستم مدیریت خدمات مالی زنجیره تامین مبتنی بر اشتراک داده های اینترنت اشیا زنجیره بلاکچین و محاسبات لبه ای-2021
The implementation of the ‘‘Internet +” policy advocated by the state has also led to rapid development of Internet finance. In order to promote changes in business development models, as a pioneering work for banks serving the real economy, supply chains are being developed to address small and medium-sized enterprises. The financing of enterprises, the transformation and development needs of banks themselves, and the promotion of logistics technology. Edge computing refers to an open platform that integrates network, data processing, storage and application core functions, and can provide the closest end-of-page service near the object data source to meet real-time, application intelligence, security and privacy Sexual needs. The core of supply chain financing is to establish an optimized plan that can effectively control supply chain financing. By integrating the financing literature of the supply chain, the settlement cost in the supply chain can be solved. Based on theoretical research, this article analyzes supply chain financing and block chain technology. Combined with the current specific situation of block chain in supply chain financing, the management system, cash flow of the supply chain, and risk control system are analyzed. All parties to the supply chain financing optimize the supply chain financing risk control system while reducing business costs and improving corporate efficiency, which greatly reduces the risks of all parties in the supply chain financing. The block chain Iota environment based on shared data and advanced data processing has very powerful theoretical and practical significance for promoting the development of commercial banks and enterprises.
KEYWORDS: Block chain | Internet of things | Edge computing | Supply chain finance | Commercial bank
مقاله انگلیسی
2 Effects of demand uncertainty reduction on the selection of financing approach in a capital-constrained supply chain
اثرات کاهش عدم قطعیت تقاضا در انتخاب رویکرد تأمین مالی در یک زنجیره تأمین محدود سرمایه-2021
This study investigates how demand uncertainty reduction (DUR) affects the decisional dynamics within a supply chain, which comprises a supplier and a capital-constrained retailer, who chooses between bank credit and trade credit financing. A comprehensive scenario analysis suggests the retailer should accept trade credit when DUR is high, trade credit risk premium is moderate, and wholesale price is exogenous and low. However, the retailer should adopt trade credit only when both DUR and production cost are not high, and wholesale price is set endogenously. We further relax the assumption on the bank’s risk attitude and find most results still hold.
Keywords: Capital constraint | Demand uncertainty reduction (DUR) | Game theory | Financing approach | Supply chain finance
مقاله انگلیسی
3 Joint discriminative feature learning for multimodal finger recognition
یادگیری ویژگی های تبعیض آمیز مشترک برای تشخیص انگشتان چند حالته-2021
Recently, finger-based multimodal biometrics, due to its high security and stability, has received considerable attention compared with unimodal biometrics. However, existing multimodal finger feature ex- traction approaches separately extract the features of different modalities, at the same time ignoring correlations among these different modalities. Furthermore, most of the conventional finger feature representation approaches are hand-crafted by design, which require strong prior knowledge. It is therefore very important to explore and develop a suitable feature representation and fusion strategy for mul- timodal biometrics recognition. In this paper, we proposed a joint discriminative feature learning (JDFL) framework for multimodal finger recognition by combining finger vein (FV) and finger knuckle print (FKP) patterns. For the FV and FKP images, we first established the informative dominant direction vector by convoluting a bank of Gabor filters and the original finger image. Then, we developed a simple yet effective feature learning algorithm, which simultaneously maximized the distance of between-class samples and minimized the distance of within-class samples, as well as maximized the correlation among inter- modality samples of the within-class. Finally, we integrated the block-wise histograms of the learned feature maps together for multimodal finger fusion recognition. Experimental results demonstrated that the proposed approach has a better recognition performance than state-of-the-art finger recognition methods.© 2020 Elsevier Ltd. All rights reserved.
Keywords: Multimodal biometrics | Feature fusion | Inter-modality | Joint feature learning
مقاله انگلیسی
4 Joint finance and order decision for supply chain with capital constraint of retailer considering product defect
تصمیم مشترک مالی و سفارش برای زنجیره تامین با محدودیت سرمایه خرده فروش با توجه به نقص محصول-2021
Small retailers usually face difficulties in obtaining bank loans due to inadequate credit history. Traditional commercial loan can be very costly or even unavailable to such retailers. In order to promote the collaboration of the supply chain to gain the mutual interest of all the parties, larger suppliers are generally willing to inter- mediate between retailers and commercial institutions. In this paper, the proper scheme and its efficiency of supplier intermediation in retailer financing are carefully investigated for the case of existing unreliable prod- ucts. By building a Stackelberg game model, we show that the supplier intermediated financing scheme can significantly improve the supply chain partners’ profits. Furthermore, with an elaborate numerical analysis, we demonstrate that the retailer will be motivated to choose the financing strategy only when the loan interest rate is less than a certain threshold. Finally, we explore how the compensation for product defect influences the supply chain partners’ optimal strategies and profits, which show that the proper compensation can realize Pareto improvement of the supply chain.
Keywords: Capital constraints | Supply chain finance | Stackelberg game
مقاله انگلیسی
5 Third-party remanufacturing mode selection for a capital-constrained closed-loop supply chain under financing portfolio
انتخاب حالت بازآفرینی شخص ثالث برای یک زنجیره تامین حلقه بسته با محدودیت سرمایه تحت سبد سرمایه گذاری-2021
Remanufacturing, especially third-party remanufacturing, has become an important option for original equipment manufacturers (OEMs) to effectively balance the economic benefits and environmental impacts of their operations. Further, capital constraint and financing behavior have critical impact on the operations of OEMs, especially small- and medium-sized OEMs. Hence, we aim to explore how the OEM’s capital constraint and financing behavior will affect its selection preference regarding the two sub-modes of third-party remanufacturing: outsourcing and authorization. To this end, we consider a dyadic closed-loop supply chain consisting of a leading third-party remanufacturer (TPR) and a capital-constrained OEM. Taking the case of no capital constraint as benchmark, the choice preference of remanfuacturing modes between outsourcing and authorization is investigated under the case of capital constraint and financing portfolio (including trade credit and bank loan). The findings are as follows. Compared with the benchmark case of no capital constraint, under the financing portfolio, the OEM’s choice preference shifts from outsourcing mode to authorization mode, while the TPR’s choice preference shifts from authorization mode to outsourcing mode. From the perspective of the whole supply chain (SC), the authorization mode would always be conducive to promoting the total profit of the SC when the OEM is capital-unconstrained. By contrast, in the case of financing portfolio, outsourcing mode would be more preferred by the SC except when remanufacturing is much profitable. The above suggests that the TPR and OEM should change their selection preferences when the OEM is severely capital-constrained. Moreover, a contract should be signed between the TPR and OEM to handle their conflicts in selection preference, and who plays an active role in coordinating the SC depends on the profitability of remanufacturing.
Keywords: Closed-loop supply chain | Third-party remanufacturing | Financing portfolio | Capital constraint | Trade credit | Bank loan
مقاله انگلیسی
6 The effects of in-transit inventory financing on the capital-constrained supply chain
اثرات تأمین مالی موجودی در ترانزیت بر زنجیره تأمین محدود شده برای سرمایه-2021
In-transit inventory financing is gaining popularity as an alternative way to access financing. However, compared with other financing means such as trade credit and bank loans, the effects on the supply chain of a third-party logistics provider (TPL) providing in-transit inventory financing are seldom investigated. This study adopts a channel competition model to examine the impact of such financing on the supply chain. Through comparative analysis with conventional financing approaches, we find that the availability of in- transit inventory financing allows retailers to take advantage of a lower financing fee for trade credit, even when the demand for trade credit decreases. In addition, the TPL-provided financing service can lead to a reduction in financing fee for both trade credit and in-transit inventory financing when both the supplier and retailers have financing demand or the TPL is subject to a high degree of risk aversion. Finally, when the TPL has the first-mover advantage in setting its financing fee, the supplier with a financing demand pays a lower financing fee to the TPL due to the decreased demand for in-transit inventory financing. In this case, we find that the low logistics cost, the low unit product price without trade credit and a high financing ratio can make in-transit inventory financing more attractive than trade credit. Our results have important implications for the implementation of in-transit inventory financing in supply chains.
Keywords: Logistics | in-transit inventory financing | supply chain | trade credit | channel competition.
مقاله انگلیسی
7 Impact of financing models and carbon allowance allocation rules in a supply chain
تأثیر مدل های تأمین مالی و قوانین تخصیص کمک کربن در یک زنجیره تأمین-2021
This paper focuses on a capital-constrained supply chain system under a carbon trading environment. Bank Credit Financing and Trade Credit Financing models are designed under the grandfathering and benchmarking allocation rules. Through constructing a Stackelberg game model consisting of a supplier and a capital-constrained manufacturer who is investing in carbon emission reduction, we analyze the optimal decisions and financing selection strategies under different allowance allocation rules. These results show that the manufacturer always invests a higher carbon emission reduction under the benchmarking rule. Meanwhile, he always prefers BCF no matter how the carbon allocation rules change. Whereas, the upstream supplier would like to provide delayed payment under TCF. The government is beneficial to provide the benchmarking rule to the manufacturer when his historical carbon emission is lower, otherwise, the government can implement the grandfathering rule.© 2021 Elsevier Ltd. All rights reserved.
Keywords: Carbon emission reduction investment | Capital-constrained supply chain | Carbon allowance allocation rules | Financing equilibrium
مقاله انگلیسی
8 Determination of the most effective enhancement process for latent fingermarks on Clydesdale Bank and Royal Bank of Scotland £5 and £10 polymer banknotes
تعیین مؤثرترین فرآیند تقویت برای اثر انگشتهای نهفته در بانکهای Clydesdale و رویال بانک اسکاتلند اسکناس های پلیمری 5 پوند و 10 پوند-2020
Fingermarks are commonly found at crime scenes and can be used to link an individual to an object and/ or place. One common evidence type regularly encountered in the course of a criminal investigation is banknotes, and the recovery of fingermarks from these notes can give an indication of who has handled them. This study was carried out in order to determine the most effective sequential processing techniques for recovering latent fingermarks on the new £5 and £10 Clydesdale Bank and Royal Bank of Scotland polymer banknotes. No previous studies have been published on the recovery of latent fingermarks from these types of polymer notes; therefore, this work provides valuable insight into the challenges associated with these notes. Initial experimentation was done in order to determine the best light source to be used in combination with each sequential process tested. From this, infrared (730–800 nm) and ultraviolet (350–380 nm) light were chosen for use in the main study. Black iron oxide powder suspension and black magnetic powder were two of the enhancement treatments tested, both of which are recommended ‘Category A’ processes in the Fingermark Visualisation Manual produced by the Home Office. Superglue fuming – using PolyCyano UV—which is a Category C process was also used, as well as the recently developed infrared fluorescent powder, fpNATURAL12. Three fingermark donors were selected for this study—one good, one medium and one poor—and each donor deposited a 10-mark depletion series onto both sides of each type of note. Superglue fuming (using PolyCyano UV) followed by black magnetic powder was found to be the most effective sequential process for enhancement of fingermarks on all note types tested. Infrared (730–800 nm) light with an 815 nm filter was the most effective light source for enhancing ridge detail for this enhancement sequence. This process is now being implemented for use with these note types in Scotland.
Keywords: Polymer banknotes | PolyCyano UV | Infrared | Black magnetic powder | Powder suspension | fpNATURAL12
مقاله انگلیسی
9 Community health education re-envisioned: The value of partnership with the local food bank
آموزش بهداشت جامعه مجددا پیش بینی شده است : ارزش مشارکت با بانک مواد غذایی محلی-2020
Baccalaureate-prepared nurses must be prepared to fulfill expanding role and skill expectations in community settings to improve population health. The use of non-traditional community clinical sites provides opportunities for students to learn and use a broad skill set such as leadership, communication, research, teaching, project management, and critical thinking. Students explore utilization of epidemiological systems and nursing theories to assist groups and communities to meet their nursing and community health needs. An example of a successful non-traditional partnership was established between our school and the regional food bank. This symbiotic relationship provides two-way benefits: students are afforded some flexibility and creativity in completion of required course assignments, and the food bank gains additional workers to help accomplish their strategic goals. It is a community health clinical resource that is accessible to schools of nursing in every community.
Keywords: Community health | Baccalaureate nursing education | Community partnership | Food bank | Clinical placement
مقاله انگلیسی
10 Cost-aware renewable energy management: Centralized vs. distributed generation
مدیریت انرژی تجدید پذیر آگاه از هزینه: متمرکز در مقابل تولید توزیع شده-2020
We propose optimization strategies for cooperating households equipped with renewable energy assets and storage devices. We consider two system configurations: In the first configuration, households share access to an energy farm, where electricity is generated from renewable sources and stored in battery banks. In the second configuration, households are equipped with their own renewable energy sources and storage devices, and are allowed to share energy through the grid. The developed optimization model takes into account location and time-varying energy prices as well as energy transfer fees. To design our strategies, we first establish performance bounds, and compare the two configurations in terms of achievable savings and usability of renewable energy. Then, we devise real-time energy management algorithms by incorporating forecasting techniques in the proposed framework. Simulation results show that the proposed strategies outperform existing solutions by up to 10%. It is also shown that cooperative strategies outperform greedy approaches by up to 6.8%.
Keywords: Energy storage | Energy allocation | Cooperative strategies | Non-convex optimization
مقاله انگلیسی
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