با سلام خدمت کاربران در صورتی که با خطای سیستم پرداخت بانکی مواجه شدید از طریق کارت به کارت (6037997535328901 بانک ملی ناصر خنجری ) مقاله خود را دریافت کنید (تا مشکل رفع گردد).
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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 |
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Credit expansion, bank liberalization, and structural change in bank asset accounts
گسترش اعتبار، آزاد سازی بانک، و تغییر ساختاری در حسابهای دارایی بانک-2021 This paper studies the links among credit supply expansion, commercial bank asset ac-
count structures, and the housing boom preceding the 20 07–20 09 financial crisis. We
propose a real business cycle model with a housing market and financial intermediaries
(banks) subject to leverage constraints. In our model, banks channel funds to firms for
production and provide collateralized loans to mortgage borrowers; thus, banks determine
their asset account structures endogenously. We show that a credit supply expansion to
banks can account for four key facts that characterize the housing boom: (1) an increase
in real house prices; (2) an increase in the mortgage-to-GDP ratio; (3) a decrease in the
real mortgage interest rate; and (4) an increase in the ratio of mortgages to firm loans in
commercial bank asset accounts. In our model, a credit supply expansion to banks can also
generate a boom-bust cycle through the collateral value channel via mortgage borrowers.
Asset-side bank regulations that reduce excessive mortgage issuance during a credit boom
can help to dampen the subsequent economic downturn. keywords: گسترش اعتبار | لیبرال سازی بانک | ورق بانکی | چرخه کسب و کار | Credit expansion | Bank liberalization | Bank balance sheet | Business cycle |
مقاله انگلیسی |
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Do financial crises cleanse the banking industry? Evidence from US commercial bank exits
آیا بحرانهای مالی صنعت بانکی را پاکسازی می کند؟ شواهدی از خروج بانک تجاری آمریکا-2019 We examine the cleansing effect of financial crises via their contribution to the exit of inefficient US commercial banks from 1984 to 2013. We find a larger increase in the exit likelihood of less efficient banks as compared to more efficient banks in the years of the Savings and Loans Crisis but not during the Global Financial Crisis. We highlight how the magnitude of the shock of the Global Financial Crisis and the subsequent, broad government interventions might explain these different results. Furthermore, we highlight that both crisis periods have a disproportionate effect on young banks regardless of their efficiency levels and that they do not generate any positive spillover effects on surviving banks in the three years post-crises in spite of some reallocation benefits in favor of new entry banks. Our findings highlight that forms of prudential regulation designed to strengthen bank resilience in good times might contribute to mitigating the effects of crisis on the longer-term productivity of the banking industry. Keywords: Financial crises | Bank efficiency | Bank exits |
مقاله انگلیسی |
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An examination of non-government-assisted US commercial bank mergers during the financial crisis
بررسی ادغام بانک تجاری در طول بحران مالی غیر دولتی به کمک ایالات متحده-2015 In this study, we examine non-government-assisted US commer
cial bank merger activity prior to and during the recent financial
crisis. Mergers that occur throughout the crisis appear to be more
significant events for both targets and acquirers. Acquirers seek
out relatively larger targets during the crisis and offer premiums
are higher than pre-crisis values. Valuation discrepancies between
targets and acquirers are also greater for crisis period mergers,
suggesting that merger gains outweigh presumably high capital
reallocation costs. Acquirers have lower capital ratios than their
peers during the crisis, indicating that they may use mergers defen
sively as recapitalization events. However, crisis period mergers
do not appear to be motivated by asset-based liquidity concerns
for either the target or acquirer. Examining how firm characteris
tics relate to value creation, we find targets that are undervalued
relative to their acquirers see larger offer premiums during the cri
sis, but not before. Targets with poorer-performing loan portfolios,
however, observe lower offer premiums during the crisis. Lastly,
we find overall merger announcement value creation during the
financial crisis is greater when targets have higher quality assets,
are better capitalized, and are less efficient
Keywords:
Financial institutions
Mergers
Financial crisis
CAMELS |
مقاله انگلیسی |
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تأثیر سرمایه بانک بر سودآوری و ریسک در سیستم بانکداری ترکیه
سال انتشار: 2014 - تعداد صفحات فایل pdf انگلیسی: 20 - تعداد صفحات فایل doc فارسی: 54 هدف از این مطالعه روشن کردن نکات اساسی پیرامون عوامل تعیین کننده ریسک پذیری در بانک ها و تحلیل رابطه آن با سرمایه و سودآوری است. ما از طیفی وسیعی از متغیرهای خاص بانکی و متغیرهای خاص کشوری به عنوان متغیرهای توصیفی استفاده می کنیم زیرا برای توصیف عملکرد و تمایل به ریسک پذیری بانک ها از اهمیت ویژه برخوردارند. در این مقاله روش گشتاور تعمیم یافته سیستم دو مرحله ای مورد استفاده قرار گرفته است که توسط آرلانو و بوور (1995) و بلاندل و باند (1998) برای پانل های دینامیک معرفی شد. در مطالعه حاضر از داده های بانکی 23 بانک تجاری در ترکیه در بازه زمانی سال های 2003 تا 2011 استفاده شد که هدف از آن بررسی اثرات سرمایه بانک بر سودآوری و ریسک بوده است. بر اساس شواهد بدست آمده دریافتیم که تأثیر افزایش سرمایه بانکی بر ریسک به طور معناداری مثبت و منفی است و به ترتیب از فرضیه های نظارتی و فرضیه خطر اخلاقی پشتیبانی می کند. همچنین نتایج نشان می دهد که بین سرمایه و سودآوری رابطه مثبت و منفی وجود دارد. بنابراین، نمونه موردنظر از فرضیه ساختار – رفتار - عملکرد نیز پشتیبانی می کند. چندین پیامد مهم سیاست گذاری نیز از نتایج تجربی ما قابل استنباط است. اولا، متغیرهای مختلف سودآوری (ریسک) الگوهای مختلفی از سرمایه را نشان می دهند. از این رو، سیاست گذاران باید بدانند که استفاده از یک متغیر واحد سودآوری (ریسک) ممکن است منجر به یک سیاست گذاری کاملاً اشتباه گردد. ثانیا، ناظران یا قانون گذاران بانکی ترکیه باید سیستم بانکداری خود را با اصلاح کارآیی مالی بانک های تجاری در جهت اجرای پیشنهادات ارائه شده از سوی Basel III بهبود ببخشند.
کلید واژه ها: سرمایه بانک | سودآوری | ریسک، داده های پانل دینامیک | ترکیه |
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