Green credit policy, government behavior and green innovation quality of enterprises

2021 ◽  
pp. 129834
Author(s):  
He-tong Wang ◽  
Shao-zhou Qi ◽  
Chao-bo Zhou ◽  
Jing-jie Zhou ◽  
Xiao-yan Huang
Keyword(s):  
Credit Policy ◽  
Green Innovation ◽  
Government Behavior ◽  
Innovation Quality

scholarly journals The Impact of Green Credit on the Green Innovation Level of Heavy-Polluting Enterprises—Evidence from China

2022 ◽  
Vol 19 (2) ◽  
pp. 650
Author(s):  
Zhifeng Zhang ◽  
Hongyan Duan ◽  
Shuangshuang Shan ◽  
Qingzhi Liu ◽  
Wenhui Geng
Keyword(s):  
Natural Experiment ◽  
Double Difference ◽  
Credit Policy ◽  
Green Innovation ◽  
Innovation Activities ◽  
Corporate Credit ◽  
Credit Financing ◽  
The Cost ◽  
The Impact

This article uses the “Green Credit Guidelines” promulgated in 2012 as an example to construct a quasi-natural experiment and uses the double difference method to test the impact of the implementation of the “Green Credit Guidelines” on the green innovation activities of heavy-polluting enterprises. The study found that, in comparison to non-heavy polluting enterprises, the implementation of green credit policies inhibited the green innovation of all heavy-polluting enterprises. In the analysis of heterogeneity, this restraint effect did not differ significantly due to the nature of property rights and the company’s size. The mechanism test showed that green credit policy limits the efficiency of business investment and increases the cost of financing business debt. Eliminating corporate credit financing, particularly long-term borrowing, negatively impacts the green innovation behavior of listed companies.

scholarly journals Connecting Research and Teaching Through Product Innovation: Quality of Life Technology RET Site

2020 ◽  
Author(s):  
Mary Goldberg ◽  
Jon Pearlman ◽  
Christian Schunn ◽  
Birdy Reynolds ◽  
Shelly Brown
Keyword(s):  
Quality Of Life ◽  
Product Innovation ◽  
Research And Teaching ◽  
Innovation Quality

scholarly journals MINIMIZING CREDIT RISK AND IMPROVING THE QUALITY OF THE CREDIT PORTFOLIO OF THE COMMERCIAL BANK

2017 ◽  
pp. 18-23
Author(s):  
O. M. Ermolenko
Keyword(s):  
Credit Risk ◽  
Foreign Banks ◽  
Credit Policy ◽  
Loan Portfolio ◽  
Financial Uncertainty ◽  
Main Factors ◽  
Lending Activity ◽  
Credit Portfolio

The article examines the main factors shaping the credit risk and defines the role of credit risk in the process of formation of a credit portfolio of commercial banks. In conditions of instability and financial uncertainty, credit institutions are faced with risks, including credit, because credit operations occupy the largest share in their activities. The quality of loan portfolio determines the capabilities of the Bank in its functioning on the market of credit products, which affects the level of lending activity and the possibility of recovery in the credit market. The process associated with the loans is determined by the credit quality of the banks. Statistics data of the operation activities of commercial domestic and foreign banks suggests that a well-organized loan process, efficiently formed loan portfolio and conduct credit policy, the Bank will provide prosperity in the future.

scholarly journals Problems of qualitative evaluation of commercial bank loan

2020 ◽  
pp. 15-19
Author(s):  
Nadiia SOLOVEI ◽  
Ihor SKRYPNYCHENKO
Keyword(s):  
Commercial Bank ◽  
Financial Stability ◽  
Risk Index ◽  
Maximum Yield ◽  
Bank Loan ◽  
Credit Policy ◽  
Loan Portfolio ◽  
Banking Institutions ◽  
Credit Portfolio

The article defines the nature of the loan portfolio, as well as the problems in the assessment and analysis of the commercial bank loan portfolio. In order to improve the existing credit portfolio of the bank, the dynamics, categories of the borrower ratio and the quality of the loan portfolio are analyzed, based on the obtained data, significant factors influencing the formation and management of the analyzed bank's loan portfolio are determined. Generation of a loan portfolio is usually subject to issuance of loans with maximum yield on the same terms. The profitability of a loan transaction is determined by the amount of the interest rate on the specific loan, the duration of the loan and the accepted system of calculation of interest payments. Practice shows that the success of managing the efficiency of banking investments and the formation of an effective structure of the bank's credit portfolio depend to a large extent on the skills of managing the banking institutions that carry out optimal formation, management of the credit portfolio and good management to ensure the efficiency of activities with the least possible risk and maximize results. The quality of the loan portfolio is analyzed using the coefficient method based on the calculation and analysis of trends in the development of relevant quantitative indicators. In the economic literature, the indicators that we can use to assess the quality of a bank's loan portfolio are divided into two groups: the credit portfolio risk index and the profitability of the credit business. The results of the analysis allow us to draw conclusions about the level of risk and profitability of the bank's loan portfolio and to develop measures to improve the effectiveness of the bank's credit policy. Based on the analysis of the structure and quality of the loan portfolio, the Bank's management is given an opinion to consider in order to determine the priority instructions for the placement of credit resources, limit the concentration and diversification of the loan portfolio and set limits on the execution of individual loans. It is concluded that prudent credit policy with an increase in rates, constant monitoring of the components of the credit portfolio, urgent management measures of banking institutions in the field of risk management should lead to an increase in lending and improve the quality of the portfolio management system. It is noted that the implementation of mainly quality measures to improve the structure of the loan portfolio will inevitably affect the financial stability of the bank and business efficiency, as well as increase its competitiveness and operational security.

scholarly journals Impact of Emotional Intelligence on employability of IT professionals

2018 ◽  
Vol 14 (1) ◽  
Author(s):  
Arjit Pathak ◽  
Shardul Shankar ◽  
Vijayshri Tewari
Keyword(s):  
Emotional Intelligence ◽  
Job Performance ◽  
Employee Commitment ◽  
Personal Relationships ◽  
Recent Analysis ◽  
It Professionals ◽  
Innovation Quality ◽  
Job Performance And Satisfaction

This paper critically analyses conceptualizations and authentic proof in support of Emotional Intelligence (EI) and its claimed role in the potential employability of the budding and working IT Professionals. EI is claimed to have an effect on a sizeable array of behaviors, as well as employee commitment, teamwork, development of aptitude, innovation, quality of accommodation, and client bond in observation. Analysis confirms that person with high degrees of emotional intelligence present plenty of abilities. Success makes more dynamic personal relationships, lead an abundance of teams, and relish higher health than those with the low EI. A phrenic conception is given to the supposed standing of EI in employment initiatives (which categorically accentuate on recruitment and placement), job performance, and satisfaction. Overall, this paper demonstrates that recent analysis has caused vital developments towards understanding the utility of EI within the workplace. The paper concludes by offering a variety of sensible pointers for the event and implementation of EI measures at IT professionals’ employability.

Developing a methodology of internal control of settlement transactions

2021 ◽  
Vol 22 ◽  
pp. 186-205
Author(s):  
Guzaliya S. KLYCHOVA ◽  
Alsu R. ZAKIROVA ◽  
Aigul' S. KLYCHOVA ◽  
Il'dus M. GIMADIEV
Keyword(s):  
Internal Control ◽  
Systems Approach ◽  
Control Process ◽  
Information Support ◽  
Credit Policy ◽  
Information Base ◽  
The Face ◽  
Control Procedures ◽  
Key Indicators

Subject. This article deals with the issues of internal control of economic entities' settlement operations in the face of increasing receivables and payables. This is influenced by various objective and subjective factors. Objectives. The article aims to improve the methodological support of internal control of settlement operations in order to improve the quality of checking and provide the information received to the company's management for operational and strategic management decisions. Methods. For the study, we used a systems approach, comparison, and the methods of data systemization and generalization. Results. The article presents certain developed working documents of internal control of settlement operations, verification of contracts and confirmation of the state of settlements with counterparties. The article also proposes to rate the reliability of receivables on the basis of a system of key indicators, during the internal control process. Conclusions and Relevance. The peculiarity of internal control of settlement operations is due to the variety of regulatory and information support of verification. The approaches developed can be used to define the information base, set targets and define control objectives, select control procedures rationally, and apply working documents in the internal control of settlement operations. The presented method of rating counterparties can be used to develop a credit policy to reduce the amount of doubtful debt and improve the efficiency of the company.

Developing a methodology of internal control of settlement transactions

2021 ◽  
Vol 22 (1) ◽  
pp. 94-114
Author(s):  
Guzaliya S. KLYCHOVA ◽  
Alsu R. ZAKIROVA ◽  
Aigul' S. KLYCHOVA ◽  
Il'dus M. GIMADIEV
Keyword(s):  
Internal Control ◽  
Systems Approach ◽  
Control Process ◽  
Information Support ◽  
Credit Policy ◽  
Information Base ◽  
The Face ◽  
Control Procedures ◽  
Key Indicators

Subject. This article deals with the issues of internal control of economic entities' settlement operations in the face of increasing receivables and payables. This is influenced by various objective and subjective factors. Objectives. The article aims to improve the methodological support of internal control of settlement operations in order to improve the quality of checking and provide the information received to the company's management for operational and strategic management decisions. Methods. For the study, we used a systems approach, comparison, and the methods of data systemization and generalization. Results. The article presents certain developed working documents of internal control of settlement operations, verification of contracts and confirmation of the state of settlements with counterparties. The article also proposes to rate the reliability of receivables on the basis of a system of key indicators, during the internal control process. Conclusions and Relevance. The peculiarity of internal control of settlement operations is due to the variety of regulatory and information support of verification. The approaches developed can be used to define the information base, set targets and define control objectives, select control procedures rationally, and apply working documents in the internal control of settlement operations. The presented method of rating counterparties can be used to develop a credit policy to reduce the amount of doubtful debt and improve the efficiency of the company.

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