scholarly journals Predicting and Preventing: Developing A Risk Assessment Mechanism For Residential Housing

2006 ◽  
Vol 8 (3) ◽  
pp. 137-149 ◽  
Author(s):  
Rachel Armitage
Keyword(s):  
Risk Assessment ◽  
Residential Housing ◽  
Risk Assessment Mechanism

scholarly journals The Vicious Circle of Non-performing Assets: An introspection for Indian banks to ensure their profitability amidst COVID – 19 pandemic

2020 ◽  
pp. 179-185
Keyword(s):  
Risk Assessment ◽  
Credit Risk ◽  
Financial Institutions ◽  
Service Providers ◽  
Credit Scoring ◽  
Developed Countries ◽  
Basic Function ◽  
Credit Risk Assessment ◽  
Indian Banks ◽  
Risk Assessment Mechanism

The non performing assets (NPAs) or bad loans, as we understand generally, have always been one of the key challenges for Indian banks and financial institutions and they have been adversely affecting the sustainability of these financial service providers. While performing the basic function of extending credit in order to earn interest income, however, it is also important for these institutions to have an efficient and effective credit risk assessment mechanism in place, so that, a proper balance between profitability and sustainability is maintained. Credit scoring models are one of the most important components of credit risk assessment mechanism and banks and financial institutions of many developed countries have developed credit scoring models based on advanced technologies. On the contrary, most of the Indian banks are still dependent on the traditional way of developing credit scoring models, which might be a deterrent against ensuring safe credit policy amidst the COVID – 19 pandemic.

Social Risk Assessment Mechanism Based on the Neural Networks

2019 ◽  
Author(s):  
Vadym Mukhin ◽  
Yaroslav Komaga ◽  
Valerii Zavgorodnii ◽  
Anna Zavgorodnya ◽  
Oksana Herasymenko ◽  
...  
Keyword(s):  
Neural Networks ◽  
Risk Assessment ◽  
Social Risk ◽  
The Neural Networks ◽  
Risk Assessment Mechanism

scholarly journals Credit Organization Risk Assessment Technology

2019 ◽  
Vol 8 (3) ◽  
pp. 6563-6569
Keyword(s):  
Risk Assessment ◽  
Liquidity Risk ◽  
Credit Market ◽  
Financial Statements ◽  
Legal Regulation ◽  
Practical Implementation ◽  
Financial Condition ◽  
Risk Management System ◽  
Risk Assessment Mechanism

Credit, market, operational, interest rate, currency risk of credit organizations, liquidity risk, legal regulation of such risks have been analyzed in the study. A risk assessment mechanism has been developed, which includes the following steps: assessing the reliability of financial statements, assessing the value of own funds (capital) of credit organizations, analyzing the financial condition of an investor, and assessing the value of assets. The problems of analyzing banking risks at each stage have been identified. A practical implementation of the developed methodology for analyzing the bank’s risks has been carried out, which allowed the use of “adjustment schemes” by credit organizations. The most dangerous are the schemes for artificially "inflating" the capital base of credit organizations, overstating the quality of assets, and formally reducing the risks taken. The proposed methodology has been recommended to be used to improve the risk management system of credit organizations

scholarly journals Chemicals Migrating from Food Contact Materials: European Regulations, Characterization and Human Exposure (An Overview)

2019 ◽  
Vol 76 (2) ◽  
pp. 92
Author(s):  
Diana TOMA ◽  
Carmen SOCACIU
Keyword(s):  
Risk Assessment ◽  
Human Exposure ◽  
Food Packaging ◽  
Molecular Size ◽  
Chemical Contamination ◽  
Contact Materials ◽  
Food Contact Materials ◽  
Food Contact ◽  
Food Quality And Safety ◽  
Risk Assessment Mechanism

Food contact materials have high societal importance due to their influence on food quality and safety. In the food chain production, food matrix may interfere with many types of materials, particularly with food packaging. During the last decades, the concerns related to food packaging (especially plastics) and the migration of chemicals from food contact materials increased significantly, being affected by the nature and complexity of the food, the contact time and temperature, the type of food packaging material and the molecular size of the migrators. Some of these migrators are toxic and/or have endocrine disrupting activity. This overview reveals recent data (since 2015) about food contact materials as a source of food chemical contamination, their compliance in Europe, the analytical characterization of chemicals migrating from food contact materials as well the human exposure to such chemicals. There are mentioned the most recent scientific articles and experimental data on these topics, available from official, public reports or web sources. The major point in defining shortcomings in the current food contact risk assessment mechanism and legislation is that safety of food contact materials is currently less guaranteed due to different risk assessment, authorization processes across the Europe and their problematic enforcement.

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