scholarly journals A Tripartite Game-Theory-Based Cooperation Mechanism for the Electronic Warehouse Receipt Pledge Financing Mode

2021 ◽  
Vol 2021 ◽  
pp. 1-8
Author(s):  
Junwei Jia ◽  
Haoyue Zhang ◽  
Qi Wang
Keyword(s):  
Interest Rates ◽  
Influencing Factors ◽  
Commercial Banks ◽  
Evolutionary Game ◽  
Information Service ◽  
Equilibrium Strategy ◽  
Selection Strategy ◽  
Game Equilibrium ◽  
Cooperation Mechanism ◽  
Loan Interest Rates

To explore the electronic warehouse receipt pledge financing cooperation mechanism in the alliance formed between loan enterprises, commercial banks, e-commerce platforms, and logistics enterprises, by constructing a tripartite evolutionary game model, the game equilibrium strategy is then obtained, and the influencing factors of the cooperation mechanism are further simulated. It was found that in this tripartite evolutionary game, the stable strategy combination occurs when the loan enterprise chooses to repay on time, the platform alliance chooses to provide services, and the commercial bank chooses to continue to cooperate. However, heterogeneity exists in the influencing factors for the three-party selection strategy in the game, which is manifested in the fact that the higher the realization rate of the pledge, the more evolution is required in the selection strategy for loan enterprises to continue cooperating. The higher the information service fee, the higher the enthusiasm of the platform alliance in choosing to provide services. Credit levels, loan interest rates, and pledge realization rates are all important factors that affect the choice strategy of commercial banks.

scholarly journals Research on Green Collaborative Innovation Mechanism of Cloud Manufacturing Enterprises under Government Supervision

2021 ◽  
Vol 2021 ◽  
pp. 1-17
Author(s):  
Jiaqi Zhai ◽  
Xinliang Xu ◽  
Jianzhong Xu ◽  
Xichen Lyu
Keyword(s):  
Government Regulation ◽  
Load Capacity ◽  
Rapid Development ◽  
Evolutionary Game ◽  
Cloud Manufacturing ◽  
Equilibrium Strategy ◽  
Selection Strategy ◽  
Manufacturing Enterprises ◽  
Collaborative Innovation ◽  
The Government

With the rapid development of information technology, the sharing economy based on “Internet plus” cloud platforms has become a new collaborative innovation mode and a hot topic in recent years. Considering that government regulation restricts green innovation cooperation among cloud manufacturing enterprises, an evolutionary game model involving the government and cloud manufacturing enterprises A and B with potential differences in their technology knowledge is established using evolutionary game theory. A replication dynamic equation is established, the evolutionarily stable equilibrium strategy of the three parties is analysed, and the key factors affecting the cooperative selection strategy of the government and cloud manufacturing enterprises are discussed through a MATLAB-based numerical simulation. This research shows that when governmental incentives and punishments, the platform load capacity, the trust between enterprises, the technology loss coefficient, and the informatization degree are increased, the government will tend to choose supervision, and cloud manufacturing enterprises A and B will tend to choose the “collaborative innovation” strategy. These results provide a scientific basis suggesting that the government should not only formulate rules and regulations for cloud manufacturing enterprises but also promote green collaborative innovation among such enterprises and enhance their core competitiveness.

scholarly journals Dampak Faktor Makroekonomi terhadap Non Performing Loan pada Kredit Produktif Bank Umum di Indonesia

2020 ◽  
Vol 3 (1) ◽  
pp. 1-28
Author(s):  
Alben Hernando ◽  
◽  
Elvaretta Miranda ◽  
Lauw Luvena Aileen Theodora ◽  
Yohanes B. Kadarusma ◽  
...  
Keyword(s):  
Exchange Rate ◽  
Regression Model ◽  
Interest Rates ◽  
Commercial Bank ◽  
Significant Relationship ◽  
Commercial Banks ◽  
Negative Relationship ◽  
Gdp Growth ◽  
Macroeconomic Variables ◽  
Loan Interest Rates

This study aims to find out the factors that affect non-performing loans of productive loans of commercial banks registeredin oritas Jasa Keuangan. This study examined the macroeconomic variables that affect productive credit NPLs. The sample used is a commercial bank in Indonesia, which is registered in OJK. Productive credit NPL data are taken quarterly from 2003 to 2017,and 56 observationsare obtained. The regression model used in this study is ARDL, with the help of processing Eviews 10 software. The macroeconomic variables tested in this research consist of GDP growth, loan interest rates growth, and IDR/ USD exchangerate growth. GDP growth and exchange rate growth has a negative relationship, while loan interest rates growth does not have a significant relationship with the dependent variable.

Strategi Pengelolaan Risiko dan Peningkatan Kualitas Pengelolaan Kas Negara

2017 ◽  
Vol 2 (2) ◽  
pp. 43-54
Author(s):  
Agung Mulyono
Keyword(s):  
Interest Rates ◽  
Financial Risk ◽  
Vector Autoregression ◽  
Secondary Market ◽  
Key Factors ◽  
Bond Price ◽  
Hedging Strategy ◽  
Foreign Loan ◽  
Term Operation ◽  
Loan Interest Rates

Cash management is  one of treasury’s main functions in which has a potential financial risk. A potential financial risk emerges when State Treasurer manages cash surplus and or/ shortages in order to maintain optimum liquidity. By applying Vector Autoregression (VAR) system on empirical data provided by Bank Indonesia and the Ministry of Finance of Indonesia, we found that currency value  flunctuation is a significant factor for repayment value of foreign loan. Interest rates and amount of government’s bond held by foreign investors are also variables impacted on government’s bond price movement in secondary market. Currency value  flunctuation and price of government’s bond in secondary market are the key factors that have to be considered by State Treasurer (BUN) in managing state’s money. Hedging strategy by using derivatif product is possible to be utilized by State Treasurer (BUN) due to it’s flexibility for short-term operation.   Abstrak Pengelolaan kas negara merupakan salah satu fungsi pokok perbendaharaan yang dalam proses pelaksanaannya menyimpan potensi berbagai risiko keuangan. Risiko keuangan, khususnya dalam investasi berpotensi muncul ketika Bendahara Umum Negara (BUN) melakukan kegiatan pengelolaan kelebihan dan/ kekurangan kas dalam rangka menjamin ketersediaan dan optimalisasi kas. Dengan menggunakan analisis Vector Autoregression (VAR) atas data empiris yang diperoleh dari Bank Indonesia dan Kementerian Keuangan Indonesia, penulis menemukan bahwa fluktuasi nilai tukar mata uang merupakan faktor yang signifikan terhadap besaran pembayaran utang luar negeri pemerintah. Tingkat suku bunga acuan dan pergerakan besaran kepemilikan SUN oleh investor asing juga merupakan variabel yang berpengaruh terhadap pergerakan harga SUN di pasar sekunder. Fluktuasi nilai tukar mata uang dan pergerakan harga SUN di pasar sekunder menjadi faktor penting dalam pelaksanaan investasi yang dilakukan BUN dalam rangka pengelolaan kelebihan dan/ kekurangan kas. Berdasarkan hasil tersebut, strategi pengelolaan risiko atau hedging dengan menggunakan produk-produk derivatif dalam pengelolaan kelebihan dan/ kekurangan kas jangka pendek – menengah sangat dimungkinkan karena sifat instrumen derivatif yang fleksibel.

Research on cooperation mechanism of marine plastic waste management based on complex network evolutionary game

Marine Policy ◽  
2021 ◽  
Vol 134 ◽  
pp. 104774
Author(s):  
Xin Xu ◽  
Yingying Hou ◽  
Changping Zhao ◽  
Lei Shi ◽  
Yu Gong
Keyword(s):  
Waste Management ◽  
Complex Network ◽  
Evolutionary Game ◽  
Plastic Waste ◽  
Cooperation Mechanism

The Effect of Repayment Through Payroll Deduction on Personal Loan Interest Rates

2006 ◽  
Author(s):  
Eduardo Augusto de Souza Rodrigues ◽  
Victorio Chu ◽  
Leonardo S. Alencar ◽  
Tony Takeda
Keyword(s):  
Interest Rates ◽  
Loan Interest Rates

scholarly journals Savings Level Determinants and Sustainability of Commercial Banks in Rwanda: A Case of I&M Bank Rwanda

2022 ◽  
Vol 6 (1) ◽  
pp. 10-27
Author(s):  
Aimable Nshimiyimana ◽  
◽  
Eugenia Nkechi Irechukwu ◽  
Keyword(s):  
Interest Rates ◽  
Commercial Banks ◽  
Financial Institution ◽  
Secondary Data ◽  
Income Level ◽  
Access To Credit ◽  
Credit Score ◽  
Descriptive Research ◽  
Specific Objective ◽  
Finance Department

The purpose of this study was to investigate the effect of savings level determinant on sustainability in I&M Rwanda. The specific objectives were to establish the effect of interest rate, income level and access to credit on the sustainability of I&M Bank. This study implemented a descriptive research design and utilized coefficient of correlation to assess the effect of each specific objective on the sustainability of the Bank. The population comprised of 12,057 including 12,050 customers and 7 staff of finance department of I&M Bank Rwanda. A sample size of 99 was calculated using Yamane (1967) simplified formula. To accomplish this aim, both primary and secondary data are used. The researcher used simple random and purposive sampling techniques. A questionnaire and interview have used to collect data. Quantitative data was obtained using questionnaire while a financial statement of I&M Bank covering 2016-2020 was used as secondary data. Descriptive and inferential statistical analysis showing mean, standard deviation, correlation and regression was used statistical Package for Social Sciences (SPSS) version 26.0 to analyze statistical information while content analysis used to analyze qualitative information. The findings and recommendations for this study addressed to the I & M Bank Rwanda, for decision-making and policies. The study found that interest rates, income level and access to credit have significant positive effect on sustainability of commercial banks in Rwanda at 78%, 90.5% and 92.9% respectively. The relationship among saving level determinants and sustainability of business bank was also determined to be linear with increase in get admission to credit score by means of clients. The researcher concluded that saving degree and get admission to credit volatility had more effect on sustainability of banks. The study endorsed that guideline to be installed vicinity to boom financial institution lending and ensure monitoring the same. Keywords: Savings Level Determinant, Sustainability, Commercial Banks, I&M Bank, Rwanda

scholarly journals Economic Growth, Policies and Influencing Factors: The Case of Albania

2016 ◽  
Vol 4 (1) ◽  
pp. 107
Author(s):  
Eleni Vangjeli ◽  
Anila Mancka
Keyword(s):  
Economic Growth ◽  
Monetary Policy ◽  
Fiscal Policy ◽  
Interest Rates ◽  
Empirical Analysis ◽  
Influencing Factors ◽  
Fiscal Policies ◽  
The Government ◽  
High Level ◽  
The Empirical Analysis

Monetary and fiscal policies are two policies that the government could use to keep a high level of growth, with a low inflancion. Fiscal policy has its initial impact on the stock market, while monetary policy in market assets. But, given that the goods and active markets are closely interrelated, both policies, monetary as well as fiscal have impact on the economy, increasing the level of product through the reduction of interest rates. In our paper we will show how functioning monetary and fiscal policies. But also in our paper we will analyze the different factors which have affected the economic growth of the country. The focus of our study is the graphical and empirical analysis of economic growth, policies and influencing factors. For the empirical analysis we have used data on the economic growth in Albania for 1996– 2014.

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