A Study on Commercial Bank Sustainable Development Countermeasures in the Face of Real Estate Credit Risk in China

The article deals with the problem of achieving sustainable development. The purpose of this study is to reveal the relationship between the components of sustainable development, taking into account the involvement of indigenous peoples in nature conservation. Climate change makes achieving sustainable development more difficult. Indigenous peoples are the first to feel the effects of climate change and play an important role in the environmental monitoring of their places of residence. The natural environment is the basis of life for indigenous peoples, and biological resources are the main source of food security. In the future, the importance of bioresources will increase, which is why economic development cannot be considered independently. It is assumed that the components of resilience are interrelated and influence each other. To identify this relationship, a model for the correlation of sustainable development components was developed. The model is based on the methods of correlation analysis and allows to determine the tightness of the relationship between economic development and its ecological footprint in the face of climate change. The correlation model was tested on the statistical materials of state reports on the environmental situation in the Khanty-Mansiysk Autonomous Okrug – Yugra. The approbation revealed a strong positive relationship between two components of sustainable development of the region: economy and ecology.

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Formulating Modes of Cooperative Leaning for Education for Sustainable Development

Sustainability ◽

10.3390/su13063465 ◽

2021 ◽

Vol 13 (6) ◽

pp. 3465

Author(s):

Jordi Colomer ◽

Dolors Cañabate ◽

Brigita Stanikūnienė ◽

Remigijus Bubnys

Keyword(s):

Sustainable Development ◽

Real Life ◽

Education For Sustainable Development ◽

Professional Life ◽

Global Challenges ◽

Life Problems ◽

The Face ◽

Contemporary Education ◽

The Impact

In the face of today’s global challenges, the practice and theory of contemporary education inevitably focuses on developing the competences that help individuals to find meaningfulness in their societal and professional life, to understand the impact of local actions on global processes and to enable them to solve real-life problems [...]

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Credit Risk Management of Property Investments through Multi-Criteria Indicators

Risks ◽

10.3390/risks9060106 ◽

2021 ◽

Vol 9 (6) ◽

pp. 106

Author(s):

Marco Locurcio ◽

Francesco Tajani ◽

Pierluigi Morano ◽

Debora Anelli ◽

Benedetto Manganelli

Keyword(s):

Real Estate ◽

Credit Risk ◽

Risk Index ◽

Capital Requirements ◽

Basel Iii ◽

Participatory Process ◽

Regulatory Capital ◽

The Real Estate ◽

Financial Variables ◽

Synthetic Index

The economic crisis of 2008 has highlighted the ineffectiveness of the banks in their disbursement of mortgages which caused the spread of Non-Performing Loans (NPLs) with underlying real estate. With the methods stated by the Basel III agreements, aimed at improving the capital requirements of banks and determining an adequate regulatory capital, the banks without the skills required have difficulties in applying the rigid weighting coefficients structures. The aim of the work is to identify a synthetic risk index through the participatory process, in order to support the restructuring debt operations to benefit smaller banks and small and medium-sized enterprises (SME), by analyzing the real estate credit risk. The proposed synthetic risk index aims at overcoming the complexity of Basel III methodologies through the implementation of three different multi-criteria techniques. In particular, the integration of objective financial variables with subjective expert judgments into a participatory process is not that common in the reference literature and brings its benefits for reaching more approved and shared results in the debt restructuring operations procedure. Moreover, the main findings derived by the application to a real case study have demonstrated how important it is for the credit manager to have an adequate synthetic index that could lead to the avoidance of risky scenarios where several modalities to repair the credit debt occur.

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Working Towards Sustainable Development in the Face of Uncertainty and Incomplete Knowledge

Journal of Environmental Policy & Planning ◽

10.1080/15239080701622774 ◽

2007 ◽

Vol 9 (3-4) ◽

pp. 245-262 ◽

Cited By ~ 42

Author(s):

Armin Grunwald

Keyword(s):

Sustainable Development ◽

Incomplete Knowledge ◽

The Face

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Determinants of commercial bank loan and advance disbursement: the case of private Ethiopian commercial banks

International Journal of Bank Marketing ◽

10.1108/ijbm-05-2021-0166 ◽

2021 ◽

Vol ahead-of-print (ahead-of-print) ◽

Author(s):

Tekeste Birhanu ◽

Sewunet Bosho Deressa ◽

Hossein Azadi ◽

Ants-Hannes Viira ◽

Steven Van Passel ◽

...

Keyword(s):

Credit Risk ◽

Commercial Bank ◽

Commercial Banks ◽

Inflation Rate ◽

Bank Loans ◽

Bank Loan ◽

Portfolio Investment ◽

Negative Effects ◽

Content Type ◽

Lending Rate

PurposeThis paper aimed to investigate the determinants of loans and advances from commercial banks in the case of Ethiopian private commercial banks.Design/methodology/approachThe study randomly selected seven commercial banks to represent the population stratified on their asset, deposit and paid-up capital amounts. The study utilized an unbalanced panel data model as each bank started operation at a different period of time and considered the period 1995–2016 for secondary details.FindingsThe findings showed that the deposit size, credit risk, portfolio investment, average lending rate, real gross domestic product (GDP) and inflation rate had significant and optimistic effects on the lending and advancement of private commercial banks. On the contrary, liquidity ratio had significant and negative effects on private commercial bank loans and advances. Finally, the study forwarded a feasible recommendation for concerned organs to focus on deposit size, credit risk, portfolio investment, average lending rate, real GDP, inflation rate and liquidity ratio. The results of this study will help banking industry policymakers and planners understand how to minimize inflation and unemployment by improving development and sustainable economic growth.Originality/valueThe findings of this study can also affect the general attitudes of a society by increasing knowledge and improve the quality of life for the general public.

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ANALISIS LIQUIDITY CREATION PADA PERBANKAN DI INDONESIA TAHUN 2007-2013 (STUDI KASUS PADA 10 BANK BESAR DI INDONESIA TAHUN 2013)

JURNAL STUDI MANAJEMEN ORGANISASI ◽

10.14710/jsmo.v12i1.13424 ◽

2016 ◽

Vol 12 (1) ◽

pp. 76

Author(s):

Muhammad Mirajudin ◽

Prasetiono Prasetiono

Keyword(s):

Credit Risk ◽

Commercial Bank ◽

Banking Industry ◽

Third Party ◽

Bank Credit ◽

Bank Capital ◽

Banking Supervision ◽

Earnings Volatility ◽

Negative Effect ◽

Income Instability

Problems related to banking in Indonesia today is the problem of liquidity. It is shownfrom a commercial bank credit grew 23.03% but not matched by growth in depositswhich only reached 16.56% in 2012 (Report of Banking Supervision, 2012). Therefore,this study aims to determine the liquidity creation in Indonesia as well as to analyze theinfluence of bank capital, credit risk and income instability towards liquidity creation.The samples includes 10 major banks in Indonesia with total assets of more thanRp120billion in 2013. The reason for choosing this sample because of the 10 largestbanks reflects the state of the banks in Indonesia which accounted for 65.2% of totalassets, 65.6% of total loans, and 66% of total deposits or deposits in the banking industry(PEFINDO, 2014). The results of this research note that the bank's capital and earningsvolatility is significant negative effect on liquidity creation. While the credit risk of anegative but insignificant effect on liquidity creation. In the determination coefficient testshowed that 43.6% dependent variable is the liquidity creation can be explained by theindependent variable is the capital of banks, credit risk and earnings volatility. While56.4% is explained by other variables outside the model of this study.Keywords: liquidity creation, capital of banks, credit risk, third-party funds, banks inIndonesia.

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