credit mechanism
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2021 ◽  
Vol 33 (6) ◽  
pp. 1-16
Author(s):  
Guihe He

Since entering the 21st century, with the rapid development of Internet technology, the network platform of e-commerce has also undergone great changes. With the rapid development of e-commerce economy, the widespread existence of credit risks in the trading process of e-commerce environmental goods has caused great harm to the healthy development of e-commerce, and has gradually become the biggest bottleneck restricting the development of e-commerce in China.Based on the basic model of e-commerce market, and proposes four types of credit mechanism to maintain social relations in the process of e-commerce environmental goods trading: that is, credit mechanism without government intervention; As can be seen from the experimental data, the Alpha coefficient of each potential variable set in the experiment in this paper is above 0.6, which is within the acceptable range, which verifies that the method model proposed in this paper to maintain social relations in the process of e-commerce environmental goods trading is effective in application.


2021 ◽  
Vol 33 (6) ◽  
pp. 0-0

Since entering the 21st century, with the rapid development of Internet technology, the network platform of e-commerce has also undergone great changes. With the rapid development of e-commerce economy, the widespread existence of credit risks in the trading process of e-commerce environmental goods has caused great harm to the healthy development of e-commerce, and has gradually become the biggest bottleneck restricting the development of e-commerce in China.Based on the basic model of e-commerce market, and proposes four types of credit mechanism to maintain social relations in the process of e-commerce environmental goods trading: that is, credit mechanism without government intervention; As can be seen from the experimental data, the Alpha coefficient of each potential variable set in the experiment in this paper is above 0.6, which is within the acceptable range, which verifies that the method model proposed in this paper to maintain social relations in the process of e-commerce environmental goods trading is effective in application.


2021 ◽  
Vol 2021 ◽  
pp. 1-10
Author(s):  
Wuqi Gao ◽  
Wubing Mu ◽  
Shanshan Huang ◽  
Man Wang ◽  
Xiaoyan Li

Alliance chain is a typical multicenter block chain and is easily implemented, so it is supported by more and more enterprises and governments. This paper analyzes the advantages and disadvantages of the Practical Byzantine Fault Tolerance (PBFT) in the alliance chain application scene. Aiming at the low efficiency of multinode consensus of the PBFT algorithm, the C-Raft-PBFT consensus algorithm is proposed. By integrating the Raft algorithm and the PBFT algorithm with the credit mechanism, designing node credit evaluation and grading protocols, and increasing Byzantine node detection based on feedback mechanism and other methods, the system efficiency is improved. The experiment results show that the improved algorithm has better throughput and lower delay, and the system’s fault tolerance is also improved. Among them, the delay is reduced by 1.93 seconds on average; in the case of an increase in system nodes, the number of nodes in the experimental data is between 200 and 225, and the throughput is increased by 6.46% on average.


2021 ◽  
Vol 4 (3) ◽  
pp. 98-100
Author(s):  
Anggrella Simbolon

Capital is the most important thing in production activities. Without capital, it is impossible for a production activity to run as it should. Likewise for entrepreneurs, especially micro, small and medium entrepreneurs who generally experience problems in terms of capital. These capital giving institutions are generally handled by the banking sector. However, for various reasons, these micro, small and medium entrepreneurs rely more on credit originating from non-governmental organizations which are currently emerging in the community. The institution emerged to develop a small credit mechanism specifically for micro, small and medium entrepreneurs. Like the Credit Union, it is one of the credit providers for micro, small and medium entrepreneurs.


2021 ◽  
Vol 2021 ◽  
pp. 1-12
Author(s):  
Qingfeng Zhu ◽  
Kaimin Zheng ◽  
Yilin Wei

To get rid of the development dilemma of green credit, we constructed a stochastic evolutionary game model of local government, commercial banks, and loan enterprises. We gave sufficient conditions for the stability of strategy based on the stability discriminant theorem of It o ^ ' s stochastic differential equation (SDE). Then, we discussed the impacts of incentive and penalty parameters on green credit. Through the above analysis, we got the following conclusions: (1) rewards and punishments always benefit green production and green credit, but increasing incentives is not conducive to the governments’ performance of regulatory duties; (2) punishments can better improve the convergence rate of players’ strategy than rewards; and (3) both rewards and punishments can exert an obvious effect in improving the changing degree of players’ strategy. Finally, we put forward some suggestions to optimize the green credit mechanism.


2021 ◽  
pp. 25-30
Author(s):  
Serhii KOLOTUKHA ◽  
Nataliia HVOZDIEI ◽  
Oksana VINNYTSKA

Introduction. Domestic practice and foreign experience indicate that the finances of agricultural enterprises differ in certain specificities and require constant attraction of borrowed capital. The use of borrowed capital makes it possible to significantly expand the volume of economic activities of an enterprise, to ensure a more efficient use of its own funds, and to accelerate the renewal of fixed assets. In this regard, the attraction and use of borrowed financial resources is the most important aspect of the financial activities of the enterprise, aimed at achieving high final results of management. The purpose of the paper is to study the features and state of bank lending to the agricultural sector of the Ukrainian economy and the prospects for its further development. Results. The situation on the market of bank lending to agricultural enterprises is analyzed. The main factors of demand for credit resources on the part of agricultural enterprises are revealed. The volume of the credit services market formed by banks and non-bank financial institutions has been analyzed. It was found that bank lending tends to decline, which determines the development of non-bank forms of lending. The ratio of the levels of profitability and average annual interest rates on loans received by agricultural enterprises is considered and it is proved that efficiency indicators are not related to the level of interest rates on loans and this does not stimulate agricultural producers to increase their profitability. Conclusion. In the system of state support for the economy of agricultural producers, it is necessary to form a credit mechanism adequate to the current conditions, in which it is advisable to coordinate all levels of support with various instruments of a legal and economic nature.


Author(s):  
Bekmukhammad Omonovich Tursunov ◽  

The article examines the credit mechanism of increasing the competitiveness of the national economy and areas for improving its efficiency. The impact of increasing the credit activity of economic entities on the competitiveness of sectors of the national economy was assessed. A systematic description of the existing shortcomings and problematic processes in this regard is provided. Scientific proposals and practical recommendations for overcoming problematic processes in the systematic organization of increasing the competitiveness of the national economy have been formed.


2021 ◽  
Vol IV(1) ◽  
Author(s):  
Zhanna Kononenko ◽  
◽  
Oleksandra Kuzmenko ◽  
Kateryna Pylypenko ◽  
◽  
...  

The problematic aspects of the financial and credit mechanism of business activity are considered. Some factors of formation of financial interrelations at the micro level and their interaction at the macro level are investigated. The problem areas of entrepreneurship are emphasized. The systemic factors of sources of financial resources in the business sector are generalized. Attention is paid to the need to develop and improve the financial subsystem of entrepreneurial activity. Peculiarities of supporting potential innovative implementation are investigated.


Author(s):  
Nadiia Davydenko ◽  
Olena Zhovnirenko ◽  
Olha Kliuchka

An important component of forming the basis for the balanced development of the domestic agricultural sector is the reproduction and protection of land resources. A significant part of the problems here are directly related to the insufficiency and inefficiency of financial support for agricultural land use. The purpose of the article is to reveal the financial and credit mechanism for ensuring balanced land use and to develop proposals for improving the financial support for the reproduction and protection of agricultural land through the introduction of tax incentives. The financial and credit mechanism for stimulating balanced agricultural land use can be defined as structurally complex and diversified; it has its own features to ensure its implementation and influence on the subjects of financial and credit relations in the direction of regulating their activities. It is established that financial relations in agricultural land use combine a very large chain of relationships between the state, enterprises, individuals and financial institutions in terms of financial support for the reproduction of agricultural land use. The financial and credit mechanism for stimulating balanced agricultural land use can be defined as structurally complex and branched; it has its own features to ensure its implementation and influence on the subjects of financial and credit relations in the direction of regulating their activities. It is proved that it is necessary to create such conditions of management that unbalanced use of land became economically unprofitable. The level of profitability and income of land users should become dependent on the degree of achievement of balanced agricultural land use, which is determined by a set of agrochemical indicators of the quality of land used for agricultural activities. In order to financially ensure the reproduction of balanced agricultural land use, the introduction of tax incentives is proposed. These include the formation of general favorable tax conditions for enterprises in the agricultural sector of the economy and the introduction of targeted tax benefits. It is established that the use of the above financial and credit levers and incentives for the development of balanced land use is the most accepted in today's challenges, because it has minimal impact on the expenditure side of the state budget.


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