The Impact of Interest Rate Marketization on Commercial Banks

<p>Interest rate marketization means that the interest rate level of financial institutions operating and financing in the money market is determined by market supply and demand. It includes interest rate determination, interest rate transmission, interest rate structure and marketization of interest rate management. At present, there are still many deficiencies and defects in the traditional interest rate management system. The reform of interest rate marketization is the focus of China’s financial system reform. Therefore, we should not only be brave in innovation, but also carefully study and analyze. In the analysis process, this paper focuses on the impact of interest rate marketization on commercial banks, and puts forward some countermeasures.</p>

Research on the Time-Varying Characteristics of China’s Financial Cycle Volatility and Its Macroeconomic Effects

<p>Based on China’s financial cycle fluctuations, this paper first analyzes the characteristics of financial structure in the process of financial cycle fluctuations, further explains the relationship between the time-varying characteristics of macroeconomic effects and financial cycle fluctuations, and finally summarizes the dynamic characteristics of time-varying characteristics of macroeconomic effects, hoping that this paper can provide constructive suggestions for relevant fields.</p>

Design Three Trading Strategies Based on Overconfidence, Loss Aversion, and Herd Behaviour

<p>There is a basic assumption in the field of economics, which is people are rational. It might be taught in the first class of the principle of economics. However, this assumption could hardly be applied to the real world since people can be affected easily sometimes, especially when they cope with their assets. Thus, with combination of psychology and academic finance, behavioural finance aims to understand the effects influencing investors’ decision-making. This paper will discuss some effects which can be commonly seen in the real world, overconfidence, loss aversion, and herd behaviour included.</p>

Machine Learning Applied in the Financial Industry

<p>Technological development provides industries and spheres with numerous benefits, particularly availability of new progressive methods that contribute to increase efficiency and enhance performance. Thus, machine learning methods may contribute to financial industry that is involved in processing of a large volume of data. Machine learning methods facilitate to process data faster and efficiently with the minimal intervention of humans. In addition, it helps to</p><div>predict possible risks for financial business and minimize risks related to the fraudulent activity or financial losses. Furthermore, application of machine learning methods contributes to enhance the work with clients and targeted groups, as well as provide them with appropriate services. The major risks of machine learning methods applications within the financial sphere relate to unpredictability and cyber security issues.</div>

Analysis on the Construction of Financial Computerizing and Fintech Management

<p>With the continuous development of China’s economy, the development of financial industry is getting faster and faster. The construction of financial computerizing is an inevitable trend of financial development, arousing widespread concern from society. This article explores and analyzes the effective development strategies of constructing financial computerizing and fintech management, aiming to provide some experience and reference for the development of financial computerizing in China.</p>

The Problems and Countermeasures of Financial Management of Chinese Enterprises in the Construction of “One Belt One Road”

<p>At present, many experts and scholars in my country have devoted themselves to the discussion of the problems and solutions of small and medium-sized enterprises under the background of “One Belt One Road”, to provide theoretical guidance for the development of enterprises, but due to the country’s management policies and laws and regulations for SMEs, there are still deficiencies. With the emergence of internal management factors of enterprises, a large number of loopholes and problems have appeared in the financial management system of SMEs. In order to effectively improve these problems, this article focuses on analyzing the current situation of SME financial management, exploring its existing problems and combine scientific financial theory and practical results and the enterprise’s own reform plan and the support of relevant national government policies which enable SMEs to seize development opportunities with the support of the government, optimize the internal management policy of the enterprise, establish and improve the financial management mechanism, and pave the way for the stable development of the enterprise.</p><p><span style="font-family: Calibri;"><br /></span></p>

How Did COVID-19 Affect the Chinese Real Estate Stock Market: An Empirical Research

<p>COVID-19 has brought disruptions to various industries in China. The real estate industry can’t remain immune from the shock as well, which can be presented by the performance of real estate stocks. This study investigates the effects of COVID-19 on the Chinese real estate stocks. Statistical methods, such as OLS regression, are used to explore the effects of new cases, new deaths, new recoveries, bad and good news about COVID-19 of provinces where the headquarters of the sample companies lie on the daily stock returns as well as the changes of volatilities before and after COVID-19. Event study is employed to discover the effects of important events during COVID-19. Results suggest that positive information about COVID-19 significantly increased daily stock returns of the listed real estate company in that province. Total risk and idiosyncratic risk of real estate stocks have increased significantly since COVID-19, while systematic risk has decreased significantly. Among the crucial events during the pandemic, the lockdown of Wuhan significantly caused negative abnormal returns for real estate stocks.</p>

Analysis of the Mask Price Change from the Perspective of Economics

<div>Since the outbreak of the new type of outbreak, the demand for masks has increased in a straight line and there is a situation of oversupply, mask prices once hit a record high, many businesses began to switch to masks. But since late May, the new crown outbreak has been largely under control and mask prices have fallen. Now analyze the trend and internal laws of mask prices during the epidemic from an economic perspective.</div>

An Empirical Study on the Profitability of Chinese Commercial Banks — Based on Factor Analysis

<p>The supporting role of financial development on the real economy is unquestionable. How to improve the profitability of commercial banks, allocate more resources efficiently and quickly to the key links of development, and urge financial institutions to better serve the real economy, is our breakthrough in economic development bottlenecks important node. Based on the data of 16 listed commercial banks in 2018, this paper uses factor analysis to calculate the profitability scores of each bank, discusses how commercial banks can better serve the real economy, and proposes corresponding policy recommendations.</p>

A Study of the Causes of Price Fluctuation in Apple Commodity and Consumer Shopping Behavior Based on Taste, Preferences, and Willingness to Pay

<p>The profit margin on the retailer’s side is thin, so increasing the consumer’s willingness to pay is crucial for the supply side to earn more profit. In this paper, the authors develop a taste test to see if consumers’ preference for organic and local apples can alter their taste perception for the same apple. The result showed consumer’s preference does change his/her taste preference on the same apple. Besides the experiment, the authors also design a survey to know the consumer’s shopping preferences and the exact willingness to pay. The survey results show that consumers are in support of Local Apples as compared to Organic Apples but are willing to pay more for Organic Apples than Local Apples. Another conclusion that can be drawn is that this survey indicates that there is a huge profit margin for retailers as consumers are willing to pay more for organic apples than the average market price for the apples.</p>