Bank

银行
  • 文章类型: Journal Article
    我们旨在评估危险人群中弓形虫免疫球蛋白的唾液和血清阳性率,并评估靶向TgERP的药物对接。在亚历山大大学医院的门诊诊所进行了一项横断面研究。从2022年9月至2023年11月,共有192名参与者参加。ELISA法测定血清和唾液中抗弓形虫IgG和IgM。Silico研究检查了TgERP蛋白-蛋白相互作用(PPI)与促炎细胞因子受体,抗炎细胞因子,细胞周期进程调节蛋白,增殖标记,和核包膜完整性相关蛋白LaminB1。我们的发现揭示了反T.血清(66.1%)和唾液(54.7%)中检测到刚地IgG,2.1%的样本IgM阳性。唾液IgG有75.59%的敏感性,86.15%特异性,91.40%PPV,64.40%NPP,准确度为79.17%,与血清IgG相当。另一方面,灵敏度,特异性,PPV,NPV,检测唾液IgM的准确率为75.0%,99.47%,75.0%,99.47%,98.96%。AUC0.859表示良好的鉴别力。经过检查的合成药物和天然产物可以靶向TgERP的特定氨基酸残基,这些残基位于与LB1和Ki67相同的结合界面上,阻碍他们的互动。因此,唾液样本可能是一种有前途的诊断方法.所研究的药物可以抵消TgERP的促炎作用。
    We aimed to assess salivary and seroprevalence of Toxoplasma immunoglobulins in risky populations and evaluate drug docking targeting TgERP. A cross-sectional study was conducted in Alexandria University hospitals\' outpatient clinics. 192 participants were enrolled from September 2022 to November 2023. Anti-Toxoplasma IgG and IgM were determined in serum and saliva by ELISA. An in-Silico study examined TgERP\'s protein-protein interactions (PPIs) with pro-inflammatory cytokine receptors, anti-inflammatory cytokine, cell cycle progression regulatory proteins, a proliferation marker, and nuclear envelope integrity-related protein Lamin B1. Our findings revealed that anti-T. gondii IgG were detected in serum (66.1%) and saliva (54.7%), with 2.1% of both samples were positive for IgM. Salivary IgG had 75.59% sensitivity, 86.15% specificity, 91.40% PPV, 64.40% NPP, 79.17% accuracy and fair agreement with serum IgG. On the other hand, the sensitivity, specificity, PPV, NPV, and accuracy in detecting salivary IgM were 75.0%, 99.47%, 75.0%, 99.47%, and 98.96%. AUC 0.859 indicates good discriminatory power. Examined synthetic drugs and natural products can target specific amino acids residues of TgERP that lie at the same binding interface with LB1 and Ki67, subsequently, hindering their interaction. Hence, salivary samples can be a promising diagnostic approach. The studied drugs can counteract the pro-inflammatory action of TgERP.
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  • 文章类型: Journal Article
    倦怠经常被误解为压力,然而,当管理不善时,这是压力的后果之一。压力会导致忧虑,能量损失,主要损伤是物理损伤。然而,倦怠的特点是脱离接触,情绪钝化,从而助长无助和绝望,导致脱离和沮丧,失去动力和理想,主要损害是情感。
    找出Meerut区银行官员中压力和倦怠的患病率和严重程度,并找出这两个参数之间的相关性。
    我们的研究通过计算机随机表法通过简单随机抽样选择银行。Further,官员级银行雇员被要求收集数据。预先验证的七分李克特量表Shriom-Melamed倦怠问卷用于评估倦怠。通过EPIInfo和MicrosoftExcel2013使用适当的统计检验对数据进行分析。
    19.7%的银行职员有病态倦怠,其次是55.1%的银行职员处于发展倦怠的边缘。仅在7.9%的银行官员中发现了严重的压力,而职业倦怠则占19.4%。应激与倦怠之间呈正相关。
    发现压力和工作倦怠有联系,但并不完全重叠,工作倦怠风险很高的人只经历中等压力。因此,感知压力不能被视为倦怠风险的唯一指标。
    UNASSIGNED: Burnout is often misconstrued for stress, whereas it is one of the consequences of stress when not managed prosperously. Stress leads to apprehensiveness, loss of energy, and the primary damage is physical. Whereas, burnout is characterized by disengagement where emotions are blunted thus fostering helplessness and hopelessness leading to detachment and despondence, loss of motivation and ideals with the primary damage being emotional.
    UNASSIGNED: To find out the prevalence and severity of stress and burnout among bank officers in Meerut District and to find the correlation between the two parameters.
    UNASSIGNED: Banks were selected by simple random sampling through computer random table method for our study. Further, officer grade bank employees were approached for data collection. A prevalidated seven-point Likert scale Shriom-Melamed Burnout Questionnaire was used for the assessment of burnout. Data were analyzed using appropriate statistical tests by EPI Info and Microsoft Excel 2013.
    UNASSIGNED: 19.7% bank officers have pathological burnout followed by 55.1% of bank officers who are at the brink of developing burnout. Severe stress was found only among 7.9% bank officers, whereas burnout was present in 19.4%. A positive correlation was found between stress and burnout.
    UNASSIGNED: It was found that stress and job burnout are linked but do not entirely overlap, with individuals having a high risk of job burnout experiencing only moderate stress. Therefore, perceived stress cannot be taken as the only indicator of risk of burnout.
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  • 文章类型: Journal Article
    欧盟人工智能法规(AI法案)是一项旨在规范的横向法律文书,根据量身定制的基于风险的方法,在多个部门开发和使用人工智能系统,包括金融部门。特别是,用于评估自然人信用或建立信用评分的AI系统被归类为“高风险AI系统”。提案,由委员会于2021年4月提交,目前正处于欧洲立法机构两个分支之间激烈的机构间谈判的中心,欧洲议会和理事会。在不影响正在进行的立法审议的情况下,该文件旨在概述委员会在金融部门监管人工智能方面的主要要素和选择,以及欧洲议会和理事会在这方面采取的立场。
    The proposal for the Artificial Intelligence regulation in the EU (AI Act) is a horizontal legal instrument that aims to regulate, according to a tailored risk-based approach, the development and use of AI systems across a plurality of sectors, including the financial sector. In particular, AI systems intended to be used to evaluate the creditworthiness or establish the credit score of natural persons are classified as \"high-risk AI systems\". The proposal, tabled by the Commission in April 2021, is currently at the center of intense interinstitutional negotiations between the two branches of the European legislature, the European Parliament and the Council. Without prejudice to the ongoing legislative deliberations, the paper aims to provide an overview of the main elements and choices made by the Commission in respect of the regulation of AI in the financial sector, as well as of the position taken in that regard by the European Parliament and Council.
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  • 文章类型: Journal Article
    与中小企业的关系银行(RB)已被视为一刀切,在微观、小,和中型企业。然而,最近的研究清楚地确定了三个不同水平的RB取决于变量,如企业的规模和复杂性和借款金额。在这项研究中,我们创建了这个基本三叉戟的原始模型,用数学术语作为假设和推论的系统,从供应/银行端捕捉三个RB级别的结构和动态。该模型系统地显示并描述了三个RB级别的存在。Further,它强调了这些级别中的每个级别如何取决于决定变量,以及如何根据每个决定变量的人均贡献在三个级别之间进行比较,反过来,人均RB服务生产。我们的模型提供了一个分析框架,可以帮助银行和研究人员分别或与其他级别进行比较,对每个级别进行严格的评估和研究。它也是有益的,因为它可用于计算银行有限资源在三个级别的RB之间的最佳分配,并为所有利益相关者实现最大的价值创造。
    Relationship banking (RB) with SMEs has been approached as a one-size-fits-all where no differences exist between micro, small, and medium businesses. Nevertheless, recent research has clearly identified three distinct levels of RB depending on variables such as the size and complexity of the business and the amount of borrowing. In this study, we create an original model of this fundamental trident, presented as a system of postulates and inferences in mathematical terms, to capture the structure and dynamics of the three RB levels from the supply/bank side. The model systematically shows the existence of and describes the three RB levels. Further, it highlights how each of these levels is dependent on the determinant variables and how a comparison between the three levels is possible based on the per-capita contribution of each of the determinant variables, in turn, to the per-capita RB service production. Our model provides an analytical framework that can assist banks and researchers to rigorously assess and study each level separately or in comparison to the others. It is also beneficial as it can be used to calculate the optimal allocation of the bank\'s limited resources among the three levels of RB and to achieve maximum value creation for all stakeholders.
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  • 文章类型: Journal Article
    冠状病毒的传播已成为当前世界面临的挑战之一。在工作场所实施健康协议,同时通知面对这些协议的人,已经成为一个至关重要的问题。
    这项研究的目的是确定对健康协议的遵守程度并测量意识水平,银行员工面对Covid-19时的态度和表现。
    数据收集工具包括一份清单和两份问卷(人口统计信息和另一份关于意识的问卷,银行工作人员对冠状病毒的态度和表现)。
    共有来自25个银行分支机构的199名银行员工参加了这项研究。结果显示,在24%的银行分行中,工作人员没有使用口罩。100%的研究银行分行缺乏适当的通风。女性员工的平均知晓率(94.3)明显高于男性员工的知晓率(87.7)。此外,女性员工的绩效(93.2)明显优于男性员工(87.2)。
    结果表明,要在控制和减少银行员工和其他工人的covid-19疾病方面取得适当的绩效,这些项目值得注意:(1)提供和培训正确使用防护设备,包括口罩。(2)监测严格执行卫生规程。因此,由于这种疾病的新现象,有必要保持最新的培训和信息。
    The spread of the coronavirus has become one of the current challenges in the world. Implementing health protocols in the workplace along with informing people who face them, has become a vital issue.
    The purpose of this study was to determine the level of compliance with health protocols and measure the level of awareness, attitude and performance of bank employees while facing Covid-19.
    The data collection tool included a checklist and two questionnaires (demographic information and the other on the awareness, attitude and performance of bank staff) regarding the coronavirus.
    A total of 199 bank employees from 25 bank branches participated in the study. The results showed that in 24% of the bank branches, the staff did not use face masks. And 100% of the studied bank branches lacked proper ventilation. The mean awareness scores of female employees (94.3) were significantly higher than those of male employees (87.7). Also, the performance of female employees (93.2) was significantly better than male employees (87.2).
    The results showed that to achieve proper performance in controlling and reducing the covid-19 disease among bank employees and other workers, these items are noteworthy: (1) Providing and training the correct use of protective equipment including face masks. (2) Monitoring for strict implementation of health protocols. Therefore, it is necessary to keep training and information up-to-date due to the new phenomena of this disease.
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  • 文章类型: Journal Article
    银行面临许多难以计算的无形风险。战略风险是影响银行盈利能力的最关键因素之一,财政实力,商业上的成功。短期内风险对利润的影响可能不大。尽管如此,从中长期来看,它可能变得非常重要,有可能造成巨大的财务损失和损害银行稳定性。因此,战略风险管理是一项重要的工作,必须按照新巴塞尔协议框架下的规则进行。战略风险分析是一个相对较新的研究企业。当前的文献解决了管理这种风险的需要,并将其与经济资本的概念联系起来,一家公司为承受这种风险而应该持有的资本数额。然而,尚未制定行动计划。本文试图通过对不同战略风险因素的概率和影响进行数学分析来解决这一差距。具体来说,我们开发了一种方法来计算银行风险资产的战略风险指标。此外,我们提出了一种将这一指标纳入资本充足率计算的方法。
    Banks face many intangible hazards that are difficult to calculate. Strategic risk is one of the most critical factors affecting a bank\'s profitability, financial strength, and commercial success. The impact of risk on profit may be insignificant in the short term. Still, it may become highly significant in the medium and long term, with the potential to cause substantial financial losses and impair bank stability. Hence, strategic risk management is an important endeavor that must be carried out according to the rules set out under the Basel II framework. Analysis of strategic risk is a relatively new research enterprise. The current literature addresses the need to manage this risk and links it to the concept of economic capital, the amount of capital that a company should hold to survive such a risk. However, an action plan has yet to be produced. This paper attempts to address this gap by providing a mathematical analysis of the probability and effect of different strategic risk factors. Specifically, we develop a methodology for calculating a metric of strategic risk in terms of a bank\'s risk assets. Furthermore, we suggest a way of integrating this metric into the calculation of the capital adequacy ratio.
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  • 文章类型: Journal Article
    本研究的目的是为银行业(GIB。X62)基于与董事会相关的62项标准和7项内部绩效指标,内部审计,补偿,风险管理,提名,合规,伦理,透明度和披露。新的指数模型应用于美国7家不同的银行,法国,西班牙,意大利,黎巴嫩,2021年埃及和约旦。国际银行可以推广和应用GIBX(62)来衡量其公司治理效率。此外,GIBX(62)可供股东使用,国家和国际一级的存款人和监管机构,以监测银行业公司治理实践的过程。
    The purpose of this research is to define a new international corporate governance index for the banking sector (GIB.X62) based on 62 criteria and 7 internal performance indicators related to board of directors, internal audit, compensation, risk management, nomination, compliance, ethics, transparency and disclosure. The new index model was applied on 7 different banks from US, France, Spain, Italy, Lebanon, Egypt and Jordan in 2021. The GIBX(62) can be generalized and applied by the international banks to measure their corporate governance efficiency. In addition, the GIBX(62) can be used by shareholders, depositors and regulators at the national and international level to monitor the process of corporate governance practices in banking sector.
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  • 文章类型: Journal Article
    借鉴先前关于动态能力视图(DCV)的文献,我们研究了数据分析能力(BDAC)对组织灵巧性的影响,以及马来西亚银行业勘探与开发之间的矛盾紧张关系。尽管银行通常被认为是成熟的商业组织,他们并非没有关于技术进步和组织变革以获得长期竞争力的问题。通过使用马来西亚162名银行经理的数据进行统计分析,证实了BDAC对组织灵巧性的两个矛盾方面有积极的影响(即,探索性动态能力和剥削性动态能力),探索性动态能力也调解了BDAC与剥削性营销能力之间的正相关关系。这些发现为研究人员和银行经理提供了有关如何在当前数字时代获得可持续竞争进步的有意义的见解。
    Drawing on previous literature on dynamic capability view (DCV), we examine the effects of data analytics capabilities (BDAC) on organizational ambidexterity and the paradoxical tensions between exploration and exploitation in the Malaysian banking sector. Although banks are often considered as mature commercial organizations, they are not free of issues concerning technological advancement and organizational changes for long-term competitiveness. Through statistical analysis by using data from 162 bank managers in Malaysia, it is confirmed that BDAC positively influences the two contradictory aspects of organizational ambidexterity (i.e., explorative dynamic capabilities and exploitative dynamic capabilities), and explorative dynamic capabilities also mediate the positive relationship between BDAC and exploitative marketing capabilities. The findings provide meaningful insights to researchers and bank managers on how to obtain sustainable competitive advances in the current digital era.
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  • 文章类型: Journal Article
    UNASSIGNED:目的是确定影响银行和小额信贷机构拖欠率的变量,在使用面板数据模型的2015年至2020年期间,考虑到在秘鲁的银行和金融机构注册的信息。
    未经评估:使用的方法设计是定量的,不是实验性的,用描述性的相关设计,应用对每个金融机构的数据面板的分析(多银行,市政储蓄银行),观察同一个体随时间的行为。
    UNASSIGNED:确定小额信贷机构的拖欠行为对贷款拖欠产生重大影响,宏观经济变量,如微观经济变量,确实决定了准备金等不良率,分析师的效率,财务收入,本国货币流动性,国内生产总值增长率,和失业水平,无论是对于银行还是市政储蓄和信贷银行,解释研究变量在银行系统中占84.30%,在金融系统中占48.95%。
    UNASSIGNED:宏观经济和微观经济变量是金融机构拖欠程度的决定因素。
    UNASSIGNED: The objective was to identify the variables that affect the delinquency rate in banking and microfinance institutions, between the periods 2015 and 2020, for which panel data models were used, considering the information registered in the banking and financial institutions to the level of Peru.
    UNASSIGNED: The methodological design used is quantitative, not experimental, with a descriptive-correlational design, applying the analysis of the data panel for each financial institution (Multiple Banking, Municipal Savings Banks), to observe the behavior over time for the same individuals.
    UNASSIGNED: It was determined that the behavior of the delinquency of microfinance institutions is having significant effects on the delinquency of loans, and macroeconomic variables like microeconomic variables do determine delinquency rates such as provisions, efficiency of analysts, financial income, liquidity in national currency, growth rate of Gross Domestic Product, and the level of unemployment, both for banks and for municipal savings and credit banks, explaining the study variables in 84.30% in the banking system and in 48.95% in the financial system with respect to delinquency.
    UNASSIGNED: Macroeconomic and microeconomic variables are determining factors for the level of delinquency in financial institutions.
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  • 文章类型: Journal Article
    作为中国领先的金融机构,商业银行关注环境保护至关重要(E),社会责任(S),和公司治理(G),以提高运营效率,推进国家社会经济的高质量发展。本研究将银行的市场份额作为利润阶段和市场与可持续性阶段的外生变量,考察中国20家上市银行2016-2020年的效率,并创新性地纳入绿色信贷等指标,社会给予,高管薪酬,并将ESG评分纳入外生变量DEA模型下的元动态两阶段SBM。结果证明如下。(1)通过将市场份额作为外生变量整合到模型中,效率估计更精确。(2)总的来说,UCB是最有效的银行类型,JSCBs是第二个,SOCB效率最低。与市场和可持续性阶段相比,这三种类型的银行在利润阶段的效率更高,JSCBs在盈利阶段表现最好,SOCB在市场和可持续发展阶段表现最佳。三种不同的银行类型的TGR性能与其效率值性能相当。(3)SOCB由于其独特的国有背景,在ESG投资方面领先,ESG表现最好。他们不断致力于利润最大化,无视社会责任和可持续发展,JSCB的ESG性能最差。(4)根据研究结果对商业银行提出政策建议,利益相关者,和监管机构支持ESG投资,实现长期可持续发展。最后,随着ESG在中国的发展,未来的研究可以考虑更长的时间尺度和更大的视角来研究商业银行自身的可持续性效率,以及它们在当地经济和产业转型中的作用。
    As the leading financial institutions in China, it is crucial for commercial banks to pay attention to environmental protection (E), social responsibility (S), and corporate governance (G) in order to enhance operational efficiency and to advance the high-quality development of the country\'s social economy. This research explores the market share of banks as exogenous variables in the profit stage and the market and sustainability stage to investigate the efficiency of 20 listed banks in China over 2016-2020 and innovatively incorporates indicators such as green credit, social giving, executive compensation, and ESG score into the meta-dynamic two-stage SBM under the exogenous variable DEA model. The results demonstrate the following. (1) By integrating market share as an exogenous variable in the model, the efficiency estimate is more precise. (2) In overall, UCBs are the most efficient type of banks, JSCBs are the second, SOCBs are the least efficient. All three types of banks are more efficient in profit stage versus the market and sustainability stage, JSCBs perform best in the profit stage, where SOCBs perform best in the market and sustainability stage. The three different bank types\' TGR performance is comparable to their efficiency value performance. (3) SOCBs lead in ESG investment and have the best ESG performance due to their distinct state-owned background. With their ongoing dedication to profit maximization and disregard for social responsibility and sustainable development, JSCBs have the worst ESG performance. (4) Policy recommendations are made based on the study\'s findings for commercial banks, stakeholders, and regulators to support ESG investment and to bring about long-term sustainable development. Finally, as ESG develops in China, future research can consider longer time scales and larger perspectives to investigate the sustainability efficiency of commercial banks themselves, as well as their role in the local economy and industrial transformation.
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