scholarly journals Research into the Mechanism for the Impact of Climate Change on Systemic Risk—A Case Study of China’s Small- and Medium-sized Commercial Banks

2020 ◽  
Vol 12 (22) ◽  
pp. 9582
Author(s):  
Yongping Liu ◽  
Chunzhong Huang ◽  
Zongbao Zou ◽  
Qiao Chen ◽  
Xuan Chu
Keyword(s):  
Climate Change ◽  
Systemic Risk ◽  
Commercial Banks ◽  
Financial Stability ◽  
Human Society ◽  
Average Temperature ◽  
Net Interest Margin ◽  
Two Factors ◽  
Positive Meaning ◽  
The Impact

Climate change is one of the gravest threats facing human society today, as well as an important factor for financial stability. This study takes 11 small- and medium-sized listed banks as subjects, measures the banks’ systemic risk using the CoVaR model and climate change using daily average temperature, and explores the mechanism between these two factors. Additionally, it investigates the influence of climate change on systemic risk in commercial banks through intermediary variables (e.g., commercial banks’ loan-deposit ratio, NPL ratio, and net interest margin). The results are as follows: (1) There is a positive correlation between climate change and systemic risk in banks within the confidence interval. (2)The indirect effect of climate change on systemic risk in banks through the NPL ratio is significantly positive, meaning that climate warming increases the NPL ratio and therefore increases the banks’ systemic risk.

scholarly journals The Impact of Brand Equity on Conversion Behavior in the Use of Personal Banking Services: Case Study of Commercial Banks in Vietnam

2021 ◽  
Vol 14 (8) ◽  
pp. 346
Author(s):  
Thi Thu Cuc Nguyen
Keyword(s):  
Brand Equity ◽  
Commercial Banks ◽  
Structural Equation ◽  
Quantitative Research ◽  
Negative Impact ◽  
Banking Services ◽  
Quantitative Research Methods ◽  
Two Factors ◽  
Customer Services ◽  
The Impact

The brand equity of banks plays a crucial role in determining customer behavior of using their services. The study aims to examine the impact of brand equity on conversion behavior in the use of personal banking services at commercial banks in Vietnam. The paper uses quantitative research methods, through linear SEM (Structural Equation Modelling) analysis, with survey data including 554 samples of individual customers of commercial banks. The study’s findings show that the bank’s brand equity has a negative impact on the behavior of individual customers. In the relationship between these two factors, competitive advertising effectiveness and loyalty of customers act as intermediary factors. On that basis, the study makes a number of recommendations to preclude customers leaving and minimize business losses caused by the conversion of customers’ banks. The findings of this study have shown the importance and impact of brand equity on conversion behavior in the use of personal customer services. These are meaningful contributions both theoretically and practically to help banks get a deeper insight into brand equity and the need to pay attention to building and developing sustainable brand equity for the bank, as well as an important basis for further research.

The impact of credit risk on the financial stability of commercial banks in Vietnam

2021 ◽  
Vol 11 (2) ◽  
pp. 67-80
Author(s):  
Nguyen Quoc Anh ◽  
Duong Nguyen Thanh Phuong
Keyword(s):  
Credit Risk ◽  
Commercial Banks ◽  
Financial Stability ◽  
Dynamic Panel Data ◽  
Z Score ◽  
Return On Equity ◽  
Score Analysis ◽  
Negative Effect ◽  
The Difference ◽  
The Impact

This study investigates the impact of credit risk on the financial stability of Vietnamese commercial banks. The paper uses the Z-score to proxy the financial stability of banks. We use the data of 27 Vietnamese commercial banks on BankScope, during 2010 - 2019. The paper applied a dynamic panel data approach; the selected method is the difference GMM (DGMM). The key question discussed is which factor impacts on Z-score. Analysis results show the negative effect of non-performing loans on the financial stability of banks. When commercial banks have higher non-performing loans, the lower the financial stability is. Additionally, bank-specific variables such as equity on asset ratio, the return on equity, the size of the bank and set of macroeconomic variables affect the bank’s financial stability. Based on the analysis results, we imply relevant policies for the State Bank of Vietnam and commercial banks.

scholarly journals Community Adaptation Model of Food Security Due to Global Warming in Kulon Progo

2017 ◽  
Author(s):  
Sri Rum Giyarsih
Keyword(s):  
Climate Change ◽  
Global Warming ◽  
Food Security ◽  
Survey Methods ◽  
Secondary Data ◽  
Primary Data ◽  
Structured Interviews ◽  
Intergovernmental Panel ◽  
Average Temperature ◽  
The Impact

Global warming is the increase in the average temperature of the Earth’s surface. According to the IPCC (Intergovernmental Panel on Climate Change) average temperature of the Earth’s surface was global warming is the increase in the average temperature of the 0.74 ± 0.18 0C (1.33 ± 0.32 F) over the last hundred years. The impact of rising temperatures is the climate change effect on agricultural production. If the community does not craft made adaptation to global warming will have an impact on food security. This research aims to know the society’s adaptation to food security as a result of global warming and to know the influence of global warming on food security. The research was carried out based on survey methods. The influence of global warming on food security is identified with a share of household food expenditure and the identification of rainfall. Sampling was done by random sampling. The Data used are the primary and secondary data. Primary Data obtained through structured interviews and depth interview using a questionnaire while the secondary data retrieved from publication data of the Central Bureau Statistics B(BPS), Department of Agriculture and Climatology Meteorology and Geophysics (BMKG). The expected results of the study is to know variations of food security due to global warming in Kulon Progo Regency. Comprehensive knowledge through community participation and related Government increased food security that is used as the basis for drafting the model society’s adaptation to the impacts of global warming.

scholarly journals Impacts of Storm Surges on a Changing Climate: a Global Bibliometric Analysis of the Coastal Zone

2021 ◽  
Author(s):  
Karine Bastos Leal ◽  
Luís Eduardo de Souza Robaina ◽  
André de Souza De Lima
Keyword(s):  
Climate Change ◽  
Bibliometric Analysis ◽  
Coastal Zone ◽  
Storm Surges ◽  
R Package ◽  
The United States ◽  
Average Temperature ◽  
The United Kingdom ◽  
The Impact ◽  
Coastal Research

Abstract An increase in the global mean sea is predicted during the 21st century as a consequence of global average temperature projections. In addition, changes in the strength of atmospheric cyclonic storms may alter the development of storm surges, exacerbating the risks to coastal communities. Based on the fact that the interest and range of papers are growing on this topic, this study aims to present the global scientific production status of studies that have correlated climate change and the impact of storm surges on the coastal zone leading to erosion and flooding (inundation) via a bibliometric analysis. We analyzed 429 papers published in journals between 1991 and February 2021 from the Scopus database. Through the VOSviewer and Bibliometrix R package, we describe the most relevant countries, affiliations, journals, authors, and keywords. Our results demonstrate that there has been an exponential growth in the research topic, and that authors from the United States and the United Kingdom are the most prolific. Among the 1454 authors found, 10 researchers published at least 5 papers on the topic and obtained at least 453 citations in the period. The most represented journals were the Journal of Coastal Research, Climatic Change, and Natural Hazards. We also found, and discuss, the lack of standardization in the choice of keywords, of which climate change, storm surge, and sea level rise are the most frequent. Finally, we have written a guide to facilitate the authors' bibliographic review.

scholarly journals Climatic Trends in Different Bioclimatic Zones in the Chitwan Annapurna Landscape, Nepal

Climate ◽  
2020 ◽  
Vol 8 (11) ◽  
pp. 136
Author(s):  
Dol Raj Luitel ◽  
Pramod K. Jha ◽  
Mohan Siwakoti ◽  
Madan Lall Shrestha ◽  
Rangaswamy Munniappan
Keyword(s):  
Climate Change ◽  
Time Series Data ◽  
Lapse Rate ◽  
Series Data ◽  
Average Temperature ◽  
Temperature And Precipitation ◽  
Average Annual Temperature ◽  
Bioclimatic Zone ◽  
The Impact ◽  
Precipitation Trends

The Chitwan Annapurna Landscape (CHAL) is the central part of the Himalayas and covers all bioclimatic zones with major endemism of flora, unique agro-biodiversity, environmental, cultural and socio-economic importance. Not much is known about temperature and precipitation trends along the different bioclimatic zones nor how changes in these parameters might impact the whole natural process, including biodiversity and ecosystems, in the CHAL. Analysis of daily temperature and precipitation time series data (1970–2019) was carried out in seven bioclimatic zones extending from lowland Terai to the higher Himalayas. The non-parametric Mann-Kendall test was applied to determine the trends, which were quantified by Sen’s slope. Annual and decade interval average temperature, precipitation trends, and lapse rate were analyzed in each bioclimatic zone. In the seven bioclimatic zones, precipitation showed a mixed pattern of decreasing and increasing trends (four bioclimatic zones showed a decreasing and three bioclimatic zones an increasing trend). Precipitation did not show any particular trend at decade intervals but the pattern of rainfall decreases after 2000AD. The average annual temperature at different bioclimatic zones clearly indicates that temperature at higher elevations is increasing significantly more than at lower elevations. In lower tropical bioclimatic zone (LTBZ), upper tropical bioclimatic zone (UTBZ), lower subtropical bioclimatic zone (LSBZ), upper subtropical bioclimatic zone (USBZ), and temperate bioclimatic zone (TBZ), the average temperature increased by 0.022, 0.030, 0.036, 0.042 and 0.051 °C/year, respectively. The decade level temperature scenario revealed that the hottest decade was from 1999–2009 and average decade level increases of temperature at different bioclimatic zones ranges from 0.2 to 0.27 °C /decade. The average temperature and precipitation was found clearly different from one bioclimatic zone to other. This is the first time that bioclimatic zone level precipitation and temperature trends have been analyzed for the CHAL. The rate of additional temperature rise at higher altitudes compared to lower elevations meets the requirements to mitigate climate change in different bioclimatic zones in a different ways. This information would be fundamental to safeguarding vulnerable communities, ecosystem and relevant climate-sensitive sectors from the impact of climate change through formulation of sector-wise climate change adaptation strategies and improving the livelihood of rural communities.

scholarly journals Capital adequacy ratio and a bank’s financial stability in Vietnam

2021 ◽  
Vol 16 (4) ◽  
pp. 61-71
Author(s):  
Nguyen Minh Sang
Keyword(s):  
Commercial Banks ◽  
Financial Stability ◽  
Generalized Method Of Moments ◽  
Capital Adequacy ◽  
Policy Implications ◽  
Ho Chi Minh City ◽  
Loan Loss ◽  
Control Variables ◽  
Capital Adequacy Ratio ◽  
The Impact

The objective of this study is to provide more empirical evidence on the impact of the capital adequacy ratio, as well as control and micro variables, on the financial stability of commercial banks in emerging markets such as Vietnam. The study analyzes the impact of the capital adequacy ratio on the financial stability of 18 Vietnamese commercial banks in the period 2010–2020 using the Generalized method of moments (GMM) model. Empirical research results show that the capital adequacy ratio has a positive correlation with the financial stability of Vietnamese commercial banks during the study period. Besides, the study also uses control variables such as Profitability through ROA and ROE, Bank Size (SIZE), Loans to Assets Ratio (LTA), Deposits to Assets Ratio (DTA), and Loan Loss Ratio (LLR), to analyze their impact on the financial stability of Vietnamese commercial banks. Based on the above results, the study proposes some policy implications to enhance the financial stability of Vietnamese commercial banks using the capital adequacy ratio and the control variables from the GMM model that are statistically significant. The paper also pointed out four limitations of the study in terms of data, research samples, methods and research models, so that further research can be more complete. AcknowledgmentThe author wishes to acknowledge support from the Banking University of Ho Chi Minh City. This research was made possible thanks to all valuable support from relevant stakeholders.

scholarly journals The impact of climate change on the resin productivity of dammar tree (Agathis alba) in Inamosol subdistrict, West Seram district, Maluku-Indonesia

2021 ◽  
Vol 883 (1) ◽  
pp. 012079
Author(s):  
J M Matinahoru
Keyword(s):  
Climate Change ◽  
Relative Humidity ◽  
Sampling Technique ◽  
Climate Data ◽  
Purposive Sampling ◽  
Impact Of Climate Change ◽  
Average Temperature ◽  
Change Factors ◽  
Temperature And Humidity ◽  
The Impact

Abstract This research was aimed to determine the impact of climate change on the resin productivity of dammar tree. This research will be useful as data and information for farmers and government to maintain the resin of dammar tree to be optimal and sustainable in production. This research was conducted in Inamosol Sub-district, West Seram District, Maluku Indonesia, during September-October 2020. Village and farmer samples were determined by purposive sampling technique. The selected villages were Honitetu, Hukuanakota and Rambatu. Furthermore, from each village, It was ten farmers to select for interviews and filling the questionnaire. The results showed that the average resin production of farmers in 2019 was 904.2 kg/farmer, while in 2020 was 523.7 kg/farmer. This means that it occurred a decline in resin production in 2020 about 42.08 % for each farmer—the leading cause of the decreased production as climate change factors, namely rainfall, temperature and humidity. Based on climate data of West Seram District in 2019 indicated that rainfall has occurred during six months with an average temperature of 27 °C and relative humidity of 82 %. Meanwhile, in 2020 the rainfall occurs for nine months with an average temperature of 26.5 °C, and relative humidity of 85 %.

scholarly journals Climatic Trend in Different Bioclimatic Zones in Chitwan Annapurna Landscape, Nepal

2020 ◽  
Author(s):  
Dol Raj Luitel ◽  
Pramod Kumar Jha ◽  
Mohan Siwakot ◽  
Madan Lall Shrestha ◽  
Rangaswamy Munniappan
Keyword(s):  
Climate Change ◽  
Time Series Data ◽  
Lapse Rate ◽  
Series Data ◽  
Precipitation Trend ◽  
Climatic Trend ◽  
Average Temperature ◽  
Average Annual Temperature ◽  
Bioclimatic Zone ◽  
The Impact

Abstract Depending upon altitudinal gradient in the Himalayas, the rate of climate change varies from lowland to upland. The Chitwan Annapurna Landscape (CHAL) is the central part of the Himalayas and covers all bioclimatic zones. Analysis of time series data (1970-2019) of temperature and precipitation was carried out in seven bioclimatic zones extending from lowland Terai to higher Himalayas. The non-parametric Mann-Kendall test was applied to determine the trend, which was quantified by Sen’s slope. Annual and decade interval average temperature, precipitation trends, and lapse rate were analyzed in each bioclimatic zone. Out of seven bioclimatic zones, four zones showed a decreasing precipitation trend (lower tropical, upper tropical, upper subtropical, and alpine bioclimatic zones)at the rate of 1.8, 1.98, 2.06, and 1.80 mm/year, and in lower sub-tropical, temperate, and lower subalpine bioclimatic zones, increasing at the rate of 0.45, 1.81 and 1.28mm/year, respectively. Precipitation did not show any particular trend at decade intervals. The average annual temperature at different bioclimatic zones clearly indicates that temperature at higher elevations is significantly increasing more than at lower elevations. In lower tropical bioclimatic zone (LTBZ), upper tropical bioclimatic zone(UTBZ), lower subtropical bioclimatic zone (LSBZ), upper subtropical bioclimatic zone(USBZ), and temperate bioclimatic zone(TBZ), the average temperature increased by 0.022, 0.030, 0.036, 0.042 and 0.051oC/year, respectively. The decade level temperature scenario revealed that the hottest decade was from 1999-2009. The average temperature was found as 24.1, 21.8, 19.7, 17.5, and 13.3oC in LTBZ, UTBZ, LSBZ, USBZ, and TBZ, respectively, and the average annual precipitation in LTBZ, UTBZ, LSBZ, USBZ, TBZ, LBZ, and ABZ was 2002.1, 2613.1, 2223.9, 3146.9, 1447.2, 952.1, and 361.7mm/year, respectively, in CHAL. With the impact of climate change site and region-specific, this information highlights the need to mitigate climate change in different bioclimatic zones.

scholarly journals In Niger, the Expected Futur Climate Will Provide Better Conditions than the Current One to Diospyros Mespiliformis Hochst. ex A.DC. Rich.

2020 ◽  
Vol 10 (3) ◽  
pp. 16
Author(s):  
Ado ALI ◽  
Laouali ABDOU ◽  
Maman Maârouhi INOUSSA ◽  
Josiane SEGHIERI ◽  
Ali MAHAMANE
Keyword(s):  
Climate Change ◽  
Climatic Variability ◽  
Plant Resources ◽  
Climate Conditions ◽  
Average Temperature ◽  
Principle Of Maximum Entropy ◽  
Current Climate ◽  
Human Use ◽  
The Impact ◽  
Principle Of Maximum

The human use of plant resources and land to face increasing population needs in Africa to the regression or even the disappearance of some useful multi-purpose species such as Diospyros mespiliformis Hochst. Ex A. Rich. Increasing climatic variability is an additional threat for these species. The present study aims to identify the areas that are potentially favorable to D. mespiliformis conservation or regeneration in Niger and to analyze the impact of the current climate change. Thus to assess the D. mespiliformis distribution areas, the geographic coordinates of D. mespiliformis, the bioclimatic data, the soil and vegetation cover were collected and used to modeling based on the principle of maximum entropy (MaxEnt). The soil cover, annual cumulated precipitations and the average temperature are the most determining variables. This study also shows that the ecological niche of D. mespiliformis is located in the Central and Eastern bioclimates, within which almost 3% of the surface is very favorable under the current climate conditions and may reach 3. 94 % under 2050 ones after. These results indicate that the climate change expected in Niger is expected to be more favorable to the studied species than the current climate conditions. This represents an opportunity for its domestication.

scholarly journals The Influence of Climate Change on the Environment of the Mirzachul Natural Territory

2021 ◽  
Vol 01 (01) ◽  
pp. 20-24
Author(s):  
Meliboy Normatovich Kamolov ◽  
◽  
Sunnatillo Ibragimov ◽  
Keyword(s):  
Climate Change ◽  
Air Temperature ◽  
Average Temperature ◽  
Natural Region ◽  
The Impact ◽  
Natural Territory

This article discusses the impact of climate and its components on environmental landscapes in the Mirzachul natural region. Due to this, in December and January the air temperature decreased to -340S (Mirzachul), -320S (Nurata, Jizzakh), -290 C (Forish). However, the average temperature in January is not lower than -0.10S (Forish), -0.60S (Jizzakh), -1.60S (Nurota).

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