bluuebunny/crossref_metadata_2025 huggingface dataset:
Business Strategy and Risk Analysis in Healthcare Economy: A Case Study of Johnson & Johnson
Authors: Qiao Yutong
Published: May 2023

Johnson & Johnson is the world’s largest diversified healthcare and consumer care company. Listed as one of the world’s top 500 companies in 2022. The researchers found that JNJ was one of the most successful companies to grow from a startup, and Johnson & Johnson remained at the forefront. However, there is still a research gap in the analysis of the specific reasons behind the success and the business problems faced in recent years. Therefore, this study first introduces the development of Johnson & Johnson, reviews the existing research literature and combined with charts to elaborate the views and results. Analyzing JNJ’s business strategy and risk measures, make suggestions on future development prospects or proposed solutions to problems faced by the company in recent years. Finally, the study holds the viewpoint that Johnson & Johnson is still the most potential pharmaceutical company in the future development of the medical industry.
Multiple Machine Learning Models on Credit Card Fraud Detection
Authors: Dai Minjun
Published: May 2023

Nowadays, there is a huge increase in digital financial fraud as a result of the widespread usage of credit cards for online purchases. Therefore, a credit card fraud detection method with high accuracy, minimizing the risk of losing money when the transaction occurs, becomes imperative. The study first processed a synthetic data set, discarding useless features, using one hot encoding to convey categorical information to numerical ones and separating the training and testing datasets. Based on the new formed datasets, the study built three Machine Learning (ML) models for fraud detection, which are the Support Vector Machine (SVM) model, the logistic regression model and the decision tree model, respectively. Next, the study implemented on training these three models by fitting the model on training datasets and predicting the test data in testing datasets. Lastly, the heatmap named confusion matrix was provided to visualize the outcomes, indicating the accuracy of each model. Also, the study uses another four performance measurement scores which are Area under the Receiver Operating Characteristic Curve (ROC AUC score), accuracy classification score, balanced F1 score and precision score for evaluating models. Comparing these three models based on the confusion matrix and the four accuracy scores, the study explored that the decision tree model can achieve the best performance compared to other models in predicting fraud.
Soul Investment Analysis Based on POCD Framework and Financial Analysis
Authors: Ren Yiming
Published: May 2023

With the rise of the young group represented by the post-1995 generation, the social needs of the market also began to show new changes. Thus, Soul came into being, which is a social app, as well as a leading algorithm-driven virtual social playground where people can create, share, explore and connect. This article assesses the potential of Soul from the perspective of an entrepreneur looking to seize opportunities based on the POCD framework. Besides, the financial situation of Soul is analyzed from three aspects: the financing process, the comparison of competitors from the perspective of finance, and the risk factors in finance. In addition, the investment evaluation and forecast based on the above analysis. Obviously, Soul has carved out its own niche in the current social market. However, at the present stage, Soul does not provide users with additional ecological value, nor does it create a native unique cultural atmosphere. This is undoubtedly a serious potential risk for an investor. The purpose of this article is to provide investors and software developers with some advice and analysis on how to improve Soul in terms of both finance and software itself, so that Soul can further develop in the meta universe social space.
Development Environment and SWOT Analysis of Biomedical SMEs after COVID-19: Evidence from China
Authors: Tian Hui , Wang Chen
Published: May 2023

After the outbreak of the COVID-19, biomedical companies are facing good development opportunities. However, under the background of the country’s strong support for the development of the biomedical industry, small and medium-sized enterprises (SMEs) in biomedical industry will face new competitive challenges. Therefore, in this research, the industrial development analysis, Porter’s five forces analysis model and SWOT analysis model were applied in exploring the development environment and industrial competitiveness of biomedical SMEs. From the results and discussions of this study, it is not difficult to find that China is experiencing a social change of decreasing birth population and aging population, and the biomedical industry needs to make timely strategies accordingly. Meanwhile, due to the increasing per capita medical and health expenditure, it is a rare opportunity for the biomedical companies to promote the prosperity and development of this industry. This study also analyzes the current development problems faced by the biomedical SMEs in China, which provides useful reference for relevant enterprises and policy makers.
Research on the Development of Image Processing Software Industry - Taking "Meitu Xiuxiu" and "Xingtu" as Examples
Authors: Zhang Xiaoyang
Published: May 2023

This research starts with an analysis of the operating models of two major image processing softwares, Meitu Xiuxiu and Xingtu, and then explores the changes and operating rules under new technological conditions. The study focuses on these new changes under the conditions of popular demand and new technology, and concludes on how to attract users as well as increase user stickiness and enhance the business value of the Meitu platform. The aim is to analyze the development path of the image beatification software industry. As the originator of photo retouching software, Meitu was once a must install software for many girls who loved beauty. It started at the peak and relentlessly developed corresponding mobile phones and original beauty brands. From the initial valuation of more than 10 million yuan, it is not difficult to found the expectation of the capital market. Given the fact that the world is in an era of VUCA (volatility, uncertainty, complexity and ambiguity), the VUCA will determine the unpredictability of changes in the pattern of current business world. To sum up, Meitu should dig deep into the content and build the content ecological core in the "beauty" field of its expertise.
Predictions of Tesla Stock Price based on Linear Regression, SVM, Random Forest, LSTM and ARIMA
Authors: Fan Renjie
Published: May 2023

The stock market of a country is an important financial market. A booming stock market promotes the effective use of social capital, the prudent deployment of economic resources, and the expansion of the country's macroeconomics. Making more informed decisions as an investor is made possible by the development of trustworthy equity market models. A trading model allows market participants to select corporations that pay the highest dividend payments while lowering the risks associated with investing. However, batch processing methodologies make stock market research more challenging as a result of the strong connection between stock prices. The advent of technological achievements like universal digitization has elevated share market forecasting into a highly advanced age. Through the research and comparison of several methodologies, this article tries to discover the most accurate approach for predicting Tesla stock closing prices. Predictions are made using statistical approaches such as ARIMA and machine learning methods such as SVM , Linear Regression, Random Forests, and LSTM. Following a thorough examination of all approaches, it was discovered that the accuracy of machine learning methods in predicting stocks is higher than that of statistical methods and integrated algorithm technologies like Random Forest have excellent anti-interference and anti-overfitting characteristics, which are more suitable for evaluating high-volatility stocks like Tesla.
The Valuation and Investment Risk of Cryptocurrency: Evidence from Bitcoin and Ethereum
Authors: Zhang Xingjian
Published: May 2023

From gold standard currencies to fiat money secured by government credit, to today's cryptocurrencies, the basic form of money and mankind's perception of its value has shifted dramatically. This paper will demonstrate the value and risk assessment of the two cryptocurrencies with the highest market share, i.e., Bitcoin and Ethereum. Although the current technology of cryptocurrencies is not perfect, it will improve over time and their value will increase due to the high demand for them. This aim of the study to give first-time investors an understanding of the valuation and risks of cryptocurrencies, rather than treating them as simple financial assets for investment. According to the analysis, the value and risk of Bitcoin depend deeply on many characteristics that were initially built into it. It also has an impact on the value of other virtual currencies at the same time. On the other hand, Ether is a much more open platform, so its value and risk depend more on the various applications and contracts built into a blockchain than Bitcoin. These results shed the light on guiding the further exploration of solving the safety problem of cryptocurrencies from different perspectives.
Opportunities and Challenges of Digital Transformation of China's Cultural Tourism Industry in the Post-Epidemic Era
Authors: Yu Pengao
Published: May 2023

As the China digital era arrived, the traditional form and mindset of the cultural tourism industry have not been able to satisfy the existing demand of public tourists. In addition, owing to the influence of COVID-19, the culture and tourism industry has been greatly impacted and many enterprises are facing a crisis. The digital process has been accelerated as a result, making digitization a key factor for the cultural tourism industry after the epidemic. Based on Michael E. Porter Diamond Model, this study summarizes the difficulties and opportunities faced by the digital transformation of China’s cultural tourism industry in production factors, demand conditions, related and supported industries, corporate progress, government and chances. It also offers suggestions for further digitization in the post-epidemic time. For the development of digital transition of China’s cultural tourism, this paper gives the industry a clear vision of future direction. Also, it provides a reference for the long-term developing path of digital cultural tourism.
Countermeasure Analysis on Free Rider Problem Based on Pig’s Payoff Game
Authors: Zhu Yunxi
Published: May 2023

The free rider problem has caused many negative effects on the society, and then brought unfairness of distribution. In order to reduce the behaviour that contributing less but could gain more, this paper is going to find ways to solve the problem. The pig’s payoff game is a good model as the big pig's behavior is cooperative and collective, but the small pig's behavior is non-cooperative which is suitable for the free rider problem. The final solution is setting up an applying reward and punishment mechanisms and a method of motivating individuals. The research results show that in order to apply the reward and punishment mechanism, another method focuses on motivating individuals, which means that group members are interested in making more contributions by influencing their incentives. These solutions will help to make people who work harder to gain more. And then improve the fairness.
Analysis of E-commerce Platforms’ Price War: Based on Game Theory Model
Authors: Ye Zihe
Published: May 2023

Based on the fact that T-mall and JD.com, two major e-commerce platforms, reduce prices significantly every year in the shopping festival, but still can obtain high profits, this paper explains the causes and profit mechanism from the perspective of game theory. Meanwhile, this article builds a Bertrand model to analyze the profit mechanism of the two firms. The Nash equilibrium is (Discount, Discount) until they drop their prices to 0, which is obviously against the reality that both companies can gain high profits during the shopping festival, and consumers can also buy goods at lower prices. Therefore, there is a possibility of a collusion between the two firms. Finally, this paper introduces trigger strategy, the conclusion is that the two companies can make profits in the long run as long as they cooperate with each other. In addition, from the perspective of consumers, e-commerce platforms and the government, this paper also gives a reasonable decision-making strategy in the shopping festival. This research not only provides promotion programs for e-commerce platforms, but also helps consumers understand the profit mechanism of e-commerce platforms. At the same time, the government can also get inspiration from it, such as setting a minimum price to avoid the disruption of market order by vicious competition.
How to Promote the Digitalization of Human Resources Management
Authors: Yang Yijia
Published: May 2023

With the gradual penetration of technology into various fields and the rapid changes in the market environment, enterprises are forced to promote the process of digital transformation. Being one of the most important parts of an enterprise’s management system, human resource management also being as a key point of digital transformation. However, in the way of the transition of human resource management, many companies ran into difficulties. This paper will focus on five parts of the problems of promoting the digitalization of human resource management from the internal system and external environment and give some suggestions on the problems. This paper proposes that if one wants to provide strong support for the systematic transformation of the enterprise, the digital transition of human resource management should be combined with the actual situation of the enterprise, mainly focusing on people-oriented and fully optimizing the institutional structure, so as to release the employee initiative to adapt to the market of the digital age.
Capri Holdings Limited's Financial Strategy Analysis and Luxury Market Analysis Based on SWOT and Business Valuation
Authors: Lyu Xuxin
Published: May 2023

Due to the great impact of COVID-19 on the world economy, the luxury market has also been affected, and luxury companies of all sizes have been affected to some extent. Besides, luxury companies of all sizes have been hit to some extent. Capri Holdings Limited is a luxury goods company that is made of Versace, Jimmy Choo, and Michael Kors. He re-entered the luxury market during the global outbreak of the pandemic. Only four years later, Capri's profit value successfully turned from negative to positive, which is enough to prove the feasibility of Capri's financial strategy. According to the financial statement provided by Capri Company, the financial status quo of Capri Company in 2022 is analyzed from four aspects: DOL, net profit, liquidity ratio, and capital turnover, so as to analyze whether its financial strategy is reasonably applied. What’s more, based on SWOT and enterprise valuation analysis, it determines Capri's position in the global luxury industry, and finally puts forward some suggestions for Capri's future healthy operation and development.
Prediction of Facebook and GOOG Prices based on Linear Regression and LSTM Regression
Authors: Zuo Xiaonan
Published: May 2023

Stock market analysis is a very difficult task, and stock markets are very complex and constantly changing environments. More and more stock investors are now becoming aware of the prominence of machine learning in the field of stocks and finance, and over the last decade or so machine learning has driven advances in the stock market, such as the ability to use different machine learning methods to predict stock movements in order to arrive at the best decisions and algorithmic trades. The problem that this project wants to investigate is the use of machine learning methods for stock prediction. Two stocks, Facebook and GOOG, were chosen as the datasets for the study. The datasets consisted of stock information from the last decade or so and two machine learning methods, namely long and short term memory and linear regression, were used to make predictions. The results obtained from these two models were analyzing and different results were obtained. The results present the conclusion that the linear regression model is more suitable than the LSTM model for predicting these two groups of stocks. Some error analysis was also carried out and some improvements were given for the two different models.
The Strategy Choice of self-support and outsourcing model of Food and beverage enterprises' delivery Service
Authors: Sheng Ruiyuan
Published: May 2023

Currently, the catering business offers take-out delivery services to customers because to the severe rivalry in the sector and the development, use, and popularization of information technology. In China, huge Internet delivery platforms are mostly used for catering delivery services, and the service provider is primarily focused on a small number of platforms with competitive advantages. In this profession, there is intense industrial competition and a high barrier to entry. Some big catering chain businesses, including KFC and Pizza Hut under Yum Group, have a delivery service team comprising of its own take-out ordering platform and delivery workers as opposed to delivering through take-out delivery platform. While self-operated take-out ordering and distribution platforms will incur high platform maintenance costs, salaries of distribution service team personnel and other expenses for a long time, and will incur management costs or scale diseconomies of the department, large take-out ordering and distribution platforms require paying high commissions and distribution fees to the platform providers. This article will use the Yum! Brands, i.e., KFC and Pizza Hut brands as examples, which are owned by it and have their own distribution service team and platform for takeout food sales, and compare and analyze the benefits, drawbacks, opportunities, and challenges of the two distribution models using the SWOT analysis method. Based on the analysis, this study examines whether or not catering businesses should have a self-operated delivery service team and under what circumstances they should choose which route to follow for delivery service.
Optimizing Stock Portfolio using Markowitz Model
Authors: Wang Quan
Published: May 2023

The stock market is a well-known illustration of an investing option with obvious returns. Its volatility provides a basis for carefully analyzing its prior results in an effort to forecast future market returns. This paper discusses the various models used for selecting investment portfolios and utilizes the Markowitz decision-making model to aid in selecting an optimal investment portfolio based on historical price data and US Treasury 10-year bond rate data. Four stocks were included in the model, with two popular and highly volatile stocks, and two fast-growing stocks. The Markowitz model that maximizes the Sharpe ratio favors the two fast-growing stocks, whereas the same calculations for minimizing risk favor the more volatile stocks, but only lowers risk marginally and reduce returns significantly. The paper further analyzed the accuracy of the Markowitz model in this specific case and provided the Fama French model as a usable alternative that will likely provide alternative suggestions that are more correlated to real-life scenarios.
Portfolio Shading up - A Portfolio composed by NVDA, NVO, KO AND C Using Efficient Frontier and Mean Variance Analysis
Authors: Liang Zijiao
Published: May 2023

This article illustrates that since last century investment becomes more and more popular as a way for people to save or spend money, but during the recovery of the pandemic, how we could make a suitable investment. This article, it demonstrates how to make an optimal portfolio with high return and low risk, with the introduction of the Variance and Mean model and efficient frontier, accompanied with the aid of Excel functions, and let it helps to get the solution best fitted in our expectations. The companies we chose for this portfolio are NVDA, KO, C and NVO, which are outstanding firms from four different industries. And another method of shading up the portfolio is also mentioned in this article, Potter's five force analysis and ESG analysis and rating scale, in a way that could increase the practical usefulness and validity in the reality of our portfolio. And these measures are also expected to be used in the future portfolio shading up.
Prediction of Apple Stock Price - Comparing the Linear and Nonlinear Regression
Authors: Guo Jin
Published: May 2023

Predicting future movements of a stock could be usually better performed within multiple models of analysis. However, different methods of prediction will show completely varied results even in case of a same stock. Due to varied logics and progression process, each model will return different results. These results could have implied certain aspects or properties that the stock owns, and they would reflect keys to acknowledge analyzers and decision makers to in practical. It is imperative for analyzers or decision makers to compare results from different models and algorithms. This paper performs a comparative statement of how would different prediction models or algorithms differentiate in results of predicting a stock price. Furthermore, the researcher will include a comparation of applying separately linear regression and Nonlinear Regression, to analysis on the stock Apple (NASDAQ: AAPL) and compare their prediction outcomes. In addition, the researcher will evaluate the performance according to RMSE (Root-Mean-Square-Deviation) results.
Analysis on Commercial Carpooling Applications’ Further Development in China
Authors: Wang Xinjue
Published: May 2023

As the internet develops, ride-hailing applications have become an integral part of people’s life. Carpooling is one of plenty forms of service that the ride-hailing platform usually provides. As a service in which users share the cost evenly, choosing a ride-sharing service inherently provides users with an economic advantage compared with other forms of ride-sharing service. However, the market for ride-sharing services is not as broad as the overall online ride-hailing market, and the market for carpooling services has not yet reached saturation, indicating that the industry still has room to expand. The article uses the Game theory to justify the expanded possibility of carpooling exists, as well as choosing to carpool shows the best response for both passengers and local drivers among all types of service offered by ride-hailing platforms. Then, the article points out factors that influence users’ diverse attitudes toward carpooling in China, based on the data collected from the questionnaire. Finally, the article combines the feedback results of the questionnaire survey and relevant case studies, such as the research on DIDI, to give the carpooling service market a strategy to amplify the advantages of carpooling to stabilize the existing customer base and make up for the disadvantages to increase the potential customer base.
Risk Management Analysis of Commercial Banks in China under COVID-19 Pandemic
Authors: Wei Zelin
Published: May 2023

Since the G20 financial reforms were implemented in the wake of the 2008 financial crisis, the COVID-19 pandemic is the first significant test of the global financial system. In contrast to the 2008 financial crisis, the shock had an external origin. Indirect funding dominates China's financial system. For China's economy to grow and for many industries to recover, the banking system's capacity to efficiently handle the effects of the epidemic is essential. Each commercial bank is impacted by the epidemic in a different way due to its unique asset magnitude, debt structure, percentage of intermediate business income, and management style. This paper extracts the degree of commercial banks affected by different risks, and advances relevant suggestions for strengthening commercial banks' internal control and accelerating digital transformation, in order to cope with the adverse impact of the epidemic and to promote a rapid recovery of our economy.
The Impact of Covid-19 on E-Commerce Platforms and The Opportunities and Challenges They Face
Authors: Ji Jie
Published: May 2023

Since the outbreak of Covid-19 in 2019, many countries set policies to deal with Covid-19. Because of these policies, many people were restricted from going out. Hence, E-commerce platforms are the preferred way of shopping for many people during Covid-19. The aim of this paper is to examine the impact of Covid-19 on E-commerce platforms and how they can be improved in response to the epidemic. According to the financial status of several E-commerce platforms, sales and revenue increased during the Covid-19 period compared to the past. Furthermore, essential goods are the items that most people preferred to buy during the epidemic time. Mounika Veeragandham’s research shows that 50% of respondents chose to buy essential goods during the epidemic time, which is the highest compared to other purchases. And more people prefer to shop on E-commerce platforms than on traditional ways. To better respond to Covid-19, many E-commerce platforms have taken some measures such as shared employees and online consultation. Based on the above phenomenon and its analysis, this paper hopes to provide some reference for the development of E-commerce platforms in the epidemic situation.
Analysis and Valuation of Toyota’s— Multiple Valuation Method of PE Ratio and EV EBITDA Ratio
Authors: Su Wanting
Published: May 2023

With the continuous development of the automobile industry, Toyota has become the world's largest multinational automobile manufacturer. By referring to Toyota's 2019-2022 financial report and comprehensive report, this paper analyzes the company's business strategy and investment strategy and makes a relevant financial analysis. This paper mainly uses two methods of value assessment. The first method is EBITDA/EV, which is also considered an enterprise value multiple valuation model. The second is the price-earnings ratio valuation, which can be used to determine whether a company is overvalued or undervalued in the market. Based on the above analysis, the author believes that Toyota is overvalued, but it is relatively safe for investors based on its excellent operating performance and its leading position in the industry. At the same time, the author also expounds on the influence of Toyota's overvaluation on future development and emphasizes Toyota's current competitive advantages and potential market threats. Furthermore, since Toyota has undergone great changes in recent years and there are few types of research on Toyota from 2021 to 2022, the research significance of this paper is to help readers better grasp the recent financial status, business strategy, and enterprise value of Toyota.
Portfolio Analysis and Investment Value Based on US Stock Market
Authors: Chen Zhiyu
Published: May 2023

An investment portfolio can contain a variety of assets, including cash, stocks, bonds, financial derivatives, precious metals, and cash. You shouldn't invest all of your money in the same thing, similar to the adage "don't put all your eggs in one basket." Put your eggs in a variety of baskets so that even if one breaks, they will remain safe. In this study, five equities—Eli Lilly, Amazon, FedEx, J.P. Morgan Chase Bank, and Pfizer—are constructed using the Markowitz Mean-Variance Model and Effective Frontier. The portfolio is built using data from these five stocks during the previous three years. Given that stocks can be shorted, the portfolio has a Sharpe Ratio of 9.07%, a yield of 2.99%, and a ceiling of negative 1 for each stock. The risk of this best answer, which was determined by solving combinations, is 9.63%. The usual 10-year Treasury bond's average return is 2.12%, which is less than the ideal yield.
Analysis of Consumer Behavior in the Post-Epidemic Era
Authors: Yang Letao
Published: May 2023

Different consumers have different purchasing tendencies. With the advent of the Internet era, new technologies are developing faster and faster, and consumers' preferences and factors in choosing goods have also changed. Enterprises can better meet consumer needs and improve sales profits by studying consumer behavior changes and influencing factors. Through studying the theoretical achievements and data of famous scholars at home and abroad, this paper mainly analyzes and summarizes the changes and unchanged parts of the factors that affect consumers' purchase of goods, and puts forward constructive suggestions for businesses. From the perspective of consumers, it also analyzes their shopping psychology. Consumers understand their psychological activity process, which will help them to spend more rationally, and reduce blind consumption and impulse consumption. Such research can not only help businesses study consumer psychology to promote consumption and promote economic development, but also help consumers have a better understanding of themselves and a more rational and reasonable distribution of property.
Walmart's Market, Financial Analysis and Valuation Analysis Based on Absolute Valuation Method - Relative Valuation Method
Authors: Chen Kaiyue
Published: May 2023

After the short-term suspension of commercial activities under the COVID-19 influence, the retail industry has ushered in the rapid growth of demand, and the current growth rate has gradually returned to stability. During COVID-19, retail has become an indispensable part of life. As an essential participant in the retail industry, Walmart's development has attracted attention. However, there are few academic articles about Walmart's valuation. Therefore, the report will analyze Walmart's performance by market strategy, investment strategy, and financial. Then, use both relative and absolute valuations to value Walmart. For relative valuation, the report analyses three competitors to select comparable companies. And Absolute valuations are based on assumptions of future cash flows. The two approaches have different dimensions and can increase the informativeness of the results. After research, Walmart is undervalued, which reflects investors' expectations of the company. The report will provide investors and retail industry researchers with Walmart's developments and market value. However, people should pay attention to the impact of the economic and competitive environment on Walmart.
Portfolio Construction Based on Combination of Individual Stocks and LSTM
Authors: Chen Mingxuan , Shen Zhanming , Xu Wanting
Published: May 2023

With the development of the idea of portfolio optimization, it has become one of the important topics in the field of modern finance for achieving the balance between maximizing the return of assets and minimizing the risk. This study selected ten stocks from WIND and used LSTM Neural Network as the fundamental forecasting model. Based on the method of cyclic prediction, we predicted the asset’s return forecast value of the next day by rolling multi-dimensional historical features. Five stocks with the best outcomes were selected for optimization, using both the return component and the volatility, covariance matrix of the stocks’ returns as the covariance matrix to build the efficient frontier and to optimize the weighting. The Monte Carlo Simulation was used to build the maximum Sharpe ratio portfolio and minimum volatility portfolio. The maximum Sharpe ratio portfolio showed that the Midea and Mindray had the potential to profit dramatically at the risk of high volatility. However, relatively high volatility means the possibility of profiting is questionable, so a Minimum Volatility Portfolio was also conducted, which indicated conservative investors usually reduce the risk of their investment as much as possible. Whereas the max Sharpe ratio portfolio showing that risk-seeking investors are more willing to take risks if it can generate more profit. Overall, a hybrid intelligent algorithm based on cyclic prediction, Monte Carlo Simulation and artificial neural network was proposed, and the new applications of machine learning and mathematical methods in asset allocation were promoted.
The transformation of banks to cope with the impact of Internet finance in the era of big data
Authors: Lu Fangchen
Published: May 2023

In the era of big data, the financial industry has gradually entered the state of information, data and network development, and realized the transformation to form a new model of Internet finance, which not only brings new opportunities and challenges to banks, but also has a huge impact on the transformation and development of banks, so in order to promote the transformation and healthy development of banks, we must combine the new trends and requirements of the development of Internet finance to develop new strategies for bank transformation. In this regard, this paper discusses in depth the transformation of banks in the era of big data to cope with the impact of Internet finance based on relevant literature. Since the reform and opening up, China has made great progress in economy and technology, and the level of social economy and science and technology has been improved, so that China has entered the information network and big data era in advance. In the context of the big data era, China's financial industry has gradually transformed into Internet finance with the support of Internet and big data technology. According to the literature, the formation of Internet finance not only brings many opportunities to banks (a representative industry in the financial sector), but also brings many challenges and impacts to banks. In order to cope with the impact of Internet finance, as a relevant staff, not only should we have an in-depth understanding of the considerations for the transformation of Internet finance, but also need to develop a transformation strategy on how banks can cope with the impact of Internet finance according to the development needs of banks and the transformation requirements of Internet finance, so as to promote the healthy and sustainable development of banks.
The impact of Digital Inclusive Finance on China’s agricultural trade
Authors: Xu Xinyi
Published: May 2023

In October 2022, the Party's 20 National Congress report clearly proposed to promote rural revitalization in an all-round way. It will need to speed up digital transformation so that digital inclusive finance can serve the high-quality development of China's agriculture. Based on this, this paper uses the panel data of 31 provinces from 2011 to 2020 to investigate the impact of digital financial inclusion on the scale of agricultural trade. The results show that digital inclusive finance can promote the trade of agricultural products, and the level of economic development is a favorable factor to promote the trade of agricultural products, while foreign investment level, traditional financial level, government intervention level and urbanization level hinder the development of agricultural products trade to a certain extent. Accordingly, relevant policy suggestions are given. First, local government needs to combine the current development of agricultural products and vigorously develop digital inclusive finance. Second, use the financial advantage of digital inclusive finance to improve the scientific and technological content of agricultural products. Third, the government needs to control the degree of intervention in agricultural trade. Fourth, increase investment in new rural infrastructure to boost trade in agricultural products.
Сільське господарство як об’єкта адміністративно-правового регулювання
Authors: Мазуренко В. Г.
Published: May 2023

В даній статті автором розкрито поняття та особливості сільського господарства як об’єкту адміністративно-правового регулювання. Визначено, що сільське господарство – це провідна галузь економіки України, яка спрямована на функціональну обробку ґрунту, розвиток аграрного ринку, вирощування зернових культур, розведення худоби, стимулювання виробництва сільськогосподарської продукції рослинного та тваринного походження. Автором виокремлено особливості сфери сільського господарства. До яких запропоновано внести: 1) є однією з провідних сфер народного господарства та однією з сфер бізнесу; 2) становить більше 10% ВВП України; 3) перспективним є розвиток всіх підгалузей сільського господарства та сільськогосподарської продукції; 4) об’єктом є суспільні відносини, що виникають в публічно-правовій сфері щодо обробки, використання ґрунту, вирощування продукції тваринного та рослинного походження, а також розвитку аграрного сектору; 5) суб’єктами є органи публічного адміністрування (наприклад, Міністерство аграрної політики та продовольства України, Державна служба України з питань геодезії, картографії та кадастру, Державне агентство меліорації та рибного господарства України, місцеві органи публічної адміністрації та ін.) та суб’єкти приватного права; 6) є конкурентоздатною галуззю економіки України як на національному рівні, так і на міжнародному. Автором акцентовано увагу, що не дивлячись на важливість та місце в системі галузей національної економіки, на сьогодні, відсутній спеціальний нормативно-правовий акт, який би урегульовував відносини в галузі сільського господарства. Головними суб’єктами адміністративно-правового регулювання галузі сільського господарства є: Міністерство розвитку економіки, торгівлі та сільського господарства України, Міністерство аграрної політики та продовольства України, Державна служба України з питань геодезії, картографії та кадастру, Державне агентство меліорації та рибного господарства України, місцеві органи публічної адміністрації.
Stakeholders’ Analysis in Agricultural Insurance Service System: A Special Focus on Farmer’s Knowledge and Attitude
Authors:   Department of Agril. Ext., BCKV, Mohanpur, West Bengal,, Priyadarsinee Swadhin Priyadarsinee
Published: May 2023

Agricultural insurance or crop insurance is defi ned as protection against either the loss of crops due to natural disasters, such as hail, drought, and fl oods, or the loss of revenue due to declines in the prices of agricultural commodities given to agricultural producers and subsidized by the government. The research desired to fi nd out the stakeholders of agricultural insurance service system, diff erent roles and responsibilities played by them, and to measure the knowledge and attitude level of farmers towards agricultural insurance. It was found that the majority of farmers were knowledgeable (80%) and had a positive attitude (78%) toward the agricultural insurance service system. It was observed that education, income, knowledge about agricultural insurance, risk proneness and cosmopoliteness of the farmers have signifi cant and positive correlations with attitude of the farmers towards agricultural insurance whereas age and land holding of the farmers have negative and signifi cant relations with the dependent variable. The present study enables the farmers to have good communication with the extension professionals working in their villages.
Preempting Criteria Affecting Future Software Development Methodologies to Construct A Better SDLC Framework
Authors: Padarha Shreyansh
Published: May 2023

- Anthropological studies and system sciences show humans thrive under locus, where structural integrity is intact. It is only natural, that the software developed by humans, order the same. The process and methodology involved in building these applications are complex and chaotic, yet elegant at the same time. Dividing tasks into phases was considered the optimal method, to take advantage of the specializations of various individuals and teams. But, in the ever-rampant world, where AI and machine learning enable, concurrent implementation, it's just to question the basis of the same. The software development industry constantly evolves, with emerging new methodologies and technologies. To stay competitive and continuously evolve, better frameworks for future development and micromanaging need to be created. To do the same, this research paper aims to preempt the criteria that are likely to affect software development models and methodologies, by deep diving into the SLDC's origins, central idea, and relevance throughout our modern history. Key Words: Management, Software Development Life Cycle (SDLC), Software Engineering, Agile, Waterfall Models, Incremental Models, Generative
DISGUISED FACIAL RECOGNITION USING NEURAL NETWORKS - A SURVEY
Authors: JOURNAL IJSREM
Published: May 2023

Face recognition software is being used more often in a wide range of applications, but worries about privacy and exploitation have sparked interest in creating methods for "disguised" face identification. The use of neural networks for disguised face identification has recently attracted the attention of academics, who trained their algorithms on pictures of people with masks, hats, and other facial coverings. Yet, there are a number of difficulties in creating efficient disguised facial recognition systems, such as a lack of training data and the requirement to take different lighting and position changes into consideration. The use of adversarial networks, infrared imaging, and deep learning techniques are among the latest advancements in the field of masked facial recognition using neural networks that are examined in this review. The study also covers prospective uses for concealed face recognition technology as well as the moral issues surrounding its implementation. The survey's findings show that neural networks may be used to mask face recognition in order to satisfy privacy concerns while still enabling accurate identification of people in a range of scenarios. Keywords — Disguised Facial Recognition, Neural Networks, Machine Learning, Deep Learning, Adversarial Networks.
The Self-Concept of Teenagers Who Hangout in Café: A Survey on Students
Authors: Chammearc Natasha Stephana , Firdaus Fendra Firaldi , Sianturi Winda Rointan Tiurma Amelia
Published: May 2023

Café has become part of a lifestyle for most people. Café growing along with the development of modern places like Mall and Plaza. Hangout at the café is a trending lifestyle in the teenagers. This research use quantitative research approaches. This study aims is to provide an overview of self-concept of High School 53 Jakarta female students who conducting hanging out at cafe. The sample of this research was 120 female students of class XI High School 53 Jakarta. Purposive sampling technique was used as the sampling method. Survey method with questionnaires instrument was used to collect data for the research. The questionnaires consisted of 39 items which state about the teenagers confident. The results showed that 80% of female students who love to hang out at the café have a positive self concept. They could understand about themselves although there were a lot of external factors. They still conducted the social norms and could socialize well in home or school environment. As a positive sample, they used café as a place to eliminate the fatique they felt. They made use of the facilitates in the café to do positive activities such as did homeworks or did some research on budget.
Data Mining Using Neural Network for Research Topic Classification Based on Institutional Research Roadmap
Authors: Feriandi Yudi , Suhartini Desi Siti , Permana Budi , Juliane Christina
Published: May 2023

In the last five years, lecturers and students at the Faculty of Medicine at the Islamic University of Bandung have produced hundreds of studies. Still, studies on the suitability of various studies with topics according to the institution's research roadmap have not been carried out. This research aimed to classify research documents based on 12 research roadmap topics. The data used in this study are the research titles of lecturers and students in 2015-2021, amounting to 1064 data. The document extraction process uses text mining, while the document grouping process is carried out using a supervised method with an artificial neural network algorithm. At the text mining stage, preprocessing procedures are carried out in case folding, tokenization, and filtering, followed by analysis through weighting using IDF and evaluating accuracy, precision, and recall. The Neural Network Algorithm can classify by level. The classification results using the neural network algorithm show that overall from the training data, the average precision is 74.7%, recall is 74.3%, and accuracy is 74.3%. Of the 12 research topics, the training dataset obtained high accuracy, precision, and recall values found on herbal medicine, Islamic insert, industrial health, tuberculosis, and vaccination. The four topics are in line with the five institution's leading research topics. The results of dataset testing analysis found that the research topics carried out by students and lecturers of Unisba School of Medicine were distributed among the 12 research topics on the institutional roadmap with the increased trends in institutional leading research topics.
Measuring Intention to Use on Spotify Users in Samarinda City
Authors: Suminto Suminto , Kusrihandayani Dyah , Wulansari Kristin , Anriani Dewi
Published: May 2023

This study aims to analyze and prove the effect of ewom, social influence, perceived enjoyment on attitude and ewom, social influence and perceived enjoyment on intention to use, and attitude on intention to use Spotify application users in Samarinda City. A total of 102 samples were used in this study, respondents were Spotify users in Samarinda City who were taken offline with a Likert scale of 1-5. Validity and reliability tests were carried out using IBM SPSS Statistics 23 software and estimation tests and structural model fit tests were carried out using IBM AMOS  software. The test results show ewom, social influence and perceived enjoyment have a significant positive effect on attitude. Ewom has no significant negative effect on intention to use. Meanwhile, social influence and perceived enjoyment have an insignificant positive effect on intention to use and attitude has a significant positive effect on intention to use.
FINANCING OF INNOVATIVE PROJECTS THROUGH VENTURE FUNDS AND THE TYPES OF RISK INVOLVED IN IT
Authors: Atamuradov Sherzod
Published: May 2023

There is discussed in the article the issues of economy modernization and steps that is necessity to attract additional financial sources for the high-tech industries and innovation projects development. There are considered traditional and new sources of funding for risky investments. The author evaluates the potential for developing alternative tools of venture financing of innovative projects.
THE INFLUENCE OF BABAR SARI WATER QUALITY IN PLANNING ECO-TECH-EDU TOURISM AL AMIN LIVING LAB AND INDUSTRIAL PARK
Authors: Hendra Fahruddin Siregar  , Rahmadhani Fitri  , Novalinda
Published: May 2023

Rivers are places, containers, and networks of water irrigation from springs to estuaries. The existence of rivers with their nature that flows from upstream to downstream has the potential for opportunity value and externality effects between upstream and downstream or along river flows (Pangesti, 2000). Eco-Tech-Edu Tourism Combination and integration of learning across applicable programs, the flow of the Babarsari river looks clear and flows well, so this is used in the construction of living labs and industrial parks. In its use as ecotourism, it is necessary to analyze the burden of pollutants. In determining the burden of pollutants, it is necessary to carry out water analysis and water status analysis based on the Decree of the Minister of Environment no. 115 of 2003 concerning guidelines for water quality status.