Credit Scoring for Vietnam’s Retail Banking Market: Implementation and Implications for Transactional versus Relationship Lending

As banking markets in developing countries are maturing, banks face competition not only from other domestic banks but also from sophisticated foreign banks. Combined with a dramatic growth of consumer credit and increased regulatory attention to risk management, the development of a well-functioning credit assessment framework is essential. As part of such a framework, we propose a credit scoring model for Vietnamese retail loans. First, we show how to identify those borrower characteristics that should be part of a credit scoring model. Second, we illustrate how such a model can be calibrated to achieve the strategic objectives of the bank. Finally, we assess the use of credit scoring models in the context of transactional versus relationship lending.financial economics and financial management ;

Investigation of the Impact of Vegetarianism and Veganism on the Post-Covid-19 Gastronomy and Food Industry

The aim of this term paper is to investigate the extent to which Covid-19 has influenced the gastronomy and food sector regarding fresh food counters and the to-go assortment in terms of vegetarian and vegan offerings.An extensive literature and internet research was conducted for this thesis. In addition, this included a study of vegan- and vegetarian-friendly food offerings in ten different randomly selected restaurants in the city of Trier, Germany. The results show that on average a good selection of vegetarian dishes (33.6%) and a small selection of vegan dishes (11.8%) can be found in the individual restaurants.The trend towards a plant-based diet has been evident for years but accelerated during the COVID-19 pandemic as society began to doubt the safety precautions of the meat industry and awareness of animal, environmental and health issues increased. This has led to many restaurants and food retailers expanding their range of vegetarian and vegan options to meet this demand. More and more vegan products can also be found in food retail, and the range of vegan alternative products in the to-go area or at fresh food counters for actual meat, sausage, cheese and fish products is expanding, as can be seen at pioneer REWE Group, for example

Dynamic Assembly of Cascade Enzymes by the Shape Transformation of a DNA Scaffold

Within cells, the close spatial arrangement of cascade enzymes facilitates the channeling of intermediates and enhances cascade reaction efficiency. Reconfigurable DNA nanostructures, owing to their structural controllability and precise spatial addressability, are promising tools for mimicking such processes. In this study, a 3D DNA origami scaffold, with a dynamic shape transformation from its open boat form to a closed hexagonal prism induced by toehold-mediated strand displacement, is designed to investigate the enzyme cascade reaction of xylose reductase and xylitol dehydrogenase from D-xylose metabolic pathway. Enzymes are assembled on the DNA scaffold in its open state, which is subsequently closed by the assistance of DNA sequence-specific closing keys. The enzyme cascade efficiency is much higher in the static encapsulated closed state than in the open state due not only to the enzyme proximity but also the environmental factors of 3D DNA structure. These results provide novel insights into controlling enzyme cascade reactions by inducing the shape transformation of DNA nanostructures and how environmental factors affect the action of multi-enzyme complexes in the cell

The evolution of Green Belt concepts in Hanoi\u27s regional planning, 1960-2023

This article analyses the evolution of Green Belt concepts in Hanoi from a historical perspective. Through the comparison between international concepts and the practical planning local during 1960 - 2023, this paper aims to answer three main questions related to the Green Belt: First, when was the Green Belt theory introduced to Vietnam? Second, what lessons were there in the process of being introduced into Hanoi? Third, why has the Green Belt theory not been successful in practical planning? This article uses fieldwork methods and comprehensive analysis and divides three different periods: the first period (1960-1998), the second period (1998-2011), and the third period (2011-2023). The planners have found many ways to enhance Greenbelt’s role, from changing perception to changing form toward flexibility, but Greenbelt theory still can not be put into practical planning. This article adopts a comparative historical planning perspective to examine the adaptability of planning applications across diverse contexts, with a specific focus on the paradigm in the UK where this theory originated and has successfully adapted through numerous policy and institutional changes. Hanoi’s green belt had faced various challenges arising from ambiguity in green belt identification; the development of appropriate frameworks tailored to local conditions for managing the green belt as a cohesive entity, and consideration of the overall urban development layout with a long-term perspective

Determinants Influencing Vietnamese Farmers’ Intention in Applying New Technologies in Agricultural Farming

This paper used survey data from 273 farmers planting fruit trees in 23 provinces to assess the impact of some factors on the intention of applying new technologies to agricultural production of Vietnamese farmers. Research results have identified and measured a number of factors that have a positive impact and some negative factors hinder farmers' intention to apply new technologies. These findings are the basis to recommend policies and solutions to promote Vietnamese farmers to apply new technologies. Keywords: Agricultural farming; Applicability, Belief; Benefit; Market demand; Communication DOI: 10.7176/EJBM/12-6-06 Publication date: February 29th 2020

Identification and estimation of the marine ecosystem services surrounding selected offshore islands of Vietnam

Intertidal and larger marine ecosystems surrounding the islands of Bach Long Vi (Northern Vietnam), Con Co (Central Vietnam) and Tho Chu (Southernmost Vietnam) which have typical and valuable ecosystems are planned as marine protected areas. They are the study area of this paper on identification and estimation of these ecosystem services. The total economic valuation concept is used to estimate the total value of the ecosystems during the period March 2014 to October 2015. The marine ecosystems surrounding Bach Long Vi Island were estimated servicing 599,047.8 million VND (Vietnam Dong)/year in total (corresponding to 26.62 million USD (US dollar—1 USD = 22,503.68 VND (rate May 1, 2015)); calculated per hectare; this value corresponds with 94 million VND/year. The marine ecosystems surrounding Con Co Island provide a total monetary service of 267,518 million VND/year (approximately, 12 million USD/year); this corresponds with 307 million VND/ha/year. The marine ecosystems surrounding the Tho Chu archipelago were worth 565,236 million VND/year (approximately, 25 million USD/year); this corresponded with 125.47 million VND/ha/year. These figures show the most significant service value of marine ecosystems, particularly around the three islands

Rational design of a DNA sequence-specific modular protein tag by tuning the alkylation kinetics

Sequence-selective chemical modification of DNA by synthetic ligands has been a long-standing challenge in the field of chemistry. Even when the ligand consists of a sequence-specific DNA binding domain and reactive group, sequence-selective reactions by these ligands are often accompanied by off-target reactions. A basic principle to design DNA modifiers that react at specific sites exclusively governed by DNA sequence recognition remains to be established. We have previously reported selective DNA modification by a self-ligating protein tag conjugated with a DNA-binding domain, termed as a modular adaptor, and orthogonal application of modular adaptors by relying on the chemoselectivity of the protein tag. The sequence-specific crosslinking reaction by the modular adaptor is thought to proceed in two steps: the first step involves the formation of a DNA–protein complex, while in the second step, a proximity-driven intermolecular crosslinking occurs. According to this scheme, the specific crosslinking reaction of a modular adaptor would be driven by the DNA recognition process only when the dissociation rate of the DNA complex is much higher than the rate constant for the alkylation reaction. In this study, as a proof of principle, a set of combinations for modular adaptors and their substrates were utilized to evaluate the reactions. Three types of modular adaptors consisting of a single type of self-ligating tag and three types of DNA binding proteins fulfill the kinetic requirements for the reaction of the self-ligating tag with a substrate and the dissociation of the DNA–protein complex. These modular adaptors actually undergo sequence-specific crosslinking reactions exclusively driven by the recognition of a specific DNA sequence. The design principle of sequence-specific modular adaptors based on the kinetic aspects of complex formation and chemical modification is applicable for developing recognition-driven selective modifiers for proteins and other biological macromolecules