Research on Factors Affecting Credit Risk of Joint Stock Commercial Banks on Vietnam Stock Market

Design/methodology/approach: The article aims at identifying factors affecting credit risk of commercial banks in Vietnam. The study uses data collected from financial statements of 15 typical joint stock commercial banks out of a total of 27 joint stock commercial banks listed on the Vietnam stock exchange from 2012 to 2022 with panel data of 15 joint stock commercial banks for the period 2012 - 2022. The banks in the research data are the those with the largest total assets in the banking system. After collecting and processing data, research sample includes 165 observations and the study uses E-view software in quantitative analysis to build a regression model to determine the relationship and level of influence of Internal factors to credit risk of listed joint stock commercial banks.   Findings: Research results indicate that factors affecting credit risk of listed joint stock commercial banks include: Ratio of equity to total assets, capital structure of the bank, and operational performance of the banks.   Research, Practical & Social impications: These results confirm the importance of taking into account micro finance factors when making financing. Understanding the impact of these factors and relationships contributes to decision and risk management.   Originality/value: In order to limit credit risk it is necessary to focus on: Ensuring reasonable equity; Stricter control over loan capital; Optimal use of resources

A hierarchical architecture for increasing efficiency of large photovoltaic plants under non-homogeneous solar irradiation

Under non-homogeneous solar irradiation, photovoltaic (PV) panels receive different solar irradiance, resulting in a decrease in efficiency of the PV generation system. There are a few technical options to fix this issue that goes under the name of mismatch. One of these is the reconfiguration of the PV generation system, namely changing the connections of the PV panels from the initial configuration to the optimal one. Such technique has been widely considered for small systems, due to the excessive number of required switches. In this paper, the authors propose a new method for increasing the efficiency of large PV systems under non-homogeneous solar irradiation using Series-Parallel (SP) topology. In the first part of the paper, the authors propose a method containing two key points: a switching matrix to change the connection of PV panels based on SP topology and the proof that the SP-based reconfiguration method can increase the efficiency of the photovoltaic system up to 50%. In the second part, the authors propose the extension of the method proposed in the first part to improve the efficiency of large solar generation systems by means of a two-levels architecture to minimize the cost of fabrication of the switching matrix

Reconstructing Daily Discharge in a Megadelta Using Machine Learning Techniques

In this study, six machine learning (ML) models, namely, random forest (RF), Gaussian process regression (GPR), support vector regression (SVR), decision tree (DT), least squares support vector machine (LSSVM), and multivariate adaptive regression spline (MARS) models, were employed to reconstruct the missing daily-averaged discharge in a mega-delta from 1980 to 2015 using upstream-downstream multi-station data. The performance and accuracy of each ML model were assessed and compared with the stage-discharge rating curves (RCs) using four statistical indicators, Taylor diagrams, violin plots, scatter plots, time-series plots, and heatmaps. Model input selection was performed using mutual information and correlation coefficient methods after three data pre-processing steps: normalization, Fourier series fitting, and first-order differencing. The results showed that the ML models are superior to their RC counterparts, and MARS and RF are the most reliable algorithms, although MARS achieves marginally better performance than RF. Compared to RC, MARS and RF reduced the root mean square error (RMSE) by 135% and 141% and the mean absolute error by 194% and 179%, respectively, using year-round data. However, the performance of MARS and RF developed for the climbing (wet season) and recession (dry season) limbs separately worsened slightly compared to that developed using the year-round data. Specifically, the RMSE of MARS and RF in the falling limb was 856 and 1, 040 m3/s, respectively, while that obtained using the year-round data was 768 and 789 m3/s, respectively. In this study, the DT model is not recommended, while the GPR and SVR models provide acceptable results

Lactobacillus porcinae sp. nov. isolated from traditional Vietnamese nem chua

A species diversity study of lactic acid bacteria occurring in traditional Vietnamese nem chua yielded an isolate, LMG 26767T, that could not be assigned to a validly named species. The isolate was initially investigated by 16S rRNA gene sequence analysis, which revealed that it belonged to the genus Lactobacillus, with Lactobacillus manihotivorans and Lactobacillus camelliae as the closest relatives (98.9% and 96.9% gene sequence similarity towards the type strains, respectively). Comparative (GTG)5-PCR genomic fingerprinting confirmed the unique taxonomic status of the novel strain. DNA-DNA hybridization experiments, DNA G+C content determination, sequence analysis of the phenylalanyl-tRNA synthase (pheS) gene, and physiological and biochemical characterization demonstrated that strain LMG 26767T (= CCUG 62266T) represents a novel species, for which the name Lactobacillus porcinae sp. nov. is proposed. Biochemically, Lb. porcinae can be distinguished from Lb. manihotivorans and Lb. camelliae by its carbohydrate fermentation profile, absence of growth at 45°C, and production of D- and L- lactate as end products of glucose metabolism

Tidal amplification and salt intrusion in the Mekong Delta driven by anthrogenic sediment starvation

Natural resources of the Mekong River are essential to livelihood of tens of millions of people. Previous studies highlighted that upstream hydro-infrastructure developments impact flow regime, sediment and nutrient transport, bed and bank stability, fish productivity, biodiversity and biology of the basin. Here, we show that tidal amplification and saline water intrusion in the Mekong Delta develop with alarming paces. While offshore M2 tidal amplitude increases by 1.2–2 mm yr−1 due to sea level rise, tidal amplitude within the delta is increasing by 2 cm yr−1 and salinity in the channels is increasing by 0.2–0.5 PSU yr−1. We relate these changes to 2–3 m bed level incisions in response to sediment starvation, caused by reduced upstream sediment supply and downstream sand mining, which seems to be four times more than previous estimates. The observed trends cannot be explained by deeper channels due to relative sea level rise; while climate change poses grave natural hazards in the coming decades, anthropogenic forces drive short-term trends that already outstrip climate change effects. Considering the detrimental trends identified, it is imperative that the Mekong basin governments converge to effective transboundary management of the natural resources, before irreversible damage is made to the Mekong and its population

Inequalities between peri-urban and urban areas in urbanization process of Ho Chi Minh city: an urban political-ecology perspective

Thanks to the implementation of Vietnam’s economic renovation or ‘Doi Moi’ policy since 1986, Ho Chi Minh City (HCMC) urban has grown quickly. However, this also leads to an increase in inequality. Its peri-urban area, which undergoes higher level of urbanization than urban area, faces more problems such as land use change, inadequate development process, unequal allocation of services and investment, and ignorance of environmental protection and cultural preservation. These impacts show inequality in standards of living between residents of the two areas. Using the framework of the Peri-Urban Political-Ecology, this paper aims to depict a general picture of the situation and analyse the causes of social inequalities between these two areas in terms of economy, public services, and environment through “everyday practices” (i.e. events, problems, stories, etc.). The paper uses HCMC’s statistical data in 2015-2017 periods and research findings from previous studies. The results shows that the main causes in inequalities between these two areas are the inevitability of urban metabolism and the unequal power interaction among the state, society and market

10-Year Cardiovascular Risk in Hypertensive Patients: Insights from Central Vietnam Using WHO 2019 Chart

Background: Assessing the 10-year cardiovascular disease (CVD) risk is crucial for effective prevention and management. Despite its significance, information is limited on CVD risk among hypertensive patients in primary care in Central Vietnam. We conducted this study to estimate 10-year CVD risk in primary care settings and explore its associated risk factors, using the 2019 WHO CVD risk chart. Methods and Results: This cross-sectional study collected socio-demographic and clinical data through a standardized questionnaire. Cardiovascular risk was estimated using the WHO CVD risk charts for Southeast Asia. The prevalence of low, moderate, and high CVD risk was 52.1%, 38.9%, and 9.0%, respectively. Notably, men had significantly higher rates of moderate (48.6%) and high (17.6%) CVD risk than women (31.4 and 2.4%, respectively) (P=0.000). Age was a significant factor, with an increasing prevalence of moderate and high CVR as age advanced. Specifically, the 50-59 age group had a moderate risk of 18.6%, rising to 69.9% in the 70-74 age group. High CVD risk increased from 0.6% to 27.6% in the same age groups. Lower educational levels were associated with a higher proportion of moderate CVD risk. Smoking and excessive alcohol consumption were linked to elevated CVD risks (25.0% and 30.0%, respectively), surpassing those without these behaviors. Similar trends were observed for individuals with diabetes, high total cholesterol, and high blood pressure. Conclusion: Approximately one-tenth of hypertensive patients face a high risk of developing CVDs within the next 10 years. A comprehensive approach, encompassing behavioral changes and the management of metabolic risk factors, is essential to reduce CVD risk effectively

MULTI-CRITERIA DECISION-MAKING FOR ELECTRIC BICYCLE SELECTION

Electric bicycle is a vehicle which is used widely in all the citys and provinces of Vietnam. However, it’s hard to choose “the most suitable” or “the best” type of electric bicycle because each type has different criteria (parameters). To choose out the best option, we need to consider all the alternatives at once. That is called multi-criteria decision-making. This research used three multi-criteria decision-making methods include SAW method, MARCOS method and PSI method to choose from seven bestselling types of electric bicycle on the market in 2022. All the methods which were used chose out the same best electric bicycle type and the same worst bicycle type. And so, among seven types of electric bicycle which include M133 mini, M133 Sport 2022, Aima 133AM, Nijia – PA4, DK 133M, Yadea iGo and Yadea i3, the best type is Aima 133AM, in contrast, Yadea iGo is considered the worst type. Things that need to be done in the folowing researches were proposed in the last part of this paper

Patterns of HIV prevalence among injecting drug users in the cross-border area of Lang Son Province, Vietnam, and Ning Ming County, Guangxi Province, China

BACKGROUND: To assess patterns of injecting drug use and HIV prevalence among injecting drug users (IDUs) in an international border area along a major heroin trans-shipment route. METHODS: Cross-sectional surveys of IDUs in 5 sites in Lang Son Province, Vietnam (n = 348) and 3 sites in Ning Ming County, Guangxi Province, China (n = 308). Respondents were recruited through peer referral ("snowball") methods in both countries, and also from officially recorded lists of IDUs in Vietnam. A risk behavior questionnaire was administered and HIV counseling and testing conducted. RESULTS: Participants in both countries were largely male, in their 20s, and unmarried. A majority of subjects in both countries were members of ethnic minority groups. There were strong geographic gradients for length of drug injecting and for HIV seroprevalence. Both mean years injecting and HIV seroprevalence declined from the Vietnamese site farthest from the border to the Chinese site farthest from the border. 10.6% of participants in China and 24.5% of participants in Vietnam reported crossing the international border in the 6 months prior to interview. Crossing the border by IDUs was associated with (1) distance from the border, (2) being a member of an ethnic minority group, and (3) being HIV seropositive among Chinese participants. CONCLUSION: Reducing the international spread of HIV among IDUs will require programs at the global, regional, national, and "local cross border" levels. At the local cross border level, the programs should be coordinated on both sides of the border and on a sufficient scale that IDUs will be able to readily obtain clean injection equipment on the other side of the border as well as in their country of residence