Analysis of non-performing loans risk of five Chinese state-owned commercial banks

With the continuous development of Chinese banking industry, the influence of banking industry on Chinese economy has also become greater. The non-performing loan ratio of a bank is often regarded as one of the important operating indicators of the bank, which can measure the ability of banks to resist risks. At the same time, as representatives of Chinese commercial banks, state-owned commercial banks often have strong capital and strong ability of defending risk. After the outbreak of the coronavirus pandemic, there is a high probability that the non-performing loan rate will rise sharply in a short period of time. Therefore, studying the influencing factors of the non-performing loan rate of Chinese state-owned commercial banks has certain theoretical and practical significance for preventing the risk of rising non-performing loans of Chinese commercial banks and controlling financial risks. This article firstly introduces the literature and theory of non-performing loan rate, and then analyses the existing problems of Chinese non-performing loan rate in the process of economic development. Then five economic variables are selected as influencing factors by establishing models. The final results show that the growth rate of GDP show a negative correlation with non-performing loan ratio and the growth rate of unemployment is negatively related with non-performing loan ratio. While net assets have a positive correlation with non-performing loan ratio. The capital adequacy ratio and non-performing loan ratio show a negative correlation, whereas cost-to-income ratio and non-performing loan ratio presents a positive correlation. Finally, on the basis of theoretical analysis and empirical analysis, targeted suggestions are put forward from both macroeconomic and bank management aspects to achieve the goal of controlling the risk of non-performing loan rate of Chinese state-owned commercial banks

Power of Continuous Triangular Norms with Application to Intuitionistic Fuzzy Information Aggregation

The paper aims to investigate the power operation of continuous triangular norms (t-norms) and develop some intuitionistic fuzzy information aggregation methods. It is proved that a continuous t-norm is power stable if and only if every point is a power stable point, and if and only if it is the minimum t-norm, or it is strict, or it is an ordinal sum of strict t-norms. Moreover, the representation theorem of continuous t-norms is used to obtain the computational formula for the power of continuous t-norms. Based on the power operation of t-norms, four fundamental operations induced by a continuous t-norm for the intuitionistic fuzzy (IF) sets are introduced. Furthermore, various aggregation operators, namely the IF weighted average (IFWA), IF weighted geometric (IFWG), and IF mean weighted average and geometric (IFMWAG) operators, are defined, and their properties are analyzed. Finally, a new decision-making algorithm is designed based on the IFMWAG operator, which can remove the hindrance of indiscernibility on the boundaries of some classical aggregation operators. The practical applicability, comparative analysis, and advantages of the study with other decision-making methods are furnished to ascertain the efficacy of the designed method

Epidemic spreading in lattice-embedded scale-free networks

We study geographical effects on the spread of diseases in lattice-embedded scale-free networks. The geographical structure is represented by the connecting probability of two nodes that is related to the Euclidean distance between them in the lattice. By studying the standard Susceptible-Infected model, we found that the geographical structure has great influences on the temporal behavior of epidemic outbreaks and the propagation in the underlying network: the more geographically constrained the network is, the more smoothly the epidemic spreads

Evaluation of the Observational Associations and Shared Genetics Between Glaucoma With Depression and Anxiety

PURPOSE: Glaucoma, a leading cause of blindness worldwide, is suspected to exhibit a notable association with psychological disturbances. This study aimed to investigate epidemiological associations and explore shared genetic architecture between glaucoma and mental traits, including depression and anxiety.METHODS: Multivariable logistic regression and Cox proportional hazards regression models were employed to investigate longitudinal associations based on UK Biobank. A stepwise approach was used to explore the shared genetic architecture. First, linkage disequilibrium score regression inferred global genetic correlations. Second, MiXeR analysis quantified the number of shared causal variants. Third, specific shared loci were detected through conditional/conjunctional false discovery rate (condFDR/conjFDR) analysis and characterized for biological insights. Finally, two-sample Mendelian randomization (MR) was conducted to investigate bidirectional causal associations.RESULTS: Glaucoma was significantly associated with elevated risks of hospitalized depression (hazard ratio [HR] = 1.54; 95% confidence interval [CI], 1.01-2.34) and anxiety (HR = 2.61; 95% CI, 1.70-4.01) compared to healthy controls. Despite the absence of global genetic correlations, MiXeR analysis revealed 300 variants shared between glaucoma and depression, and 500 variants shared between glaucoma and anxiety. Subsequent condFDR/conjFDR analysis discovered 906 single-nucleotide polymorphisms (SNPs) jointly associated with glaucoma and depression and two associated with glaucoma and anxiety. The MR analysis did not support robust causal associations but indicated the existence of pleiotropic genetic variants influencing both glaucoma and depression.CONCLUSIONS: Our study enhances the existing epidemiological evidence and underscores the polygenic overlap between glaucoma and mental traits. This observation suggests a correlation shaped by pleiotropic genetic variants rather than being indicative of direct causal relationships.</p

Evaluation of the Observational Associations and Shared Genetics Between Glaucoma With Depression and Anxiety

PURPOSE: Glaucoma, a leading cause of blindness worldwide, is suspected to exhibit a notable association with psychological disturbances. This study aimed to investigate epidemiological associations and explore shared genetic architecture between glaucoma and mental traits, including depression and anxiety.METHODS: Multivariable logistic regression and Cox proportional hazards regression models were employed to investigate longitudinal associations based on UK Biobank. A stepwise approach was used to explore the shared genetic architecture. First, linkage disequilibrium score regression inferred global genetic correlations. Second, MiXeR analysis quantified the number of shared causal variants. Third, specific shared loci were detected through conditional/conjunctional false discovery rate (condFDR/conjFDR) analysis and characterized for biological insights. Finally, two-sample Mendelian randomization (MR) was conducted to investigate bidirectional causal associations.RESULTS: Glaucoma was significantly associated with elevated risks of hospitalized depression (hazard ratio [HR] = 1.54; 95% confidence interval [CI], 1.01-2.34) and anxiety (HR = 2.61; 95% CI, 1.70-4.01) compared to healthy controls. Despite the absence of global genetic correlations, MiXeR analysis revealed 300 variants shared between glaucoma and depression, and 500 variants shared between glaucoma and anxiety. Subsequent condFDR/conjFDR analysis discovered 906 single-nucleotide polymorphisms (SNPs) jointly associated with glaucoma and depression and two associated with glaucoma and anxiety. The MR analysis did not support robust causal associations but indicated the existence of pleiotropic genetic variants influencing both glaucoma and depression.CONCLUSIONS: Our study enhances the existing epidemiological evidence and underscores the polygenic overlap between glaucoma and mental traits. This observation suggests a correlation shaped by pleiotropic genetic variants rather than being indicative of direct causal relationships.</p