Development and Validation of a Model for Assessing Potential Strategic Innovation Risk in Banks Based on Data Mining-Monte-Carlo in the “Open Innovation” System

Manuylenko, Viktoriya Valeryevna; Borlakova, Aminat Islamovna; Миленков, А. В.; Bigday, Olga Borisovna; Drannikova, Elena Andreevna; Lisitskaya, Tatiana

doi:10.3390/risks9060118

Cited by 8 publications

(6 citation statements)

References 11 publications

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“…Such "green" loans reduce the risks of delinquency and default, which is beneficial for both lenders and borrowers. Although the terms of such loans may be more favorable to borrowers, these transactions are often less public, which can soften their image significance [11][12][13][14][15][16][17][18][19].…”

Section: Resultsmentioning

confidence: 99%

Dynamics of green finance in the Russian Federation

Shevtsov,

Posnaya,

Krichevets

et al. 2024

BIO Web Conf.

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Against the backdrop of the growing importance of sustainable development and environmental protection issues, the urgent need to increase the share of “green” investments in the financing of investment projects is substantiated. The study proposes to pay special attention to the formation of a solid regulatory framework in the field of green finance. The proposal includes the development of a strategy and concept for the development of green financing, as well as a law that would establish an effective mechanism for the implementation of green financing, taking into account the peculiarities of Russian reality. This mechanism should make private investment more attractive for financing projects and contribute to the creation of a set of measures, including ways to reduce the financial burden on the federal budget and the budgets of the Russian Federation constituent entities. We come to the conclusion that Russia should take into account global experience and practices in the field of green financing, as well as stimulate the introduction of concession agreements and public-private partnerships. The introduction of “green” financing will contribute to the preservation of natural resources and their further increase, which will allow the creation of innovative products, promote the development of scientific and technological progress, and also preserve the health of the nation, since products made in “green” financing projects are environmentally friendly.

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Section: Resultsmentioning

confidence: 99%

Dynamics of green finance in the Russian Federation

Shevtsov,

Posnaya,

Krichevets

et al. 2024

BIO Web Conf.

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“…In order to attract capital in the required amount, it is necessary to create conditions where climate changerelated activities are combined with sustainable economic returns (Manuylenko et al, 2021a;Hryhorak, 2020;Manuylenko et al, 2021b).…”

Section: Materials Methods and Objects Of Researchmentioning

confidence: 99%

Effective Development of Industry Through Use of New Tools and Mechanisms

Posnaya,

Krichevets,

Pisaryuk

et al. 2024

J. Innov. Bus. Ind.

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The development of the industry stimulates the functioning of environmental projects related to agriculture, renewable energy sources, and environmentally friendly industry. Improving the system of “green” lending in banks contributes to the development of the private sector on new terms, which implies maximum preservation of natural resources and receiving more profit than from traditional projects. When issuing loans for the development of sustainable entrepreneurship, the banking sector seeks to support clients in the transition to sustainable solutions, since the conservation of resources and the creation of energy-saving technologies determine the future capabilities of the state. Green loans are an effective and significant tool for the development of sustainable entrepreneurship in the industry. And the conditions and procedure for issuing them are the mechanism through which the industry develops. Green loans can also be issued for projects of large clients in support of the industry, which meets the requirements of the SEB system. By choosing a green loan to finance a project, the enterprise becomes part of a sustainable management system. The most relevant areas for obtaining "green" loans are: renewable energy (solar, wind, tidal energy, bioenergy; energy efficiency - in relation to district heating or cooling; clean transport - non-fossil fuels or hybrid transport solutions; waste management - energy from waste and methane capture projects, as well as projects to reduce waste through process improvement; emission reduction - reduction of emissions of particulate matter, heavy metals and dioxins through physical, chemical, mechanical means; sustainable forestry - forestry projects with a forest management certificate or equivalent scheme certification; water and wastewater treatment – drinking water production, wastewater treatment, water resources management.

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“…The indicators of non-performing loan (NPL), market risk, and liquidity risk are used as variables reflecting the risk of the banking sector. In addition to households, the counterparties of the banking sector are non-financial organizations [26][27][28][29]. Deposits to assets and loans to assets ratios are used as two broad indicators of bank balance sheet characteristics [30][31][32].…”

Section: Methodsmentioning

confidence: 99%

Banking Sector Profitability: Does Household Income Matter?

2022

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Household incomes, their level and dynamics are one of the factors that ensure the achievement of the Sustainable Development Goals. At the same time, stable development of the banking sector, which is impossible without steady earnings, determines economic growth, which also positively affects reaching the Sustainable Development Goals. The paper examines the impact of household income on the return on assets of the banking sector in Russia using annual time series from 2003 to 2019. The study was conducted using formalized economic and mathematical methods of analysis by linear regression with least squares tests on the significance of the model, with tests for redundancy of insignificant variables (Wald test), Ramsey test on the functionality of the model, White and Breusch Pagan test for heteroscedasticity (heterogeneity of observations) and multicollinearity by method of inflation factors, graphic method. The Multiple Linear Regression (MLR) model was used. The results show that (1) an increase in the growth rate of household income and deposits in the non-financial sector has a positive effect on the return on assets of the banking sector; (2) an increase in the growth rate of the price of Brent crude oil and non-performing loans negatively affect the dependent variable; and (3) the regions that have the greatest (positive and negative) impact on profitability of whole bank sector in Russia were identified. Increasing household incomes and eliminating inequality in the incomes of the population of different regions will have a positive impact not only on social well-being but will also provide the banking sector with the opportunity for profitable operation and create conditions for sustainable growth. Our conclusions are useful for the regulator and individual banks and can be taken into account when developing and implementing policies aimed at sustainable development.

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Development and Validation of a Model for Assessing Potential Strategic Innovation Risk in Banks Based on Data Mining-Monte-Carlo in the “Open Innovation” System

Cited by 8 publications

References 11 publications

Dynamics of green finance in the Russian Federation

Dynamics of green finance in the Russian Federation

Effective Development of Industry Through Use of New Tools and Mechanisms

Banking Sector Profitability: Does Household Income Matter?

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