Bank lending: The bank ownership focus in the pre- and post-global financial crisis periods

The objective of this research is to examine the impact of bank ownership on the composition of working capital, investment, and consumption loan types before and after the global financial crisis (GFC). The data has been grouped into pre-GFC and post-GFC sub-periods. The pre-GFC period encompasses the post-Asian crisis time period until 2006, just before the start of the GFC. The post-GFC period comprises the time period 2009 until 2016. Data were obtained from the Indonesian Banking Directory of the Indonesian Central Bank, commercial bank annual reports provided by Infobank magazine, and the Indonesian Banking Development Institute. The findings reveal the differences and changes in the composition of loan types for the different forms of bank ownership. Government-owned banks tend to focus on consumption loans, whereas foreign-owned banks outpace domestic-owned banks in the financing of working capital loans. After the GFC, government-owned banks increased their consumption loans significantly. This research augments the knowledge about loan portfolio compositions and trends pertaining to different bank types. It can serve as a benchmark and can be applied to enhance decision-making in the banking industry. Furthermore, Indonesian regulating authorities can utilize the information from a strategic and policy perspective to monitor, manage and control financial intermediation from a macroprudential perspective.     

连云港市化工危险废物处置对策优化研究

危险废物产生、处置、综合利用的真实情况是危险废物管理的基础,本文结合单位在本市危险废物处置的工作实践,指出了危险废物处置及管理中存在的问题,并提出优化建议。     

改造工程路基施工质量控制

老路改造工程必须控制好路基,包括防护工程、排水构造物和软基处理的质量.     

南通港集装箱运输发展刍议

本文分析了南通集装箱的发展现状,存在的主要问题,并给出了相应的合理建议。     

基于粮猪型村的两型农业发展评价研究

按照粮猪型村发展两型农业的生产特点、资源与环境条件,从两型农业的基本要求出发,建立了一套适合于粮猪型村两型农业评价的指标体系和评价方法,并以此对浏阳市八角亭村进行两型农业发展情况的评价,得出该村两型农业发展处于初级两型农业发展阶段的结论。     

情绪切换的实验设计

为了研究人们的情绪切换能力,特从性别、刺激类型和任务类型三个方面对情绪切换进行实验设计。     

高校联合厂所自筹经费研制武器型号管理初探

本文针对国内出现的高校联合多领域工程单位,共同自筹开展武器装备型号研制的现象,对这种合作新模式的特点、决策管理、方案设计、成本控制及风险管理等进行了初步探析。     

渭南市开展阳光体育运动存在的问题及对策研究

本文通过文献资料法、访谈法对渭南市农村中小学阳光体育运动开展现状进行研究,发现存在问题并分析原因,提出应对措施。     

我国本轮经济增长存在的问题及对策

我国本轮经济存在着粗放型增长方式占主导、资源成为经济增长瓶颈,经济结构失衡加剧、难以有效持续增长,地方政府行为导致经济过热、经济运行出现波动,高增长低就业的经济发展格局、比较优势难以发挥,居民收入增长缓慢、差距拉大、社会分配明显不公等五个主要问题。因此,对经济运行中存在的这些问题必须加以治理,以便实现经济的健康发展。     

中国证券业进入与退出规制的现状考察与实施难点分析

本文通过对中国证券业进入与退出规制的现实状况和存在的问题进行分析考察,检验中国的证券业进入与退出规制制度以及在实践中的效率,由此得出中国证券业进入与退出规制实施的难点。