The development of green finance by commercial banks is a key way to achieve the goal of "carbon peak and carbon neutrality" in China. This paper uses entropy method to collect data from the social responsibility report and annual report of commercial banks, establishes the green ecological innovation index of commercial banks, and evaluates the development of green finance of commercial banks in recent years, and finds that the development of green finance of Chinese commercial banks is on the rise; In terms of organizational innovation, the management policies and full-time institutions of commercial banks have been continuously improved, but many banks still need to pay attention to the construction of management systems related to green finance. In terms of product innovation, the score of ecological innovation of commercial banks' products continues to rise significantly, and the green financial products of commercial banks continue to be abundant, but the products in the field of carbon finance are relatively simple. In terms of cultural innovation, banks still need to strengthen special training on green finance and deepen the concept of green development.

This paper empirically investigates the impact of householders’ personality traits on the probability and depth of household commercial insurance participation at the micro level using the China Family Panel Studies (CFPS) 2018 data. After considering the robustness tests and endogenous issues, the regression results show that, among the five personality traits, the openness trait can significantly increase the probability of household commercial insurance participation, the annual expenditure on household commercial insurance, and the share of household commercial insurance expenditure in the annual household income, while the effects of other personality traits on commercial insurance are not significant. The mechanism analysis shows that the householder’s openness trait can significantly improve his sense of social trust, increase his financial literacy, and then effectively promote household commercial insurance participation. Heterogeneity analysis finds that the promotion effect of openness trait on commercial insurance is more obvious in urban households and the households with high levels of financial assets. The paper provides a new perspective to explain the current low participation rate of commercial insurance in China, and at the same time provides useful references for relevant departments to formulate policies and for commercial insurance companies to standardize their development strategies.

Along with the full realization of the unified real estate registration in China, the preparation for the imposition of real estate tax goes one step further. This paper first analyzes the expected functions of real estate tax in China, including raising fiscal revenue, improving wealth distribution and regulating the housing market. Further, the paper indicates that the imposition of real estate tax needs to be based on a national real estate information registration and management platform, which should also enable the identification of households and real-time tracking of property values built upon the unified real estate registration. Finally, this paper discusses three specific issues on revenue attribution, pilot scope, and detailed deduction method for tax exemption for the imposition of real estate tax in China providing concrete suggestions on how to impose real estate tax in China.

Laws can have a certain impact on economic development, especially anti-monopoly laws. The reason to study this important social issue is because it is crucial to China's national situation. In many industries in China, especially the Internet, technology, and finance, the market tends to be highly concentrated. This not only threatens small and medium-sized enterprises but may also be detrimental to consumers. The lack of effective anti-monopoly supervision may lead to social inequality and a widening gap between the rich and the poor, which is contrary to the goals of China's socialist modernization drive. Therefore, the anti-monopoly law has special and important significance in China and needs further study and improvement. The theme of this paper is to analyze the role of the anti-monopoly law in sustainable economic development. Research methods include case analysis and literature research. The result shows that the importance of anti-monopoly law is mainly reflected in preventing abuse of market position and regulating that market players cannot abuse their market position to engage in unfair competition. At the same time, it can also realize the effective allocation of resources, which can ensure that the market can improve overall social welfare in an environment of sufficient competition.

This study explores the innovative application of behavioral economic theories to enhance eczema care and improve patient outcomes. The research focuses on three potent strategies within the realm of behavioral economics: nudging, financial incentives, and digital interventions with commitment contracts. Incorporating financial incentives into eczema care can potentially bolster medication adherence, a critical component in effectively managing the chronic trajectory of this condition. By providing tangible rewards or incentives, patients may be motivated to adhere to prescribed treatment regimens more consistently. Furthermore, this paper underscores the transformative potential of digital interventions, particularly commitment contracts, in cultivating proactive and patient-centered approaches to disease management. Leveraging technology, these interventions have the potential to revolutionize healthcare delivery by promoting enhanced adherence and facilitating personalized and effective treatment paradigms. This research is grounded in a comprehensive review of contemporary studies, offering valuable insights into the effectiveness of these strategies. The findings of this study paint a promising picture for the future of eczema management, suggesting that the integration of behavioral economic principles can lead to more effective and patient-centric care, ultimately improving outcomes for individuals living with eczema.

Based on the national ranking of the total agricultural output value, this paper selects Shandong, Henan, and Sichuan, which are in the top three, as the representatives of large agricultural provinces, and utilizing panel data from 54 prefecture-level cities throughout the three provinces for the years 2011 to 2020, this study thoroughly applies the fixed effect model, mediating effect model, and moderating effect model to examine the influence of digital inclusive finance on agricultural carbon emission reduction. The findings demonstrate that inclusive digital finance reduces agricultural carbon emissions favorably; the three sub-dimensions of the breadth of coverage, the depth of use, and the degree of digitization all have significant promoting effects on agricultural carbon emissions reduction, of which the breath of coverage has the most obvious effect; compared to the primary regions that produce grains, In non-primary grain-producing zones, the promotion effect of digital inclusive finance on agricultural carbon emission reduction is particularly significant. From the perspective of the mediating effect, agricultural decreases in carbon emissions can benefit from increased regional innovation thanks to digital inclusive funding; from the perspective of the moderating effect, the amount of urbanization is taken advantage of by digital inclusive finance to control the effects of crop reductions in carbon emissions.

This paper aims to introduce different environment problems and the method to solve and improve the current situation. There are definitions of green economy, physical water scarcity and economic water scarcity, green building, green bond etc. And comprehensive explanations of what and how to solve the serious natural damages and energy scarcities based on data. Beside of repairing the environment, other means for improvement of green economy system like giving government inventions and popularizing green bond market are also worse to be highly concerned. The energy and resources problems have always been underestimated, especially water resources. Thus, to arise people’s attention of this issue and acquaint the seriousness of it is another vital goal. This paper mentioned various fields of data, including map of water scarcity distribution, proportion of water usage in different aspects, data of damage caused by human economic activities, statistical data of Chinese new energy vehicle sale and the comprehensive green bond dataset from 2006 to 2020.

In recent years, the rapid growth of Artificial Intelligence has become a household name and has developed its use in various fields. Today's AI is permeating all aspects of the financial sector and has become a force for change. This paper summarizes the history of artificial intelligence and delves into the current state of its integration into the financial sector. The capabilities of AI herald a new era of financial innovation but also pose a number of risks and challenges. This paper combines case studies and literature to focus on the data risks faced by AI in finance, the complexity of "black box" algorithms, financial and legal regulatory challenges, and data privacy and ethical issues. As financial institutions increasingly rely on AI-powered solutions, understanding these potential risks becomes critical. This paper concludes with some countermeasures and recommendations to address the potential risks. By deploying AI through collaborative efforts, rigorous oversight, and on high-quality data, the financial community can capitalize on the power of AI to allow fintech to lead the transformation of the industry.

Apple Inc. is widely recognized as a prominent global corporation. This study undertakes a comprehensive investigation of Apple Inc., including the leadership of CEO Tim Cook, the internal dynamics of the design team, and many organizational and external influences. By employing analytical frameworks such as Industry Analysis and PESTEL, this study examines the competitive advantage of Apple Inc. and identifies potential areas for enhancement. The findings indicate that Apple's dedication to innovation and ethical conduct has resulted in the establishment of a robust brand and a devoted consumer following. However, in order to remain competitive in a rapidly evolving technological environment, Apple Inc. must persistently adjust its strategies. Additionally, it is imperative for Apple to acknowledge and rectify concerns regarding labor and environmental practices that have been raised by critics. The objective of this study is to provide a comprehensive comprehension of the factors that establish Apple Inc. as a prominent player in the worldwide market.

Brand communication plays a crucial role in the advancement of corporations, with many organizations placing significant emphasis on fostering public relations with their clientele. In a context of escalating competition and volatility within the market, effective brand communication plays a pivotal role in enhancing business image and credibility. Consequently, the management of public relations necessitates appropriate adjustments. Enterprises are increasingly prioritizing the management of public relations and corporate image due to the impact of brand image and consumer trust on customer choices in the marketing landscape. In addition to quality and price, customers now consider brand image and trustworthiness when making purchasing decisions. Therefore, effective brand communication has become a paramount objective for enterprises. Given this market context, public relations play a crucial role in conveying the value of a brand. Therefore, enterprises must adeptly navigate public relations in order to achieve favorable growth.

Portfolio management plays a significant role in the world of finance and investing, offering benefits and contributions to both individual investors and institutions. Researchers use many mathematical models to make informed decisions about how to allocate and manage investments within a portfolio to optimize risk versus return trade-off based on the investor’s preference and constraints. This paper primarily employs the literature review methodology and comparative analysis methodology. Firstly, it collects, summarizes, and analyzes multiple papers on portfolio management models, including Markowiz Mean-Variance Model, Capital Market Line (CML), Arbitrage Pricing Theory (APT) and Capital Asset Pricing Model (CAPM) with the origin of the models, their key assumptions, components, and applications. Additionally, this paper also utilizes comparative analysis by comparing the similarities, differences, and respective downsides and benefits of the four main research models. Through this comparison, the paper investigates the relationships and application distinctions among the models. As a result, these models evolve and refine over time, with some building on others. CAPM extends the Markowitz Model by introducing the risk-free rate and market portfolio as benchmarks, simplifying the risk-return relationship, and introducing systematic risk. The Capital Market Line (CML), derived from CAPM, illustrates efficient portfolios made up of both market and risk-free assets and shows the risk-return trade-off. APT, a later model, can be seen as an extension of CAPM.

The stock market might be impacted by natural disasters, which can cause significant market disruptions and financial uncertainty, as already shown in several existing studies. This study investigates the role of natural disasters in stock market movements in the US specifically, hypothesizing that incorporating natural disasters leads to more accurate stock market predictions. Various models, including Difference-in-Differences (DID), ARMA-GARCH/ARMAX-GARCH, and Random Forest, are employed to analyze the S&P 500 index's daily returns and the impact of natural disasters. The study reveals that the ARMA-GARCH model effectively captures market volatility but does not account for all influencing factors such as interest rate, inflation rate, and natural disasters. The DID method isolates natural disaster effects, showing significant but inconsistent impacts. The Random Forest model, incorporating a disaster severity index, yields more accurate predictions than the one without, reinforcing the hypothesis and supporting previous studies. Although the study highlights the importance of considering natural disasters in stock market predictions, it also underscores the market's complexity, indicating that more features and factors should be considered in future research.

China's aviation industry is facing a scarcer development space. In the absence of means to enhance airport capacity, airport slots have been attached great importance as a scarce resource. Due to the lagging development of China's aviation industry and its detailed fields, slot allocation in China is unscientific, and as a scarce resource, slot utilization in China has much room for improvement. After analyzing the current situation of China's slot allocation system, imperfect laws, regulations and slow marketization process, this paper proposes that the construction of the secondary market can be a substitute for China in the process of exploring the primary market mode, which can be used to significantly improve the utilization and efficiency of slot resources temporarily. This paper introduces in detail the operation method of the Top Trading Cycle (TTC) algorithm and the Top Trading Cycle-Collaborative Decision Making (TTC-CDM) algorithm in the slot allocation secondary market and the short-term potential of solving slot resource shortage, which provides directional guidance for the development space of China's aviation industry.

Organ transplantation is a surgical operation to rescue a patient who has organ failure by implanting the other people's healthy organ into the patient’s body accordingly to save and prolong the patient's life. This is also one of the focuses of today's researches. Organ transplantation started relatively late in China, but since then, organ transplantation made a great progress in China in just a few years. But in the meanwhile, the organ transplantation market in China still faces various problems. This paper uses a large number of data, such as the number of people waiting for organ transplantation in different countries at different times and the distribution data of qualified organ transplant institutions in various regions of China, to analyze the problems faced by China in organ transplantation. It is found that organ transplantation in China, especially kidney transplantation, faces the problems of large demand gap and regional inequality. To meet these challenges, this paper explains four principles of allocation and then introduces two different allocation mechanisms as a reference for improving organ allocation in China.

The global economy has been significantly affected by the COVID-19 pandemic, and Africa has not been spared from its widespread repercussions. This paper aims to provide a comprehensive analysis of the economic development trends in Africa, with a particular focus on South Africa, across three distinct phases: pre-pandemic, during the pandemic, and post-pandemic. Utilizing the combination of textual analysis and secondary data, the paper delves into both the macro and micro economic impact of these phases on the South African economy. The study aims to shed light on the resilience and vulnerabilities of the South African economy in the face of global challenges such as trade tensions, geopolitical uncertainties, and the unprecedented health crisis brought about by the pandemic. It also explores the government's policy responses and their effectiveness in mitigating the economic fallout. Furthermore, the paper examines the sectoral impacts, highlighting how key industries like mining, manufacturing, and services have been affected and are recovering. By offering a multi-dimensional analysis, this paper seeks to provide valuable insights for policymakers, researchers, and stakeholders interested in the economic development and recovery of South Africa in a rapidly changing global landscape.

Geopolitical stability plays a pivotal role in shaping the global economic landscape, especially concerning foreign investment and transnational corporations (TNCs). This study delves into the intricate relationship between geopolitical stability and these economic factors, employing a case study of the Russia-Ukraine conflict to exemplify their interplay. The Russia-Ukraine conflict, characterized by territorial disputes and political tensions, has had far-reaching consequences on foreign investment and TNCs operating in the region. This study scrutinizes how the conflict's instability has influenced investment decisions and strategies adopted by TNCs. The research combines quantitative and qualitative methodologies, drawing upon economic data, expert opinions, and corporate case studies. The findings indicate a clear correlation between geopolitical stability and foreign investment. In the context of the Russia-Ukraine conflict, periods of heightened instability have witnessed reduced foreign investment as risk perceptions rise. TNCs, concerned about the security of their assets and profitability, tend to adopt a cautious approach during such times. Conversely, when geopolitical tensions ease, foreign investment tends to rebound. Moreover, this study explores the strategies employed by TNCs to navigate geopolitical instability. Companies often implement risk management protocols, diversify their portfolios, and forge partnerships with local entities to mitigate risks associated with geopolitical instability. This research contributes to the broader understanding of the impact of geopolitical factors on global economics.

Due to the changes in many industries after the epidemic, in order to promote national consumption power, China has listed the retail industry as one of the key development objects. This paper studies the historical development of the retail industry, studies the development characteristics of online retail industry and offline retail industry respectively, and analyzes the current development situation and its reasons by means of searching data, analyzing and demonstrating, and making comparison. Through research, this paper finally concluded that the online retail industry and offline retail industry are currently in a situation of mutual integration and joint promotion of development, and this conclusion is a guide for the retail industry research in the new stage. This research would be helpful for scholars and decision-makers to further explore relevant measures. Other articles on the recent situation analysis and future prediction of the retail industry can draw reference from this paper.

Ever since the presale mechanism was invented in 1953, it has been welcomed all over the world, especially in real estate purchases. In recent years, the real estate industry in China has been developing since the reform and opening-up policy made by Deng. As it developed, problems also arose as huge numbers of uncomplete building sites started to emerge throughout China's mainland, causing millions of people to end up in poverty or bankruptcy. The research is conducted to seek what actually caused the mentioned situations as well as find possible countermeasures to help avoid them to some extent. This passage lists several main existing problems including flaws in the system, vulnerable reaction systems, and the lack of government management. and to each of them, a correspondent measurement is given as a better solution or a tip for not repeating the same mistake. There are mature systems of presale in regions from Hong Kong to the USA.

People live in the era of the internet, and information spreads rapidly. People's demands for quality of life are gradually increasing, and they are also paying more attention to product innovation in their diet. However, due to the targeted push of big data and fierce competition among brands, many brands have encountered the serious problem of product homogenization. This article takes Holiland as a case study to analyze its marketing strategy of breaking homogenization marketing and breaking away from traditional brands and becoming a trendsetter. Starting from a youth-oriented marketing model, create a brand image that young people love more. This study analyzes the current marketing model of the brand, providing some reference value for the future development of Holiland, and also providing suggestions for breaking the homogenization of marketing methods in the food industry. At the same time, the author provides two suggestions, namely, in terms of visual assets and localized products, both need to be refined.

In the world of advertising, there's a contentious debate over the portrayal of gender and privacy products. Amidst concerns of crossing societal boundaries, the industry faces the challenge of crafting ads that are both compelling and socially respectful. This paper focuses on the case of Durex, a leading gender brand, and explores its advertising strategy, particularly through new media channels. Based on the state of new media, Durex's advertising strategy is notable for its clear brand positioning. Its social media accounts predominantly showcase advertising posters and videos of its products, employing the Feature-Advantages-Benefits-Evidence (FABE) marketing strategy. This approach efficiently informs consumers about the brand's offerings, succinctly conveying product information and successfully eliciting purchase intentions. It is worth noting that the brand also contains a large number of content related to sex education, aiming to promote healthy sexual concepts and sex education, to a certain extent to fill the fundamental problem of low sales of sexual intimate products due to the lack of sex education.