International Journal of Industrial and Business Management

The Quantitative Analysis and Decision-making of MSMEs’ Credit Risk

Research Article of International Journal of Industrial and Business Management The Quantitative Analysis and Decision-making of MSMEs’ Credit Risk Xiaorui Tao1*, Junzhe Zhao1, Jianying Xu1, Keyue Wang1 1College of Economics & Management, China Three Gorges University, Yichang, 443002, China. In this study, we focused on the quantitative analysis and decision-making of credit risk of the Micro, Small and Medium Enterprises (MSMEs) from the perspective of bank. Based on the data of 123 MSMEs, we extracted and processed information from the original data with theoretical analysis and feature engineering, and established an entropy weight-TOPSIS model to get the credit risk index of each MSME. Meanwhile, the credit strategy optimization model was constructed, and the DE algorithm was used to solve the credit strategy scheme for bank to each MSME. According to the relationship between the total annual credit of bank, interest rate and expected profit, we analyzed the partial sensitivity of the model and explored the maximum profitability of the bank and finally gave helpful suggestions. Our results have guiding significance for banks to manage and make decisions on the credit risk of MSMEs. Keywords: Credit risk; MSMEs; Entropy weight-TOPSIS model; Credit strategy optimization model; DE algorithm ...

Outsourcing Human Resource Functions and their Impact on Organizational Performance

Research Article of International Journal of Industrial and Business Management Outsourcing Human Resource Functions and their Impact on Organizational Performance Atyeh Alzhrani KAU In today's rising competition, the benefit generated by the development of high organizational quality is becoming more important. The role of human resource tasks and the culture of organizations can impact the achievement of substantial organizational effectiveness, which in return draw much more attention from both theoreticians and practitioners. Outsourcing is deemed one of the tools which companies use to reinforce their core competencies to assign their resources effectively. The rise of globalization has transformed outsourcing into one of the broadly adopted business plans towards supplying exceptional services to consumers. As can be seen by the ever-increasing trends in outsourcing, the literature on how outsourcing activities affect manufacturing companies' results is insufficient. The main aim of this research was to investigate the impact on the performance of the outsourcing of human resources functions. Therefore, the results revealed that outsourcing HR functions play an important role in the improvement of organizational performance which can be characterized in three major dimensions; productivity, profitability, and cost efficiency. This study is limited to literature analysis and in future the three dimensions found by research can be investigated empirically. Policy makers and human resource managers can incorporate the strategies suggested by study to increase the performance of their organization. Keywords: Outsourcing, Human Resources, Organizational Performance, Performance ...

The Application of Data Mining in Payroll Distribution

Research Article of International Journal of Industrial and Business Management The Application of Data Mining in Payroll Distribution Zhong Zheng1*, Lingli Huang2, Tianlong Wang3, Gang Wang4, Wenjie Liu5 1College of Electrical Engineering & New Energy, China Three Gorges University, Yichang, 443002, China. 2College of Science, China Three Gorges University, Yichang, 443002, China. 3College of Civil Engineering & Architecture, China Three Gorges University, Yichang, 443002, China. 4College of Mechanical & Power Engineering, China Three Gorges University, Yichang, 443002, China. 5College of Foreign languages, China Three Gorges University, Yichang, 443002, China This paper studies the application of data mining in total wage distribution. The wage distribution model based on entropy method and analytic hierarchy process is established. Taking a state-owned enterprise as an example, the data was preprocessed with the linear equation fitting method. Entropy method was used to determine the weight of the influencing factors of wage distribution, and the first 8 factors were selected as the main influencing factors. The analytic hierarchy process (AHP) was used to calculate the weight of contract worker's salary and contract employees' salary as 0.342 and 0.658, respectively. On this basis, the total wage distribution. Compare and analyze the established distribution plan with the original distribution plan, and put forward improvement Suggestions to the original distribution plan: should increase the proportion of contract labor. Keywords: The unitary linear equation fitting; Entropy method; AHP ...

The Upgrading of Foreign Trade Industry in Jiangsu Province- Based on the Perspective of Global Value Chain

Research Article of International Journal of Industrial and Business Management The Upgrading of Foreign Trade Industry in Jiangsu Province- Based on the Perspective of Global Value Chain Jie Liu, Kang Jin* School of Marketing and Logistics Management, Nanjing University of Finance and Economics, Nanjing 210023, China. Based on the global value chain perspective, this study carried out a comprehensive analysis of foreign trade industry in Jiangsu province from four dimensions, including contribution rate of foreign trade industry to GDP, value chain division, value chain dependency and value chain links. Research showed that the four types of industry upgrades (processes, products, functions, chains) could be realized by integrating "Internet +" from the perspective of value chain. Therefore, we planned three proposals to promote the upgrading of Jiangsu foreign trade industry: Integrate and promote the value chain, merge the internet technology; extend the value chain, build Internet platform; reconstruct the value chain and optimize the trade process. Keywords: Global value chain; Jiangsu foreign trade; Industrial upgrading ...

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International Journal of Industrial and Business Management