Search results for " Risk assessment"
showing 10 items of 184 documents
Do laboratory exposures represent field exposures? Effects of sediments contaminated by wood industry on yolk-sac fry of rainbow trout (Oncorhynchus …
2015
Purpose. Risk assessment of contaminated sediments is routinely based on laboratory exposures. The purpose of this work was to study if sediments contaminated by the chemical wood industry cause developmental defects in fish fry and how well a laboratory exposure correlates with a field exposure. Materials and methods. Newly hatched yolk-sac fry of rainbow trout (Oncorhynchus mykiss) were exposed in the laboratory and in situ. In the laboratory, the fish were placed in contact with either clean or contaminated sediment in aquaria. In the field, half of the fish were placed in contact with the lake sediment and the other half were similarly caged 2 m above it, to discern the effects of the s…
CREDIT RISK MANAGEMENT IN COMMERCIAL BANKS
2016
The article proposes a model of credit risk assessment on the basis of factor analysis of retail clients / borrowers in order to ensure predictive control of the level of risk posed by potential clients in commercial banks engaged in consumer lending. The aim of the study is to determine the level of risk represented by different groups (classes) of retail clients (borrowers) in order to reduce and prevent credit risk in the future as well as to improve the management of banking risks. The main results of the study are the creation of a model of borrowers internal credit ratings and the development of the methods of improving credit risk management in commercial banks.
Bank Lending in Project Finance: The New Regulatory Capital Framework
2012
The paper aims to examine the new regulatory framework of project finance in the economics of banking firms. In particular, the paper investigates the uniqueness of the project finance, the significant importance of the project finance in bank activity, and the role of the new bank capital requirements to promote the innovative financial scheme. In the project finance business loans terms and characteristics are primarily based on the assets and quality of the project to be financed. It means that the usual bank rating models for lending business might not been implemented in the project finance lending. Quantitative estimates of credit risk could not be always possible in project finance l…
Turtles on the trash track: loggerhead turtles exposed to floating plastic in the Mediterranean Sea
2019
Loggerhead turtles (Caretta caretta) spend most of their life in large marine areas occupying a variety of habitats where they are exposed to different types of threats. Among these, marine litter is known to pose a risk of entanglement or ingestion. Areas of risk exposure can be identified where the species overlap with litter accumulations, but gathering data on this highly mobile species and marine litter, especially in high sea areas, is challenging. Here we analysed five years of sea turtle and marine litter data collected by a network of research bodies along fixed trans-border transects in the Mediterranean Sea. Ferries were used as observation platforms to gather systematic data on …
Probabilistic risk assessment of the exposure to polybrominated diphenyl ethers via fish and seafood consumption in the Region of Valencia (Spain)
2013
The study was carried out to estimate the dietary intake of polybrominated diphenyl ethers (PBDEs) in the Region of Valencia (Spain) in order to evaluate the resultant risk. The PBDE levels in fish and seafood (a total of 206 samples) were determined. Dietary intake was estimated using results of PBDE analyses in fish and seafood marketed in the Region of Valencia over the period 2007-2012 and data of the first Valencian Food Consumption Survey, conducted in 2010. Two scenarios were assumed for left-censored results: the lower-bound (LB) scenario, in which unquantified results (below the limit of quantification (LOQ)) were set to zero and the upper-bound (UB) scenario, in which unquantified…
From risk assessment to in-context trajectory evaluation - GMOs and their social implications
2011
Purpose: Over the past twenty years, GMOs have raised enormous expectations, passionate political controversies, and an on-going debate on how should these technologies be assessed. Current risk-assessment procedures generally assess GMOs in terms of their potential risk of negatively affecting human health and the environment. Yet, is this risk-benefit approach appropriate to a deliver a robust assessment of GMOs? In this paper, we question the validity of current risk-assessment from both a social and an ecological perspective, and we elaborate an alternative approach, namely in-context trajectory evaluation Methods: This paper combines frame analysis, context analysis and eco-social anal…
Limited behavioural effects of ocean acidification on a Mediterranean anemone goby (Gobius incognitus) chronically exposed to elevated CO2 levels
2022
An in situ reciprocal transplant experiment was carried around a volcanic CO2 vent to evaluate the anti-predator responses of an anemone goby species exposed to ambient (∼380 μatm) and high (∼850 μatm) CO2 sites. Overall, the anemone gobies displayed largely unaffected behaviors under high-CO2 conditions suggesting an adaptive potential of Gobius incognitus to ocean acidification (OA) conditions. This is also supported by its 3-fold higher density recorded in the field under high CO2. However, while fish exposed to ambient conditions showed an expected reduction in the swimming activity in the proximity of the predator between the pre- and post-exposure period, no such changes were detected…
Ecotoxicity assessment of boreal lake sediments affected by metal mining: Sediment quality triad approach complemented with metal bioavailability and…
2019
Highlights • Ecological risk assessment of metal-contaminated boreal lakes and sediments. • Sediment Quality Triad complemented with bioavailability and body residue studies. • Toxicity studies for natural sediments with several organisms and endpoints • Adverse effects observed. High variation on results between different methods. • Standard toxicity tests not suitable for testing, too low pH hampers the results. There are several methods for studying metal-contaminated freshwater sediments, but more information is needed on which methods to include in ecological risk assessment. In this study, we compliment the traditional Sediment Quality Triad (SQT) approach – including information on c…
Distribution of fullerenes (nC60) between sediment and water in freshwaters
2014
Abstract Depending on environmental conditions, fullerenes (nC 60 ) have the potential to settle to the bottom sediments. In this study the distribution of nC 60 was investigated in the labile zone between sediment and water. Three freshwater–sediment systems representing oligohumic, mesohumic, and polyhumic lakes with varying sediment composition and structure were used to investigate the target of fullerenes. The largest portion of water suspended fullerenes was found in the sediment, but a part re-suspended relatively quickly to water-stabile particles associated with natural particles. Rapid initial re-suspending was followed by a slower one offering a continuous pathway to the water ph…
RISK OF CARDIOVASCULAR DISEASE MORBIDITY AND MORTALITY IN FRAIL AND PRE-FRAIL OLDER ADULTS:RESULTS FROM A META-ANALYSIS AND EXPLORATORY META-REGRESSI…
2017
Frailty is common and associated with poorer outcomes in the elderly, but its role as potential cardiovascular disease (CVD) risk factor requires clarification. We thus aimed to meta-analytically evaluate the evidence of frailty and pre-frailty as risk factors for CVD. Two reviewers selected all studies comparing data about CVD prevalence or incidence rates between frail/pre-frail vs. robust. The association between frailty status and CVD in cross-sectional studies was explored by calculating and pooling crude and adjusted odds ratios (ORs)+/- 95% confidence intervals (CIs); the data from longitudinal studies were pooled using the adjusted hazard ratios (HRs). Eighteen cohorts with a total …