This is an open access book. Finance and trade are the keys to the world's continued economic and social development. Studying finance and trade can help us better understand how the world works. In addition, business management is crucial for an enterprise and a country's sustainable development. The conference mainly focused on research fields such as finance, trade, and business management. The 2023 International Conference on Finance, Trade, and Business Management(FTBM2023)will be held on September 22-24, 2023 by ZOOM. The purpose of the conference is to provide a chance for experts and scholars engaged in finance, trade, and business management-related research to exchange scientific research results and cutting-edge technologies, understand academic development trends, broaden research ideas, strengthen academic research and discussions, and promote cooperation in the industrialization of academic achievements. We sincerely invite experts, scholars, business people, and other relevant people from universities and scientific research institutions at home and abroad to attend the conference!

This two volume set contains frank and factual information about symptoms, causes, effects, prevention, and treatment of substance abuse—alcohol, nicotine, and drugs—and of behavioral addictions such as eating disorders, pathological gambling, and compulsive sexual activity. Including the most up-to-date research, the addiction entries are based largely on criteria established by the American Psychiatric Association in its Diagnostic and Statistical Manual of Mental Disorders.Tracing the history of the debate over whether addiction is a choice or a disease, the volumes explain how genetic and biological findings support the disease concept while lifestyle choices affect the course of the disease. Graphics and discussions of the brain structures that support this self-reinforcing mechanism illustrate why treatments that obstruct the pathway are showing such promise.

We analyze how regulatory constraints on household leverage—in the form of loan-to-income and loan-to-value limits—a?ect residential mortgage credit and house prices as well as other asset classes not directly targeted by the limits. Supervisory loan level data suggest that mortgage credit is reallocated from low-to high-income borrowers and from urban to rural counties. This reallocation weakens the feedback loop between credit and house prices and slows down house price growth in “hot” housing markets. Consistent with constrained lenders adjusting their portfolio choice, more-a?ected banks drive this reallocation and substitute their risk-taking into holdings of securities and corporate credit.

The financial crisis is just beginning for retail institutions. Ninety to ninety-five per cent of bank transactions are executed electronically today. The Internet, ATMs, call centres and smartphones have become mainstream for customers. But banks still classify these as alternative channels and maintain an organisation structure where Branch dominates thinking. Continued technology innovations, Web 2.0, social networking, app phones and mobility are also stretching traditional banking models to the limit. BANK 2.0 reveals why customer behaviour is so rapidly changing, how branches will evolve, why cheques are disappearing, and why your mobile phone will replace your wallet all within the next 10 years.

Multiword expressions (MWEs) are a challenge for both the natural language applications and the linguistic theory because they often defy the application of the machinery developed for free combinations where the default is that the meaning of an utterance can be predicted from its structure. There is a rich body of primarily descriptive work on MWEs for many European languages but comparative work is little. The volume brings together MWE experts to explore the benefits of a multilingual perspective on MWEs. The ten contributions in this volume look at MWEs in Bulgarian, English, French, German, Maori, Modern Greek, Romanian, Serbian, and Spanish. They discuss prominent issues in MWE research such as classification of MWEs, their formal grammatical modeling, and the description of individual MWE types from the point of view of different theoretical frameworks, such as Dependency Grammar, Generative Grammar, Head-driven Phrase Structure Grammar, Lexical Functional Grammar, Lexicon Grammar.