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Five main risk factors of fintech lending enterprises are empirically analysed by using the duration analysis model. The main findings are: Technology does not cause a significant increase in enterprise risk, the main reason is that although technology brings new types of risk, namely, technical risk, but it eliminates the human errors and moral hazards in a certain extent. There is debate on the role of regulatory policy on corporate risk, 'market failure theory' and 'regulatory failure theory', the empirical results show that the institutionalization of regulatory is more conducive to reducing risk than the frequently issuing 'new regulatory policies'. As for the debate about whether large or small enterprises carry greater risks, the empirical evidence shows that the failure risks of large enterprises are only 79% of the risks of small enterprise. Another important finding is that the risks of listed companies or venture capital-controlled enterprises are far less than that of private enterprises, which suggests that the institution is very important to reduce risk. [ABSTRACT FROM AUTHOR]

This study investigates the effect of corporate social responsibility (CSR) on customer loyalty and explores the role of customer engagement. The moderating role of gender is also examined. A total of 348 valid responses collected via the intercept approach from life insurance customers in Ghana were analyzed using structural equation modeling. The results suggest that CSR dimensions (economic, environmental, and social responsibility) positively impact customer loyalty. Also, the results indicate a partial mediating influence of customer engagement between CSR dimensions and customer loyalty. Further, the results establish the moderating effect of gender between economic and environmental dimensions of CSR and customer engagement. However, the study finds no moderating effect of gender between the social dimension of CSR and customer engagement. The study provides an empirical basis for CSR strategies that can drive customer engagement and customer loyalty in the insurance sector in many economies. [ABSTRACT FROM AUTHOR]