基于模糊综合评价的信用风险评估

商业银行在营运过程中无时无刻不面临着各种金融风险，其中，信用风险占有特殊的重要地位，世界银行对全球银行业危机的研究表明，导致银行破产的最常见原因就是信用风险．因此，如何对信用风险进行准确和客观的评估与测度已成为学术界所面临的重要课题，同时也是金融实业界密切关注的焦点之一．利用多层次模糊综合评价的模型和层次分析法对国内商业银行信用风险进行综合评估．根据相关资料构建综合评价指标体系．用层次分析法确定各目标因素的权重，建立指标因素集到评价集的模糊映射，利用加权平均模型M（＊，＋）进行模糊矩阵运算，得到信用风险综合评价结果，按最大隶属度原则判断其所属的类型．     

基于模糊影响图方法的商业银行信用风险评估

综合应用模糊集与影响图理论建立了模糊影响图方法,将其模型引入商业银行信用风险评估,在确立了商业银行信用风险评价指标体系的基础上,建立了基于模糊影响图的商业银行信用风险评估模型,说明了该模型的有效性.     

关于商业银行信用风险评估方法的研究

贷款客户信用风险的控制是商业银行经营管理中最为重要的一个组成部分，而信用风险预警系统的建立则能够良好地起到控制的作用．目前，我国银行界普遍采用经验性的判断来进行风险评估，运用现代统计方法，对商业银行信用风险评估和预警模型进行了研究．     

信用卡业务的信用风险问题及防范

伴随着信用卡业务在我国的高速发展，信用卡风险也层出不穷，如何有效管理和控制风险，已成为发卡行关注的重点。本文介绍了信用卡的信用风险．分析了信用风险形成的原因，提出了加强信用风险管理的建议。     

商业银行信用风险评估中"拒真纳伪"两类错误的平衡控制研究

在信用风险评估过程中不可避免的会出现“拒真纳伪”两类错误．本通过对“拒真纳伪”两类错误在商业银行企业信用风险评估中不同影响的分析比较．选择支持向量机(SVM)作为信用风险评估的建模工具．并利用实际数据对两类错误的平衡控制进行了研究．实验结果表明．在SVM模型中．选取一个适当的损失比例系数．能在保证整体准确率较高的前提下，有效的降低第一类错误率．这在实际应用中具有反映问题本质的现实意义。     

存款市场竞争对农村商业银行信用风险的影响——基于商业银行流动性的视角

基于2015—2020年我国235家农村商业银行的样本数据，利用固定效应模型研究存款市场竞争对农村商业银行信用风险直接和间接的影响。研究发现：存款市场竞争的加剧会直接提高农村商业银行的信用风险；存款市场竞争可以通过影响农村商业银行的流动性间接提高信用风险；通过异质性分析发现，相较于国有农村商业银行，我国非国有农村商业银行中存款市场竞争与信用风险的正向关系更为显著；农村商业银行的盈利能力越高，存款市场竞争对其信用风险的负面影响越弱。     

商业银行信用风险评估混合软计算系统

用混合软计算方法建立商业银行的信用风险评估系统。分别采用BP算法和遗传算法建立模型，并将二者结合，形成混合软计算方法。分析结果表明，混合软计算方法的确发挥了各种计算技术的整合效果，能够增强评估的可靠性。     

CreditRisk+模型与中国商业银行信用风险管理

信用风险是导致银行资产质量下降的主要原因，也是中国商业银行面临的严重挑战之一.在学习和借鉴国外的先进信用风险管理经验的基础上，结合目前中国商业银行的实际，全面评介了CreditRisk+模型，并与目前中国商业银行的风险度管理模型进行了对比，指出选择CreditRisk+模型作为中国商业银行贷款信用分析的管理模型，为商业银行的风险管理提供了新的研究思路.     

改进贝叶斯算法的商业银行信用风险评估模型

运用主成分分析法提取贡献率较高的财务指标,采用改进的贝叶斯算法建立了某商业银行的信用风险评估模型,期取得了较好的预测分类效果。     

现代信用风险度量模型在商业银行信用风险管理中的应用

重点介绍了两个具有代表性的现代信用风险度量模型(CreditMetrics模型和KMV模型)的基本思想,并进行了模型分析,同时探讨了现代信用风险度量模型在我国商业银行应用的制约因素,就如何提高我国商业银行信用风险量化分析和管理技术提出了一些设想和建议。     

An Index mechanism for multi-scale view in spatial databases

There are numerous geometric objects stored in the spatial databases. An importance function in a spatial database is that users can browse the geometric objects as a map efficiently. Thus the spatial database should display the geometric objects users concern about swiftly onto the display window. This process includes two operations:retrieve data from database and then draw them onto screen. Accordingly, to improve the efficiency, we should try to reduce time of both retrieving object and displaying them. The former can be achieved with the aid of spatial index such as R-tree, the latter require to simplify the objects. Simplification means that objects are shown with sufficient but not with unnecessary detail which depend on the scale of browse. So the major problem is how to retrieve data at different detail level efficiently. This paper introduces the implementation of a multi-scale index in the spatial database SISP (Spatial Information Shared Platform) which is generalized from R-tree. The difference between the generalization and the R-tree lies on two facets: One is that every node and geometric object in the generalization is assigned with a importance value which denote the importance of them, and every vertex in the objects are assigned with a importance value,too. The importance value can be use to decide which data should be retrieve from disk in a query. The other difference is that geometric objects in the generalization are divided into one or more sub-blocks, and vertexes are total ordered by their importance value. With the help of the generalized R-tree, one can easily retrieve data at different detail levels.Some experiments are performed on real-life data to evaluate the performance of solutions that separately use normal spatial index and multi-scale spatial index. The results show that the solution using multi-scale index in SISP is satisfying.     

Perspherical Approaches for Electrons in Atoms and Charged Excitons in Quantum Wells

Instead of following Fock’s expansion,we solve the Schrodinger equation for some quantum mechanical manybody systems such as electrons in atoms and charged excitons in quantum wells in a similar way in hyperspherical coordinates by expanding the wave functions into orthonormal complete basis sets of the hyperspherical hannonics(HHs)of hyperangles and generalized Laguerre polynomials(GLPs)of the hyperradius.This leads the equation to     

Advances in broadband wireless communications under high-mobility scenarios

Future mobile communication systems aim at providing very high data transmission rates, even in high-mobility scenarios such as high-speed wheel-track trains, maglev trains, highway vehicles, airplanes, guided missiles or spacecraft. A particularly important commercial application is the strong and increasing worldwide demand for high- speed broadband wireless communications （up to 574.8 km/ h test speeds or 380 km/h commercial speeds） in railways, providing data, voice and video services for applications such as onboard entertainment services to passengers, train control, train dispatch, train sensor status handling and sur- veillance. In such high-mobility scenarios, there are a number of communication challenges, including fast hand- over, location updating, high-speed channel modeling, estimation and equalization, anti-Doppler spreading tech- niques, fast power control, and dedicated network architec- ture. Because signal transmission in very high-speed scenarios will inevitably experience serious deterioration, it is imperative to develop key broadband mobile communi- cation techniques for such high-speed vehicles.     

Wuhan University Journal of Natural Sciences TOTAL CONTENTS

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Scale-based spatial data model for GIS

Being the primary media of geographical information and the elementary objects manipulated, almost all of maps adopt the layer-based model to represent geographic information in the existent GIS. However, it is difficult to extend the map represented in layer-based model. Furthermore, in Web-Based GIS, It is slow to transmit the spatial data for map viewing. In this paper, for solving the questions above, we have proposed a new method for representing the spatial data. That is scale-based model. In this model we represent maps in three levels: scale-view, block, and spatial object, and organize the maps in a set of map layers, named Scale-View, which associates some given scales.Lastly, a prototype Web-Based GIS using the proposed spatial data representation is described briefly.     

Features of Women''s language

Language is a means of verbal communication. People use language to communicate with each other. In the society, no two speakers are exactly alike in the way of speaking. Some differences are due to age, gender, statue and personality. Above all, gender is one of the obvious reasons. The writer of this paper tries to describe the features of women＇s language from these perspectives： pronunciation, intonation, diction, subjects, grammar and discourse. From the discussion of the features of women＇s language, more attention should be paid to language use in social context. What＇s more, the linguistic phenomena in a speaking community can be understood more thoroughly.     

英文诗歌中的喻类修辞

为了有助于提高英文爱好者的个人情操、文化素养和学习兴趣,以及专业人员对英语学习和研究进行多途径的探索,本文通过一些精选诗歌的引证和分析,着重论述了喻类修辞法在英文诗歌中的运用其及效果。     

Man Is Unable to Change the Miserable Life——Analysis of the Arrangement of Four Characters in The Glass Menagerie

Tennessee Williams is considered as one of the most important American playwrights since World War II.The Glass Menagerie is his first successful drama,which describes a tragic situation of family and means to say that Man is unable to change the miserable life,no matter whatever means he try,This essay focuses on the analysis of the arrangement of the four main characters:Laura.Amanda,Jim and Tom to reveal the theme.Laura is fragile.Amanda is brave.Jim is vital.Tom is sensible.And all of them develop and try the different means to struggle against life,but fail tragically.With the evidence,the paper comes to conclusion naturally that Man is unable to change the miserable life,and he dooms to fail.     

Characterization of root-nodulating bacteria on Retama raetam in arid Tunisian soils

The aim of this study is to investigate the diversity of Retama raetam root-nodule bacteria isolated from arid regions of Tunisia. Twelve isolates, chosen as representative for different 16S rRNA gene patterns, were characterized by 16S rRNA gene sequencing and phenotypic analysis. Isolates were assigned to Sinorhizobium, Rhizobium and Agrobacterium. Symbiotic properties of Sinorhizobium and Rhizobium isolates showed a large diversity in their capacity to infect their host plant and fix atmospheric nitrogen. Strain RK 22 identified as Rhizobium was the most effective isolate.     

An Affordable Accurate Evaluation of the Binding Conformations Predicted by Molecular Docking Studies in Bio-System

正Recently,docking has been widely used to predict the binding-modes of protein-inhibitors,when the crystal complexes structure was absent.Most docking algorithms are able to generate a large number of probable conformations,it,however,is difficult to effectively evaluate these docking poses and identify the most reasonable bindingmode.In the present study,on the basis of the crystallographic data of human 3-hydroxy-3-methylglutaryl coenzyme