论闽台经贸交流与合作的机遇与挑战

闽台经贸交流与合作对促进两岸联系，加快推进祖国和平统一有着重要的意义。立足于这一思路，探讨了在新形势下，闽台经贸交流与合作面临的机遇和挑战，提出了应采取的策略。     

经济新常态下商业银行不良贷款的实证分析

随着我国经济步入新常态,经济增速放缓,商业银行的不良贷款问题也面临新的挑战,不良贷款总额一直在高位徘徊。在此大背景下,考察了我国商业银行不良贷款现状及成因,详细分析了其主要影响因素,联合运用了因子分析、线性回归模型对商业银行不良贷款进行实证研究,同时提出政策建议。     

CFRP在商用车白车身驾驶室中的轻量化研究

通过实验与仿真建立了CFRP复合材料的本构模型.对某商用车白车身驾驶室进行静刚度和动态力学分析,在满足驾驶室车身刚度要求的条件下,选取CFRP复合材料对驾驶室模型进行材料代替,设计了钢/CFRP混合材料结构的驾驶室模型,并以通用有限元软件nastran对其求解.仿真结果表明,轻量化后的驾驶室模型的刚度基本保持不变,一阶扭转频率提升了27.3%,同时白车身驾驶室整体质量下降37.9 kg,降幅达到11.3%,轻量化效果显著,CFRP复合材料在汽车轻量化领域具有广阔的发展前景.     

Effect of cold rolling process on microstructure and mechanical properties of high strength β titanium alloy thin sheets

The microstructure and mechanical properties of Ti-3.5Al-5Mo-6V-3Cr-2Sn-0.5Fe high strength titanium alloy sheets prepared by unidirectional cold rolling and two-step cross cold rolling were investigated. Results showed that the β phase grains were refined significantly by cold rolling followed by solution treatment for a short time.Compared to unidirectional cold rolling, the short time solution treatment after two-step cross rolling could significantly reduce the non-uniformity of the microstructure of the alloy sheets. After aging treatment at 550 ℃,the anisotropy of the mechanical properties still existed in the unidirectional rolled sheets, and the tensile strength was highest along the rolling direction. After solution and aging treatment, the anisotropy of the mechanical properties of the two-step cross rolling process sheet was not obvious than unidirectional cold rolling,and alloy had good strength and plasticity matching.     

试析我国商业银行如何应对利率市场化

利率反映资金的价格，市场化可以提升市场资金配置的效率。国际实践表明，在经济发展的过程中，如何让资金资源得到最优化的配置，让利率成为资金供给市场的风向标，是利率市场化的重点，也是我国金融改革的重点所在，我国商业银行也会因此受到重大影响。     

电化学合成重铬酸钾阳极的制备和电催化性能

针对电化学合成重铬酸钾绿色新技术,采用涂层自组装方法制备了钛基铱氧化物中间层钌铱钛氧化物复合电极(Ti/IrO_2/RuO_2-IrO_2-TiO_2).利用扫描电镜、X射线衍射分析了电极的微观结构和表面形貌,并采用循环伏安法研究了电极的电催化性能.结果表明,电极表面RuO_2-IrO_2-TiO_2柱状结晶规则均匀,并有明显空隙.电极在阳极液中析氧过电位较低,并具有稳定的较高的电催化活性.     

货币政策、商业银行风险与监管

货币政策是国家宏观调控的重要手段,然而以往的货币政策理论均只关注货币供给和银行信贷总量的变化,忽视了货币政策对银行信贷质量和风险承担的影响。本文通过对货币政策风险承担机制的阐述,从货币政策出发,分析商业银行风险承担变化,强调了货币政策与银行风险之间的关系,并对监管机构监管策略的调整提出了政策性建议。     

Electrorheological effect of Ti-bearing blast furnace slag with different TiC contents at 1500℃

The electrorheological properties of CaO–SiO2–Al2O3–MgO–TiO2–TiC slags were investigated to enhance understanding of the effect of TiC addition on the viscosity, yield stress, and fluid pattern of Ti-bearing slags in a direct-current electric field. The viscosities and shear stresses of 4wt% and 8wt% TiC slags were found to increase substantially with increasing electric field intensity, whereas virtually no rheological changes were observed in the 0wt% TiC slag. The Herschel–Bulkley model was applied to demonstrate that the fluid pattern of the 4wt% TiC slag was converted from that of a Newtonian fluid to that of a Bingham fluid in response to the applied electric field; and the static yield stress increased linearly with the square of the electric field intensity.     

开封市特色商业区建设探讨

2012年,河南省商务中心区和特色商业区建设规划制定工作全面启动,开封市特色商业区建设也全面提上议事日程。开封市特色商业区建设应在管理模式上进行创新;要进行整体规划,引导商户错位经营;要注意整体风格的营造,使之与城市风格保持一致;要完善服务功能,使之配套齐全;要搞好交通规划,处理好交通与商品流通之间的矛盾。总之,应统筹安排、科学实施,充分发挥特色商业区在促进开封经济社会协调发展中的重要作用。     

核电站凝汽器用钛焊管蒸汽腐蚀疲劳性能研究

测定了国产和进口核电站凝汽器用钛焊管在室温大气和人工海水100 ℃水蒸汽介质中的疲劳性能，同时采用扫描电子显微镜对疲劳断口进行了观察，探讨了钛焊管的蒸汽腐蚀疲劳机理。研究结果表明：国产钛焊管与进口钛焊管的疲劳寿命较为接近，水蒸汽氛围大幅度降低了钛焊管的疲劳寿命；疲劳试样的裂纹均萌生于钛焊管焊缝区域的外表面，多为多源萌生，裂纹扩展均以条纹机理为主；断口处有少量二次裂纹，未发现沿晶断裂及周期解理断裂特征，静断区断口形貌为韧窝；从蒸汽腐蚀疲劳试样中，未能观察到明显的腐蚀产物；钛焊管的蒸汽疲劳腐蚀是交变应力和电化学腐蚀交互作用的结果。