企业实施电子商务的风险与对策探析

本文首先介绍电子商务风险,然后将电子商务风险分为内部风险和外部风险两种,其中内部风险包括技术风险、管理风险等;外部风险包括信息风险、信用风险等。这些风险的存在给企业的进一步发展提出了挑战,最后着力研究有关风险的防范对策。     

基于模糊层次综合方法的企业内部风险评价

企业的风险管理水平成为决定企业持续发展的关键因素,风险分析与评价是目前风险管理研究中的热点领域.按照企业面临风险的特征,将企业的内部风险因素指标分为组织风险、决策风险、营业风险、财务风险、技术风险、人力资源风险、企业信息风险和信用风险8大类 .在此基础上,提出同时采用层次分析法和主成分分析法进行风险发生概率的评价,必要时辅以模糊综合评价技术对企业内部风险进行分析评价,以提高企业内部风险评价的准确性和科学性.     

优质客户信用风险的防范

尽管银行绝大部分利润来自于优质客户，但优质客户的信用风险也不容忽视。本文不仅从客户诚信缺损，银行风险控制不严等方面分析优质客户出现信用风险的直接原因，而且从信息不对称、法律体制和监管上存在的漏洞等方面分析了优质客户出现信用风险的深层次原因，进而提出相应的改进措施以防范风险。     

个人房贷信用风险产生的原因及其规避方法

从分析个人房贷风险是什么入手，提出个人房贷信用风险产生的原因是信息不对称和道德风险，并针对信息不对称介绍了个人房贷信用风险规避的3种方式信号传递、信息甄别和中介服务。     

交易成本对开发商绿色建筑开发决策的影响

采用交易成本经济学和博弈论的方法对开发商对具有投资潜力的绿色建筑开发持怀疑态度的原因进行了深入研究.构建了2类开发商主体在3类市场情境下的博弈模型,分析其决策均衡收益,研究发现绿色建筑市场的交易成本(如有限理性、机会成本、信息不对称以及系统风险等)对开发商的决策有很大影响.总结了模型研究的价值和政策意义,提出减少交易成本、完善绿色建筑市场的政策建议.     

论我国商业银行对信用风险管理工作的改进

商业银行在经营活动过程中,主要面临着信用风险、市场风险、其他风险等风险。其中,伴随借贷行为产生的信用风险无疑是最重要的风险。与市场风险相比,信用风险具有收益分布的可偏性、信用风险数据获取的困难性以及信用风险非系统性等特点。银行信用风险管理一直以来就是金融机构及其监管部门最关心的问题之一,本文主要探讨如何将信用风险限制在可以接受的范围内而获得最高的风险调整收益。     

高校内部审计风险及管理机制探析

高校内部审计机构的相对独立性、经济管理的复杂性,范围的广泛性、审计手段和方法的相对落后性等因素,决定了高校内部审计风险的客观存在.高校内部审计风险兼有一般企业内部审计风险的特点和自身独有的特点.本文论述了高校内部审计风险的特点以及产生的原因,提出了防范和控制审计风险的管理机制.     

跨境电商支付信用风险形成机制

在跨境电商支付的实务中,由支付的“跨境性”所导致的信用、汇率、法律、技术等诸多风险常常发生.借助信用风险理论,结合跨境电商支付的具体情境、环节和实务的分析,探讨了跨境电商支付信用风险的各种形成机制.初步勾画出跨境电商支付信用风险发生机制的系统结构,即主动违约风险形成机制和被动违约风险形成机制.     

不完全分散化投资组合模型研究

传统的套利模型假设条件中不含有交易成本,在给定收益率的情况下通过分散化投资来减小风险,然而在实际市场交易中交易成本是存在的.结合经济学中交易成本概念,本文建立了新的含有交易成本的套利投资组合模型,得出了在考虑交易成本后给定收益率的情况下投资是不完全分散化的结论.     

信用衍生产品及信用违约互换的定价

信用衍生产品(CD)是一种于20世纪90年代在国际金融市场兴起的新型信用风险管理工具,它成功的把信用风险从资产中分离出去,改变了商业银行传统的信用风险管理机制,得到了迅速发展。本文介绍了该产品的种类,并着重阐述了CD的主要品种——信用违约互换(CDS)的特征,并在风险中性假设下得到了CDS定价公式。     

Markedness and its Interpretation in Language Use

Language markedness is a common phenomenon in languages, and is reflected from hearing, vision and sense, i.e. the variation in the three aspects such as phonology, morphology and semantics. This paper focuses on the interpretation of markedness in language use following the three perspectives, i.e. pragmatic interpretation, psychological interpretation and cognitive interpretation, with an aim to define the function of markedness.     

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.     

An Analysis of Catherine＇s Character——Wuthering Heights

Wuthering Heights, Emily Bronte＇s only novel, was published in December of 1847 under the pseudonym Ellis Bell. The book did not gain immediate success, but it is now thought one of the finest novels in the English language. Catherine is the key character of this masterpiece, because everybody and everything center on her though she had a short life. We can understand this masterpiece better if we know Catherine well.     

Lower Paleozoic oil relationships within Williston Basin, Canada

The Williston Basin is a significant petroleum province, containing oil production zones that include the Middle Cambrian to Lower Ordovician, Upper Ordovician, Middle Devonian, Upper Devonian and Mississippian and within the Jurassic and Cretaceous. The oils of the Williston Basin exhibit a wide range of geochemical characteristics defined as "oil families", although the geochemical signature of the Cambrian Deadwood Formation and Lower Ordovician Winnipeg reservoired oils does not match any "oil family". Despite their close stratigraphic proximity, it is evident that the oils of the Lower Palaeozoic within the Williston Basin are distinct. This suggests the presence of a new "oil family" within the Williston Basin. Diagnostic geochemical signatures occur in the gasoline range chromatograms, within saturate fraction gas chromatograms and biomarker fingerprints. However, some of the established criteria and cross-plots that are currently used to segregate oils into distinct genetic families within the basin do not always meet with success, particularly when applied to the Lower Palaeozoic oils of the Deadwood and Winnipeg Formation.     

低渗透非均质砂岩油藏启动压力梯度研究

理论推导与室内实验相结合,建立了低渗透非均质砂岩油藏启动压力梯度确定方法。首先借助油藏流场与电场相似的原理,推导了非均质砂岩油藏启动压力梯度计算公式。其次基于稳定流实验方法,建立了非均质砂岩油藏启动压力梯度测试方法。结果表明:低渗透非均质砂岩油藏的启动压力梯度确定遵循两个等效原则。平面非均质油藏的启动压力梯度等于各级渗透率段的启动压力梯度关于长度的加权平均;纵向非均质油藏的启动压力梯度等于各渗透率层的启动压力梯度关于渗透率与渗流面积乘积的加权平均。研究成果可用于有效指导低渗透非均质砂岩油藏的合理井距确定,促进该类油藏的高效开发。     

On Tragic Consciousness In The Works By Ernest Hemingway

As an American modern novelist who were famous in the literary world, Hemingway was not a person who always followed the trend but a sharp observer. At the same time, he was a tragedy maestro, he paid great attention on existence, fate and end-result. The dramatis personae's tragedy of his works was an extreme limit by all means tragedy on the meaning of fearless challenge that failed. The beauty of tragedy was not produced on the destruction of life, but now this kind of value was in the impact activity. They performed for the reader about the tragedy on challenging for the limit and the death.     

Design and analysis of generic LBS application developing platform

Location based services is promising due to its novel working style and contents.A software platform is proposed to provide application programs of typical location based services and support new applications developing efficiently. The analysis shows that this scheme is easy implemented, low cost and adapt to all kinds of mobile nework system.     

Achieving Unusual States of Matter Under High Pressure

正The periodicity of the elements and the non-reactivity of the inner-shell electrons are two related principles of chemistry,rooted in the atomic shell structure.Within compounds,Group I elements,for example,invariably assume the+1 oxidation state,and their chemical properties differ completely from those of the p-block elements.These general rules govern our understanding of chemical structures and reactions.Using first principles calcula-     

Exchange-Correlation and Electronic Excitation Energies from Pairing Matrix Fluctuations

We have developed an adiabatic connection to formulate the ground-state exchange-correlation energy in terms of pairing matrix linear fluctuations.This formulation of the exchange-correlation energy opens a new channel for density functional approximations based on the many-body perturbation theory.We illustrate the potential of such approaches with an approximation based on the particle-particle Random Phase Approximation(pp-RPA).This re-     

Density Functional Theory for the Response of Periodic Systems to Electric Fields Based on the Vector Potential Approach

正The electronic and nuclear(structural/vibrational)response of 1D-3D nanoscale systems to electric fields gives rise to a host of optical,mechanical,spectral,etc.properties that are of high theoretical and applied interest.Due to the computational difficulty of treating such large systems it is convenient to model them as infinite and periodic(at least,in first approximation).The fundamental theoretical/computational problem in doing so is that