A multiple intelligent agent system for credit risk prediction via an optimization of localized generalization error with diversity

Company bankruptcies cost billions of dollars in losses to banks each year. Thus credit risk prediction is a critical part of a bank＇s loan approval decision process. Traditional financial models for credit risk prediction are no longer adequate for describing today＇s complex relationship between the financial health and potential bankruptcy of a company. In this work, a multiple classifier system （embedded in a multiple intelligent agent system） is proposed to predict the financial health of a company. In our model, each individual agent （classifier） makes a prediction on the likelihood of credit risk based on only partial information of the company. Each of the agents is an expert, but has limited knowledge （represented by features） about the company. The decisions of all agents are combined together to form a final credit risk prediction. Experiments show that our model out-performs other existing methods using the benchmarking Compustat American Corporations dataset.     

Enatioselective[2 2 2] Cycloaddition as A Synthetic Tool

1 Results Transition metal-catalyzed [2 2 2] cycloaddition is one of the most efficient protocols for the construction of six-membered ring system.Our group has comprehensively studied various types of highly enantioselective [2 2 2] cycloaddition for the synthesis of chiral cycloadducts; we already reported an iridium-catalyzed intermolecular [2 2 2] cycloaddition between α,ω-diynes,having various tethers and substituents on the alkyne termini,and monoalkynes,possessing oxygen or/and nitrogen functiona...     

Photo Catalytic Oxidation of Alcohols in Water under Natural Weathering Conditions in the Presence of Bromo Source

1 Results The oxidation of alcohols into the corresponding carbonyl compound is one of the most important functional group transformation in organic synthesis[1]. Traditionally,such transformations have been performed with stoichiometric inorganic oxidant or other high valent metal oxidant[2]. Despite a variety of systems for the catalytic oxidation of alcohols have been developed,there is ongoing interest in the search for new efficient and environmental friendly oxidation system.To the best of our kno...     

Molecular dynamics simulation and continuum modelling of granular surface flow in rotating drums

Numerical simulations of granular flows in rotating drums operated at medium to high rates (Fr=0.1― 0.2) have been carried out by using a Molecular Dynamics (MD) algorithm that incorporates inelastic particle interactions, sliding friction and rolling friction. The results indicate that the behavior of granular flow in rotating drums can be classified into two distinct zones: a shear active layer at the bed surface and a quasi-static plug flow region adjacent to the wall. The residence time of a tracer particle in the active layer is approximately a third or a half of that in the plug flow region. The thickness of the active layer at mid-chord is about 0.57―0.61 times that of the plug flow region. It is found that all cases simulated in this work are in the rolling-cascading intermediate regime instead of the pure rolling re-gime. The simulated tangential velocity at the mid-chord is also compared with experimental results reported in the literature and good agreement has been obtained. Based on the MD simulations and experimental results, a continuum approach has also been developed. It is shown that the behavior of granular solids in the plug flow region experiences plastic deformation along the radial direction from the wall with the velocity profiles well described by an exponential function, whereas the active layer velocity follows a simple expression for the Couette shear flow. Discussion has also been made on the granular temperature and concentration profiles.     

Pigment granules in choroidal melanophores of the albino goldfish.

Pigment granules in choroidal melanophores of the albino goldfish contained fine particulate materials which were in various degrees aggregated in clumps. Tyrosinase was considered to be present in an inhibited state in these pigment granules.     

Sylvaticin: a new cytotoxic and insecticidal acetogenin from Rollinia sylvatica (Annonaceae)

Sylvaticin (I), a new tetrahydroxy annonaceous acetogenin with nonadjacent tetrahydrofuran rings, has been isolated from the dried fruits of Rollinia sylvatica St. Hil. (Annonaceae). This compound is extremely cytotoxic to human tumor cells and shows promising insect control properties.     

Formation of lipoperoxide in isolated sciatic nerve by chinoform-ferric chelate.

Effects of chinoform and chinoform-ferric chelate on formation of lipoperoxide in isolated sciatic nerve were investigated. Free chinoform did not increase the lipoperoxide level, while chinoform-ferric chelate significantly increased it. Assuming that the lipoperoxide formed denatures the associated protein in the nerve, the effect of chinoform-ferric chelate could explain, at least partly, the demyelination of nerve tissues caused by massive doses of chinoform.