基于评论特征提取和隐因子模型的评分预测推荐系统

评分预测是推荐系统研究的核心问题,通过用户的历史行为来预测用户对商品的评分,根据评分高低来推荐用户喜欢的商品.当前基于评论评分预测推荐系统普遍只使用卷积神经网络捕获局部特征或者循环神经网络捕获全局特征,忽略了将这两类特征的有效融合.针对现存问题,本文提出基于评论特征提取和隐因子模型的评分预测推荐模型,使用自适应感受野的卷积神经网络(CNN)提取局部特征,同时使用门控循环单元(GRU)提取全局特征,将不同特征融合为评论的嵌入表达.再结合隐因子模型(LFM)对用户的特征偏好和商品的特征属性进行建模.最后,通过对用户和商品的嵌入表达进行评分预测.实验结果表明,本文模型在5个数据集上均高于现有基线模型.     

基于KMV模型的商业银行信贷风险度量研究

应用KMV模型对商业银行信贷风险度量问题进行深入研究.应用Matlab软件,以六家上市公司的数据为基础进行实证分析,发现评价指标违约距离和违约概率对于上市公司的信贷风险状况评价具有实用性,但个别公司的指标值与其财务状况不一致,说明KMV模型在应用中还存在需要改进之处.最后提出相应的合理化的建议,以提高其准确度.     

F#-Time, Functions and Processes: Towards Sustainable Investment Risk Benchmarks

‘I made a mistake’: Alan Greenspan (Financial Times: Alan Beattie and James Politi: Washington, 23rd October 2008). Such are the words of great men, for even in troubled times their self-effacing manner provides useful guidance. Whilst Mr Greenspan may feel this way, he is a product of his environment, one that has seen the cumulative development of financial instruments and strategies that have not been thought through as to their impact on a complex economy. Mainly this is because risk is thought to be discrete and the methods used to price it are flawed. To an engineer the control of a machine is built-in. Although the economy is not a machine, but an intensely connected complex of ever emerging businesses, the process of control needs to be structured in a similar manner. Pricing investment risk in this environment should never have been left to opaque institutions, or processes that do not recognise the co-dependencies of business and systemic functionality. To do so is to ignore the correlation of events in a highly connected world. These events are dynamic and conditional, whose outturns are unknowable. This does not mean unmanageable, but that the control process be built-in to businesses and government in a consistent manner, transparent yet using different parameters. Transparent means that data, assumptions and processes need to be monitored and published in timely manner. As far as accounting for results is concerned it should be recognised that budgeting and reporting to investors is founded on dynamic processes that are therefore changeable; usually out of date; and co-dependent upon others within a complex dynamic network that is both internal and external to the business. The works of Stafford Beer (Brain of the Firm, Heart of the Enterprise, Diagnosing the System) Fredrick Vestor (The Art of Interconnected Thinking) and others are examples of how to manage the internal dynamics of a business and point to a methodology that synthesises the approaches of investors such as Warren Buffett so that extreme outcomes such as the Credit-Crunch 2008 can be reduced in frequency but investors are free to ‘take their risks’. This research aims to compare two extreme events in the financial arena, the ‘Reinsurance Spiral of the late 1980s’ and the ‘2008 Credit-Crunch’, show their commonalities and propose methods that supply liquidity in all but gross systemic failure and allow investment risk to be more ably assessed and priced. It is not meant to be an exhaustive analysis but one focused on how ignoring the proper relationship of time, functions and processes brought about the current problem in both insurance and the capital markets and how a solution may be found. This research note offers an overview on the ongoing PhD research on the topic.

基于最近邻法和支持向量机的个人信用评估方法

本文针对两类个人信用数据混叠较严重的数据集,提出对数据集先利用最近邻算法进行修剪,再应用SVM算法对个人信用进行评估的NN—SVM方法。仿真实验表明基于NN—SVM算法的个人信用评估方法比直接用SVM算法进行分析来的更加准确。同时,对比RBF_LS—SVM,Linear LS-SVM,Region single tree等算法的结果,发现NN—SVM算法明显优于其它算法。     

实施学分制教学管理模式的实践与思考

学分制是以学分作为计量单位衡量学生完成学业状况的教学管理制度,具有与学年制不同的开放性、民主性、柔性和多样性。在实施学分制中,要转变教育教学观念,健全学分制教学管理制度,制定学分制人才培养方案,做好学分制学生选课管理,构建学分制教学管理系统,实行学分制收费改革。今后要进一步完善学分制教学管理模式,主要是制定柔性化的培养方案;构建弹性化的教学体系;实行个性化的教学管理;实施全程化的导师制度;开展常态化的教学质量监控。     

对会计方程式中负债项目的分析

本文是根据会计方程式中“负债”这一会计要素提出的两种思考，以论述它在理论上和企业经营中的应用价值．     

我国信用担保机构风险管理研究

近年来,我国信用担保机构发展迅速,为解决中小企业融资难问题发挥日益显著的作用,但同时也积累了大量的风险。担保机构需要通过建立良好的风险预警系统、构建风险综合指标体系,提高自身抵御风险的能力。     

关于某地区建筑市场信用评估系统研究

健全社会信用体系是党中央、国务院的重大战略决策.建立健全社会信用体系,形成以道德为支撑、产权为基础、法律为保障的社会信用制度,是建设现代市场体系的必要条件,也是规范市场经济秩序的治本之策.诚信友爱是和谐社会的基本特征,建设社会信用体系是构建和谐社会的必然要求,要加强政务诚信、商务诚信、社会诚信建设,增强全社会诚实守信意识.     

基于新疆工科中职学校学分制应用模式研究现存问题分析

中职学校学分制应用一直是我国职业教育领域关注的焦点。本文以新疆水利水电学校部分专业在试行学分制过程中所存在的问题为例,提出了相应的改进意见。     

我国民间金融发展中的问题及对策研究

民间金融本身具有不可替代性,它弥补了正规金融机构的不足,为民间借贷等提供了渠道。然而,我国民间金融在其发展过程中还存在许多问题:利率不稳定和难以控制、风险巨大且难以得到法律的保护,给国家宏观调控带来诸多困难。因此,国家必须对我国的农村民间金融加以规范,如明确民间金融的合法地位、加强监管和规范、完善民间金融避险机制以更好地促进我国的民间金融的发展。