高校图书馆与大学生诚信教育

阐述了诚信的含义,分析了高校大学生诚信缺失的现象及其原因,提出对高校大学生实行诚信教育的必要性,论述了高校图书馆在大学生诚信教育中的作用。     

浅议我国银团贷款发展的制约因素及对策

分析了银团贷款的特点和优势,概述了我国银团贷款发展现状及制约因素,阐述了大力推进我国银团贷款发展的对策建议。     

Business failure prediction using decision trees

Accurate business failure prediction models would be extremely valuable to many industry sectors, particularly financial investment and lending. The potential value of such models is emphasised by the extremely costly failure of high‐profile companies in the recent past. Consequently, a significant interest has been generated in business failure prediction within academia as well as in the finance industry. Statistical business failure prediction models attempt to predict the failure or success of a business. Discriminant and logit analyses have traditionally been the most popular approaches, but there are also a range of promising non‐parametric techniques that can alternatively be applied. In this paper, the relatively new technique of decision trees is applied to business failure prediction. The numerical results suggest that decision trees could be superior predictors of business failure as compared to discriminant analysis. Copyright © 2009 John Wiley & Sons, Ltd.     

Retail default prediction by using sequential minimal optimization technique

This paper employed sequential minimal optimization (SMO) to develop default prediction model in the US retail market. Principal components analysis is used for variable reduction purposes. Four standard credit scoring techniques—naïve Bayes, logistic regression, recursive partitioning and artificial neural network—are compared to SMO, using a sample of 195 healthy firms and 51 distressed firms over five time periods between 1994 and 2002. The five techniques perform well in predicting default particularly one year before financial distress. Furthermore, the prediction still remains sound even 5 years before default. No single methodology has the absolute best classification ability, as the model performance varies in terms of different time periods and variable groups. External influences have greater impacts on the naïve Bayes than other techniques. In terms of similarity with Moody's ranking, SMO excelled over other techniques in most of the time periods. Copyright © 2008 John Wiley & Sons, Ltd.     

浅析我国商业银行信贷风险管理

目前我国商业银行的主要收益来源于信贷业务,信贷风险是银行首先要考虑的主要风险。通过优化信贷风险管理流程,强化信贷风险责任考核机制和培养浓厚的信贷风险文化等途径可以加强我国商业银行的信贷风险管理。     

Dempster-Shafer （D-S） algorithm with credit scale in spectrum sensing

In cognitive radio, the detection probability of primary user affects the signal receiving performance for both primary and secondary users significantly. In this paper, a new Dempster-Shafer (D-S) algorithm with credit scale for decision fusion in spectrum sensing is proposed for the purpose to improve the performance of detection in cognitive radio. The validity of this method is established by simulation in the environment of multiple cognitive users who know their signal to noise ratios (SNR) and a central node. The channels between the cognitive users and the central node are considered to be additive white Gaussian noise (AWGN). Compared with traditional data fusion rules, the proposed D-S algorithm with credit scale provides a better detection performance.     

浅析企业产品质量管理

产品质量决定企业经济效益,关系到企业的兴衰成败。通过分析影响产品质量的因素,提出了提高企业产品质量的途径。     

基于信贷网络的经济波动和风险传染研究

通过建立由银行和企业组成的两部门网络经济系统,研究主体之间的交互机制对经济波动和风险传染的影响.研究结果表明:基于信贷关系形成的经济网络在复杂的交互机制作用下会产生宏观层面的经济波动,单个银行和企业破产可能导致风险传染,而经济系统的网络结构对风险传染的产生重要影响.     

浅谈企业应收账款管理存在的问题与对策

在市场经济迅猛发展的今天,市场竞争日益激烈。企业为了扩大产品销售规模,增强企业竞争力,通常采取赊销和分期付款等方式招揽顾客,从而形成应收账款。目前,企业间相互拖欠货款现象严重,应收账款不能及时收回,导致企业资金周转困难。文章针对企业应收账款管理存在的一些问题,提出解决对策,同时,借鉴西方管理模式,提出应收账款的新思路——保理业务。     

安徽省普通高校体育理论统考试卷质量分析

１９９３年６月２日，安徽省教委体卫处组织了全省高校９２级学生（非体育专业）首次体育理论统考。本文从安徽师大考场一千多份试卷中，随机抽取部分试卷，对学生成绩的分布趋势、试题的数量与质量进行统计分析，从而为今后更好地进行非体育专业术科课程的理论考试命题工作提供参考。