我国建立个人信用体系的问题探讨

完善的市场经济离不开信用经济,我国目前的个人信用经济还不太发达,主要是信用保证缺失,没有完善的个人信用体系。要发展我国的个人信用经济就要打破这个桎梏,学习外国先进经验,结合我们自身的实际,阶段性地建立我国的个人信用体系。     

浅析虚拟社区知识共享中存在的问题及对策

分析了虚拟社区知识共享中存在的信息过剩和信任缺失问题,从制度和技术两方面探讨了解决问题的策略,阐述了在移动环境中运用协同过滤进行个性推荐的发展现状与改进方式。     

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。     

多酸衍生物非线性光学性质的理论研究新进展

近年来,分子基非线性光学材料因其优异的非线性光学特性受到了人们集中的关注,多金属氧酸盐具有多样的结构和良好的电子性质,作为优良的无机构筑模块参与到分子设计中,可以获得有较好应用前景的非线性光学材料.本文在微结构非线性光学材料方面综合概述了Keggin型和Lindqvist型多酸衍生物类非线性光学材料的理论研究及分子设计进展.     

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。     

低价钛试剂促进下苯并咪唑并[1,2-c]喹唑啉衍生物的合成

在低价钛试剂促进下,以2-（2-硝基苯基）苯并咪唑和碳酸二三氯甲酯为原料,经过串联还原偶联反应,一步合成了一系列苯并咪唑并[1,2-c]喹唑啉-6（5 H）-酮衍生物.产物结构通过红外光谱、核磁共振氢谱和元素分析确证.     

N'-芳基-N,N-二乙基乙二胺衍生物荧光光谱的理论研究

采用量子化学密度泛函(B3LYP)方法在6-31g水平上对3种N'-芳基-N,N-二乙基乙二胺衍生物进行构型优化,经振动分析,未出现虚频率。在此基础上用TD-DFT方法计算了3种化合物的荧光激发波长,然后用CIS组态相互作用方法分别优化了3种化合物在激发态的构型,并对其荧光发射光谱进行了计算。计算结果显示,激发与发射光谱与实验值符合的很好。