A COMPARATIVE STUDY OF DATA MINING METHODS IN CONSUMER LOANS CREDIT SCORING MANAGEMENT

1. Introduction Data mining (DM), sometimes referred to as knowledge discovery in database (KDD), is a systematic approach to find underlying patterns, trends, and relationships buried in data. Data mining has drawn much attention from bothresearchers and practitioners due to its wide applications in crucial business decisions. Basically, the research on DM can be classified into two categories: methodologies and technologies. According to Curt (1995), the technology part of DM consists of…     

多元Poisson分布及其性质

首先给出了多元Poisson分布的一种定义,然后从研究其特征函数入手,讨论了多元Poisson分布的边缘分布、条件分布以及数字特征等一系列性质.最后给出了多元Poisson分布与多项分布以及多元正态分布之间的关系.     

基于规模视角的系统重要性银行研究

在放松对银行规模等级设定的基础上,构建了更具一般性和可操作性的改进的三银行模型. 通过引入基于多元极值理论和L函数的三种银行系统重要性指数,规范分析了银行规模对系统重要性的影响. 研究发现,规模是构成银行系统重要性的必要条件但不是充分条件. 同时,运用中国14家上市银行A股交易数据对银行规模与系统重要性的相互关系进行了实证检验,结果与改进的三银行模型基本一致. 无论从理论还是实证角度来看,规模对银行的系统重要性具有重要影响,但当银行规模达到一定程度后,其影响将被弱化,这对于识别和监管系统重要性银行具有重要的理论意义和应用价值.     

高校视觉传达设计专业学生创新创业促进机制研究

针对高校视觉传达设计专业学生创新创业教育现状调查分析,目前存在培养机制不健全、部分高校对经济发展的针对性和时效性重视不够、教师缺乏开展创新创业教育的意识和能力、大学生创新意识薄弱、创业技能缺乏、创新思维不强等问题,提出视觉传达设计专业人才跨界培养理念和实践体系多元协作模式;针对视觉传达设计专业学生的"重庆特色手工文创产品视觉系统设计"创业实践及相关平台的融合式服务,通过构建视觉传达设计人才跨界教育特色培养机制、健全创业实践项目激励机制、实施校企研跨专业、跨学科协同培养机制、实施创业型教师专业技术职务认定机制等方面构架更适应专业人才创新创业发展的途径;研究证明:只有不断探索学科深度融合、专业精准嫁接、联动校企研协同育人造就新型人才,营造和谐共享的双创生态环境、对推动高校视觉传达设计专业创新创业教育的发展具有巨大的推动意义。     

Mn含量波动对 DH36高强度船板钢力学性能影响的数学模型

通过对国内某钢厂DH36高强度船板钢轧制成型之后的成品板材进行研究,利用数学模拟的分析方法,建立了DH36高强度船板钢主要化学成分与基本力学性能之间关系的数学模型,并在此基础上重点分析了各元素随Mn含量的变化对力学性能产生的影响。结果表明：在相关成分允许的波动范围内,Mn元素对冲击功的影响主要呈斜率为负的直线关系,对屈服强度、抗拉强度、断面收缩率的影响也均呈直线关系,但斜率规律与其他元素的含量有关,需具体分析。     

A Simplified Method to Calculate the Wet Bulb Globe Temperature(WBGT)

Wet bulb globe temperature(WBGT) is a comprehensive index obtained mainly from three pa-rameters:black globe temperature(Tg),wet bulb temperature(Tw),and dry bulb temperature(Ta).While in field observation and numerical simulation,black globe temperature and wet bulb temperature were not easy to obtain, so WBGT was difficult to measure and calculate directly.In order to solve this problem,air dry bulb temperature, wet bulb temperature,globe temperature,relative humidity,mean air velocity,solar radiation and wet bulb globe temperature were collected during the summer(July)in Guangzhou.Correlation analysis and regression analysis were used to get a simplified method to calculate WBGT.The results showed that dry bulb temperature,relative humidity,solar radiation and WBGT were interrelated to some extent.These three pa-rameters could be used in the simplified method to predict WBGT,and the linear correlation and precision of this model were high.In addition,we used the measured data to verify the simplified method,and the results showed that the error of the calculated value and the measured value was all below 5%,which means the simpli-fied calculating method is feasible and can be used in field observation and simulation research of urban thermal environment.     

紫外光谱与遗传算法用于多组分氨基酸同时测定

将遗传算法用于紫外光谱数据处理,实现了多元分辨与校正,并对多组分分析体系进行同时定量测量。