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数据模型在信用卡欺诈风险防控中的应用探索
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作者 郝士鹏 于佳奥 +2 位作者 王冲 王森伟 郭如忆 《中国信用卡》 2023年第4期14-18,共5页
近年来,信用卡交易线上化进程加速,在便利持卡人生活消费、提高金融服务体验的同时,也给信用卡欺诈风险防控带来新的挑战。一方面,交易线上化降低了犯罪分子的欺诈成本,提升了交易复杂程度,催生出新型网络欺诈手段,使得电信网络诈骗交... 近年来,信用卡交易线上化进程加速,在便利持卡人生活消费、提高金融服务体验的同时,也给信用卡欺诈风险防控带来新的挑战。一方面,交易线上化降低了犯罪分子的欺诈成本,提升了交易复杂程度,催生出新型网络欺诈手段,使得电信网络诈骗交易的链路更长、网络更广、速度更快,进一步压缩了商业银行更新防控策略和模型的时间。另一方面,《关于进一步促进信用卡业务规范健康发展的通知》的出台对商业银行管控信用卡套现、资金流向等提出了更高要求,并鼓励管控措施前移。总体而言,各类欺诈交易与正常交易界限逐渐模糊,风险隐蔽性、复杂性皆在提升,商业银行需要不断提高数字化反欺诈能力。 展开更多
关键词 风险防控 信用卡交易 资金流向 商业银行 金融服务 欺诈手段 犯罪分子 防控策略
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Comparative study on main compounds in Ginkgo biloba L. base on mathematical statistics 被引量:4
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作者 Yiyi Zhao Ruyi Guo +3 位作者 Haili Yin Xintong Fu Yougen Chen Hongzhu Guo 《Journal of Chinese Pharmaceutical Sciences》 CAS CSCD 2019年第12期843-854,共12页
In this paper,an HPLC-DAD-ELSD method was developed to determine main 20 components of Ginkgo biloba L.leaves from different ages and sources,including six flavonol glycosides,five terpene lactones and nine organic ac... In this paper,an HPLC-DAD-ELSD method was developed to determine main 20 components of Ginkgo biloba L.leaves from different ages and sources,including six flavonol glycosides,five terpene lactones and nine organic acids.Using statistics method and establishing relevant mathematics models,the measured data has proceeded correlation analysis,principal component analysis,and regression statistics and the results showed generality and specific characteristics.We defined p-hydroxybenzoic acid,catechinic,KRcG and ginkgolide A as characteristic indexes representing commonness and speciality of Ginkgo biloba L.leaf.The four characteristic indexes can reflect the quality of Ginkgo biloba L.leaf,and the intermal relations between them are significant.The contents of other compounds could define the quantity relation with characteristic markers.It simplified the approach of quality control,and provided a basis for quality control of Ginkgo biloba L. 展开更多
关键词 Ginkgo biloba L. Statistical analysis Characteristic markers Holistic quality evaluation
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