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复杂担保网络中传染路径的风险评估
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作者 程大伟 牛志彬 +1 位作者 刘新海 张丽清 《中国科学:信息科学》 CSCD 北大核心 2021年第7期1068-1083,共16页
中小企业贷款在促进技术创新、推动经济发展、改善民生和增加就业等方面有着重要的作用.为了满足商业银行的贷款评估标准,很多中小企业选择互相提供担保以获得授信,形成了结构复杂的担保网络.当借款方的贷款违约时,风险则沿着担保方向... 中小企业贷款在促进技术创新、推动经济发展、改善民生和增加就业等方面有着重要的作用.为了满足商业银行的贷款评估标准,很多中小企业选择互相提供担保以获得授信,形成了结构复杂的担保网络.当借款方的贷款违约时,风险则沿着担保方向在网络中层层传播,由此造成的潜在系统性风险给国家的金融安全和监管带来了严峻的挑战.因此,迫切需要发展相应的方法从系统角度对复杂金融担保网络中的传染路径进行风险评估和预测.本文提出了一种基于深度学习的风险评估模型,该方法应用图神经网络和注意力机制直接从网络化的贷款行为数据中学习风险特征,无需依赖于金融领域专业知识的人工特征工程.实验结果表明,本文设计的方法在多数评价指标上均优于现有的7个对比的基准模型.在传染路径风险评估任务中,比基准方法在精确率和召回率的调和平均数(F1-score)方面平均提升了2%15%.在新路径风险评估任务中,比最好的基准方法平均提升了3.5%.结果表明了本文设计方法在传染路径风险评估中的有效性,可为监管部门和金融机构对担保网络进行系统性风险评估提供方法理论基础. 展开更多
关键词 风险评估 传染路径 担保网络 图神经网络 注意力机制
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Paleo-Environment Reconstruction of the Middle Permian Lucaogou Formation,Southeastern Junggar Basin,NW China:Implications for the Mechanism of Organic Matter Enrichment in Ancient Lake 被引量:1
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作者 dawei cheng Chuanmin Zhou +3 位作者 Zhijie Zhang Xuanjun Yuan Yinhe Liu Xingyu Chen 《Journal of Earth Science》 SCIE CAS CSCD 2022年第4期963-976,共14页
The Middle Permian Lucaogou Formation is the source rock and the main oil shale producing formation in the southeastern Junggar Basin.This study focused on the Lucaogou Formation exposed in two outcrop sections on the... The Middle Permian Lucaogou Formation is the source rock and the main oil shale producing formation in the southeastern Junggar Basin.This study focused on the Lucaogou Formation exposed in two outcrop sections on the northern flank of the Bogda Mountain,namely the Jingjingzigou and Dalongkou sections.Here,we present integrated analysis of the sedimentology,major and trace elements,mineral components and total organic carbon contents.The paleo-environment was reconstructed including provenance,redox conditions,paleo-salinity,chemical weathering intensity and primary organic matter productivity.The results showed that the upper and lower units were deposited in distinct depositional environments with different organic matter accumulation mechanisms.The lower unit was characterized by low lake level,dry climate,fresh-brackish and well-oxygenated water.While during the deposition of the upper unit the lake level rose,climate turned wetter and the bottom water became less oxidized and much saltier.The mechanism of the organic matter accumulation is different for these two units.The preserved organic matters were mainly controlled by the primary productivity in the lower unit and by the redox conditions in the upper unit. 展开更多
关键词 trace element redox condition PALEOSALINITY primary productivity chemical weathering
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A novel gene-activated matrix composed of PEI/plasmid-BMP2 complexes and hydroxyapatite/chitosan-microspheres promotes bone regeneration
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作者 Ruyuan Ding Yajun Liu +9 位作者 dawei cheng Gang Yang Wenjing Wu Haoran Du Xin Jin Yihan Chen Yuanyin Wang Boon Chin HENG Qing Yang Jianguang XU 《Nano Research》 SCIE EI CSCD 2022年第7期6348-6360,共13页
The incorporation of pro-osteogenic growth factors into bone graft materials to enhance bone regeneration is a key research area within the field of bone tissue engineering and regenerative medicine.However,growth fac... The incorporation of pro-osteogenic growth factors into bone graft materials to enhance bone regeneration is a key research area within the field of bone tissue engineering and regenerative medicine.However,growth factors directly incorporated in protein form are easily degraded,and have a limited active half-life,which cannot exert long-term and stable osteoinductive and oteoconductive effects.The combination of gene therapy and tissue engineering through gene-activated matrix(GAM)may provide a good alternative solution to overcome such limitations.Scaffold materials can be combined together with plasmid DNA and a chemical-based transfection agent to form GAM,through which transfected cells could secrete growth factors in a sustained manner over a longer time duration;thereby enabling bone graft materials to act as a repository of therapeutic genes,while providing structural support and a scaffold matrix for new bone tissue ingrowth.In this study,we prepared hydroxyapatite/chitosan-microspheres(HA/CS-MS)with microfabrication technology and emulsification method,and loaded the polyethylene imine/bone morphogenetic protein 2 plasmid(PEI/pBMP2)complexes with high transfection capacity(transfection efficiency up to 54.79%±4.95%),thus forming a novel GAM system with superior bone regeneration capacity—PEI/pBMP2-HA/CS-MS.The in vitro experiments in this study demonstrated that our GAM had excellent biocompatibility(with cell viability over 95%),and that the as-fabricated microsphere material possessed a nano-network fibrous structure similar to natural extracellular matrix(ECM),together with a higher surface area that can provide more cell adhesion sites.The sizes of the prepared microspheres were mainly distributed in the 160–180μm range,while the maximal loading rate of PEI-pBMP2 complexes was 59.79%±1.85%.As a loaded complexes system,the GAM can release plasmids in a slow controlled manner,effectively transfecting surrounding target cells(release effect for up to 21 days),while cells adherent to the material can also take up plasmids,resulting in sustained secretion of the target protein,thereby effectively promoting bone regeneration.In vivo data from micro-computed tomography(micro-CT)and histological staining showed that the use of the composite materials effectively enhanced bone regeneration in defect areas.These findings thus demonstrated that the novel GAM system had excellent osteoinductivity with significant clinical potential. 展开更多
关键词 BMP2 chitosan gene therapy nanoparticle regeneration MICROSPHERE
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