How does an individual’s default behavior on an online peer-to-peer lending platform influence an observer’s default intention?

Previous studies indicate that individuals’default behaviors on online peer-to-peer(P2P)lending platforms greatly influence other borrowers’default intentions.However,the mechanism of this impact is not clear.Moreover,there is scarce research in regard to which factors influence the relationship between an individual’s default behavior and an observer’s default intention.These important questions are yet to be resolved;hence,we conducted two experiments using the scenario-based research method,focusing on Chinese online P2P lending platforms.Our results indicate that an individual’s default behavior can trigger an observer’s default intention as a result of the imperfect punitive measures as they currently exist on Chinese online P2P lending platforms.Both the observer’s moral disengagement level and pragmatic self-activation level serve as mediating variables.In situations where an observer knows an individual’s default behavior,the level of intimacy between the defaulter and observer positively affects the relationship between their default behavior and intention.The intimacy level also positively influences the relationship between the individual’s default behavior and the two mediator variables.Based on the findings,we provide management suggestions in the context of online P2P lending.Our study sets a foundation for future research to utilize other methods to extend the present research findings to other regions and domains.

Relationship between wall shear stresses and streamwise vortices in turbulent flows over wavy boundaries

The relationship between wall shear stresses and near-wall streamwise vortices is investigated via a direct numerical simulation(DNS) of turbulent flows over a wavy boundary with traveling-wave motion. The results indicate that the wall shear stresses are still closely related to the near-wall streamwise vortices in the presence of a wave. The wave age and wave phase significantly affect the distribution of a two-point correlation coefficient between the wall shear stresses and streamwise vorticity. For the slow wave case of c/Um = 0.14, the correlation is attenuated above the leeward side while the distribution of correlation function is more elongated and also exhibits a larger vertical extent above the crest. With respect to the fast wave case of c/U_m=1.4, the distribution of the correlation function is recovered in a manner similar to that in the flat-wall case. In this case, the maximum correlation coefficient exhibits only slight differences at different wave phases while the vertical distribution of the correlation function depends on the wave phase.

Self-cleaving ribozymes enable the production of guide RNAs from unlimited choices of promoters for CRISPR/Cas9 mediated genome editing

Development of tools for targeted modifications of specific DNA sequences in plants is of great importance to basic plant biology research as well as crop improvement.The ability to cut DNA at specific locations in the genome to generate doublestrand breaks(DSBs)in vivo is a prerequisite for any genome editing efforts.Several engineered nucleases including zinc finger nucleases(ZFNs)and transcriptional activator-like nucleases(TALENs)have been successfully used to edit genomes.However,

Pepper variome reveals the history and key loci associated with fruit domestication and diversification

Pepper(Capsicum spp.)is an important vegetable crop that provides a unique pungent sensation when eaten.Through construction of a pepper variome map,we examined the main groups that emerged during domestication and breeding of C.annuum,their relationships and temporal succession,and the molecular events underlying the main transitions.The results showed that the initial differentiation in fruit shape and pungency,increase in fruit weight,and transition from erect to pendent fruits,as well as the recent appearance of large,blocky,sweet fruits(bell peppers),were accompanied by strong selection/fixation of key alleles and introgressions in two large genomic regions.Furthermore,we identified Up,which encodes a BIG GRAIN protein involved in auxin transport,as a key domestication gene that controls erect vs pendent fruit orientation.The up mutation gained increased expression especially in the fruit pedicel through a 579-bp sequence deletion in its 5′upstream region,resulting in the phenotype of pendent fruit.The function of Up was confirmed by virus-induced gene silencing.Taken together,these findings constitute a cornerstone for understanding the domestication and differentiation of a key horticultural crop.