Research on Early Warning of Banking Crises from the Perspective of Credit Structures

The relationship between credit expansion and banking crises is complex and cannot be fully explained by total credit alone.A systematic analysis of the relationship between the amount and structure of total credit and banking crises is important for an objective prediction of the influence of potential financial risks.This paper,drawing on data from 15 selected countries,delves into the power of credit indicators in the early warning of banking crises from the perspectives of industrial structure,sector structure,and term structure of credit.Various machine learning methods were used,including Logistic Regression,Random Forest,Decision Tree,Support Vector Machine(SVM),Bagging,and Boosting models.The empirical findings indicate that credit expansion plays a crucial role in triggering banking crises.However,total credit is better suited for the early warning of short-term banking crises,whereas credit structure is more useful for the early warning of long-term banking crises.Moreover,in an early warning system,identifying key early warning indicators is more meaningful than merely increasing the number of indicators.Machine learning can somewhat enhance the early warning power,but it may not always be robust.Therefore,more attention should be paid to potential systemic banking crises resulting from an imbalance in credit structure while regulating the total credit threshold.

Anion competition for Li^(+)solvated coordination environments in poly(1,3 dioxolane)electrolyte to enable high-voltage lithium metal solid-state batteries

Gel-based polymer electrolytes are limited by the polarity of the residual solvent,which restricts the coupling-breaking behaviour during Li^(+)conduction,resulting in the Li^(+)transport kinetics being greatly affected.Here,we designed anion competitive gel polymer electrolyte(ACPE)by introducing lithium difluoro(oxalato)borate(LiDFOB)anion into the 1,3-dioxolane(DOL)in situ polymerisation system.ACPE enhances the ionic dipole interaction between Li^(+)and the solvent molecules and synergizes with Li^(+)across the solvation site of the polymer ethylene oxide(EO)unit,combination that greatly improves the Li^(+)transport efficiency.As a result,ACPE exhibits 1.12 mS cm^(−1)ionic conductivity and 0.75 Li^(+)transfer number at room temperature.Additionally,this intra-polymer solvation sheath allows preferential desolvation of DFOB−,which contributes to the formation of kinetically stable anion-derived interphase and effectively mitigates side reactions.Our results demonstrate that the assembled Li||NCM622 solid-state battery exhibits lifespan of over 300 cycles with average Coulombic efficiency of 98.8%and capacity retention of 80.3%.This study introduces a novel approach for ion migration and interface design,paving the way for high-safety and high-energy-density batteries.

Tree allometry responses to competition and complementarity in mixed-species plantations of Betula alnoides

Tree allometry plays a crucial role in tree survival,stability,and timber quantity and quality of mixed-species plantations.However,the responses of tree allometry to resource utilisation within the framework of interspecific competition and complementarity remain poorly understood.Taking into consideration strong-and weakspace competition(SC and WC),as well as N_(2)-fixing and non-N_(2)-fixing tree species(FN and nFN),a mixedspecies planting trial was conducted for Betula alnoides,a pioneer tree species,which was separately mixed with Acacia melanoxylon(SC+FN),Erythrophleum fordii(WC+FN),Eucalyptus cloeziana(SC+nFN)and Pinus kesiya var.langbianensis(WC+nFN)in southern China.Six years after planting,tree growth,total nitrogen(N)and carbon(C)contents,and the natural abundances of^(15)N and^(13)C in the leaves were measured for each species,and the mycorrhizal colonisation rates of B.alnoides were investigated under each treatment.Allometric variations and their relationships with space competition and nutrient-related factors were analyzed.The results showed a consistent effect of space competition on the height-diameter relationship of B.alnoides in mixtures with FN or nFN.The tree height growth of B.alnoides was significantly promoted under high space competition,and growth in diameter at breast height(DBH),tree height and crown size were all expedited in mixtures with FN.The symbiotic relationship between ectomycorrhizal fungi and B.alnoides was significantly influenced by both space competition and N_(2) fixation by the accompanying tree species,whereas such significant effects were absent for arbuscular mycorrhizal fungi.Furthermore,high space competition significantly decreased the water use efficiency(WUE)of B.alnoides,and its N use efficiency(NUE)was much lower in the FN mixtures.Structural equation modeling further demonstrated that the stem allometry of B.alnoides was affected by its NUE and WUE via changes in its height growth,and crown allometry was influenced by the mycorrhizal symbiotic relationship.Our findings provide new insights into the mechanisms driving tree allometric responses to above-and belowground resource competition and complementarity in mixed-species plantations,which are instructive for the establishment of mixed-species plantations.

The Impact of the Monetary Policy During the COVID-19 in the Brazilian Banking Sector

The COVID-19 pandemic caused an outbreak on the global productive chains,transforming companies and society in general.Governments adopted anticyclical policies such as basic interest rates reduction as response.Brazil basic interest rate is denominated Selic.The application of these policies requires the protagonist of bank’s financial intermediation.This study aims to verify two events-under the perspective of the efficient markets’theory.The first is the communication of the first death by COVID-19-and the subsequent,Selic rate reduction to 2%p.a.-and its effects on bank’s shares prices.The hypotheses presented are:H1-The announcement of the first death by COVID-19 negatively impacts the banks’shares returns and H2-The announcement of the Selic interest rate-during the COVID-19-positively impacts the return of the banks’shares.We adopt event study methodology in a final sample of nine and 15 banks to Events 1 and 2 respectively.The results confirm H1 as well as the semi-strong informational efficiency market.H2 is not confirmed.Results confirm the non-effectiveness of the anticyclical policy of basic interest rate reduction.This contributes to the discussion about the impacts of COVID-19 and the efficacy of anticyclical policies.

Dilemmas and Optimization of Third-Party Assessment System in Chinese Fair Competition Review

The current predominant self-review mechanism by policy-making bodies suffers from deficiencies such as insufficient motivations, limited review capabilities, and weak external supervision. Third-party assessment, characterized by independence and specialization, is designed to mitigate these shortcomings. However, the implementation of third-party assessment faces challenges too. This paper intends to improve the third-party assessment system and to realize the legislative purpose of the system. Based on social research, discussions and exchanges with relevant parties, and the existing research results, this paper analyzes the challenges and possible optimization measures for the third-party assessment. The challenges include repulsion from policy-making bodies, insufficient independence of assessment bodies, disparity of assessment quality, and limited application of assessment outcomes. Possible optimization measures include promoting fair competition culture, increasing the acceptance of third-party assessment from policy-making bodies, enhancing the quality of third-party assessment, clarifying the relationship between policy-making bodies and assessment bodies, ensuring the independence of third-party assessments, and promoting the application of assessment results.

Brain-derived neurotrophic factor signaling in the neuromuscular junction during developmental axonal competition and synapse elimination

During the development of the nervous system,there is an overproduction of neurons and synapses.Hebbian competition between neighboring nerve endings and synapses performing different activity levels leads to their elimination or strengthening.We have extensively studied the involvement of the brain-derived neurotrophic factor-Tropomyosin-related kinase B receptor neurotrophic retrograde pathway,at the neuromuscular junction,in the axonal development and synapse elimination process versus the synapse consolidation.The purpose of this review is to describe the neurotrophic influence on developmental synapse elimination,in relation to other molecular pathways that we and others have found to regulate this process.In particular,we summarize our published results based on transmitter release analysis and axonal counts to show the different involvement of the presynaptic acetylcholine muscarinic autoreceptors,coupled to downstream serine-threonine protein kinases A and C(PKA and PKC)and voltage-gated calcium channels,at different nerve endings in developmental competition.The dynamic changes that occur simultaneously in several nerve terminals and synapses converge across a postsynaptic site,influence each other,and require careful studies to individualize the mechanisms of specific endings.We describe an activity-dependent balance(related to the extent of transmitter release)between the presynaptic muscarinic subtypes and the neurotrophin-mediated TrkB/p75NTR pathways that can influence the timing and fate of the competitive interactions between the different axon terminals.The downstream displacement of the PKA/PKC activity ratio to lower values,both in competing nerve terminals and at postsynaptic sites,plays a relevant role in controlling the elimination of supernumerary synapses.Finally,calcium entry through L-and P/Q-subtypes of voltage-gated calcium channels(both channels are present,together with the N-type channel in developing nerve terminals)contributes to reduce transmitter release and promote withdrawal of the most unfavorable nerve terminals during elimination(the weakest in acetylcholine release and those that have already become silent).The main findings contribute to a better understanding of punishment-rewarding interactions between nerve endings during development.Identifying the molecular targets and signaling pathways that allow synapse consolidation or withdrawal of synapses in different situations is important for potential therapies in neurodegenerative diseases.

Discussion on the Application of Technical and Tactical Skills in Mixed Martial Arts Competitions

This article mainly analyzes the application of technical and tactical skills in mixed martial arts competitions,including mixed martial arts and its competition characteristics,the main application significance of technical and tactical skills in mixed martial arts competitions,and its primary application strategies.It is hoped that this analysis can provide some guidelines for the appropriate application of mixed martial arts athletes’technical and tactical skills to improve their winning rate in mixed martial arts competitions.

ISO Certification and Technical Efficiency in the Banking Sector:An Evidence from WAEMU’s Countries Using the DEA Method

In the view of the international organization of standardization,the introduction of ISO standards is typical of quality management systems oriented towards strengthening the efficiency of enterprises.Business banks are not excluded from this requirement.The current study aims to evaluate the effect of ISO certification on the technical performance of WAEMU banks.Using BCEAO data(2020),the DEA model and Tobit estimates show that ISO certification has no effect on the efficiency scores of the banks in the sample.It is therefore appropriate for these banks to work on improving their business climate.

Research on the Role of Guiding Students to Participate in Skills Competitions on the Development of Young Teachers in Vocational Colleges

This paper explores the role of guiding students to participate in skills competitions on the development of young teachers in vocational colleges.We investigate the impact of skills competitions on the consolidation of professional knowledge,development of innovation capabilities,improvement of hands-on abilities,and enhancement of communication skills with students.The results of this research demonstrate that skills competitions have a positive influence on the professional growth of young teachers.The consolidation of professional knowledge,development of innovation capabilities,improvement of hands-on abilities,and enhancement of communication skills collectively contribute to the effectiveness of young teachers in vocational colleges.It is recommended that vocational colleges prioritize and support the participation of young teachers in skills competitions to foster their professional development.

Teaching Design and Implementation of the Electrical and Electronic Technology Course Based on Teaching Ability Competition

The teaching ability competition is a vital method for stimulating teachers’enthusiasm and enhancing their teaching skills.This approach has gained increasing attention from colleges and universities in recent years.The competition focuses on evaluating teachers’capabilities in designing and implementing lessons,encouraging the exchange of new educational ideas and high-quality teaching methods.Reforming the teaching of Electrical and Electronic Technology courses based on insights from teaching competitions can significantly improve teaching quality.This paper explores the teaching design and implementation of the Electrical and Electronic Technology course,drawing on the principles of teaching ability competitions.First,it analyzes the existing problems in teaching this course.Then,it highlights the significant benefits that teaching competitions bring to the course.Based on these insights,the paper proposes practical strategies aimed at enhancing students’interest and practical skills,thereby promoting innovative developments in teaching Electrical and Electronic Technology.

Discussion on the Integration of“Post,Course,Competition,Certificate”:Taking the Internet of Things Application Technology Courses in Higher Vocational Colleges as an Example

This article explores the development of the Internet of Things(IoT)application technology course in higher vocational colleges under the background of“post,course,competition,certificate.”It first emphasizes the importance of IoT talent training and course construction in higher vocational colleges and deeply analyzes the core concept of“post,course,competition,certificate”integration.In view of the problems faced in the course construction of IoT application technology in higher vocational colleges and the practical experience of Tianjin Vocational College of Mechanics and Electricity,the implementation strategy of the course construction of IoT application technology in higher vocational colleges is elaborated in detail based on the integrated concept of“post,course,competition,certificate.”

The Model of“Post,Course,Competition,Certificate”Integrated Education for Electronic Information Engineering Technology Major in Higher Vocational Colleges

The core education function of higher vocational colleges is to train technical talents with high quality,so as to meet the needs of talents in the development stage of our society.Under the guidance of talent training,higher vocational colleges need to pay attention to establishing an all-round and three-dimensional education model,and promote innovation of higher vocational education on the basis of this.It is also a way to promote the innovation of higher vocational education to vigorously promote the construction of“post,course,competition,certificate”mode in the construction of education mode.Through the construction of“post,course,competition,certificate”mode,the education mode of higher vocational colleges is gradually improved,so as to strengthen the effectiveness of talent training in higher vocational colleges.Therefore,in this paper,the author puts forward some suggestions to promote the construction of the integrated education mode of the electronic information engineering technology major in higher vocational colleges,so as to help improve the talent training level of higher vocational colleges.

Mixed Market Competition in a Quality Differentiated Duopoly Model An Approach to Banking Sector

This paper attempts to develop a theoretical framework to investigate the competitive implications of quality choices of financial institutions whereby they charge prices to consumers based on their willingness to pay for the service qualities in the mixed market scenario under vertical product differentiation model. Initially, it analyzes benchmark equilibrium solutions of monopoly and duopoly to establish the degree of quality differentiation between two private banks in an uncover market configuration. Further, it estimates the quality differentiation between private and public banks, and examines the interaction between two market structures keeping public bank as both leader and follower, and then measures the social welfare from different prospectives. The explicit operation of two stages Nash equilibrium game forecasted that public banks＇ monopoly seems to be still better than a private banking, and it is socially optimal. The outcome demonstrates a significant importance of vertical quality differentiation for policy implication in banking industry and provides an insight on the reasons of particular co-existence of public and private banking services in the specified location. In this context, it is concluded that the presence of public banks in banking industries is a crucial condition for obtaining the higher range of social welfare.

Developing nonlinear additive tree crown width models based on decomposed competition index and tree variables

Crown development is closely related to the biomass and growth rate of the tree and its width(CW)is an important covariable in growth and yield models and in forest management.To date,various CW models have been proposed.However,limited studies have explicitly focused on additive and inherent correlation of crown components and total CW as well as the influence of competition on crown radius from the corresponding direction.In this study,two model systems were used,i.e.,aggregation method system(AMS)and disaggregation method system(DMS),to develop crown width additive model systems.For calculating spatially explicit competition index(CI),four neighbor tree selection methods were evaluated.CI was decomposed into four cardinal directions and added into the model systems.Results show that the power model form was more proper for our data to fit CW growth.For each crown radius and total CW,height to the diameter at breast height(HDR)and basal area of trees larger than the subject tree(BAL)significantly contributed to the increase of prediction accuracy.The 3-m fixed radius was optimal among the four neighborhoods selection ways.After adding decomposed competition Hegyi index into model systems AMS and DMS,the prediction accuracy improved.Of the model systems evaluated,AMS based on decomposed CI provided the best performance as well as the inherent correlation and additivity properties.Our study highlighted the importance of decomposed CI in tree CW modelling for additive model systems.This study focused on methodology and could be applied to other species or stands.

Private banking development in China under two organizational structures:Economic analysis from an organizational innovation perspective

This paper investigates optimal decisions for private banking development in China under two innovative organizational structures—the big retail mode(BRM)and the independent development mode(IDM).Under the BRM,the retail and private banking divisions form a cooperative relationship wherein the former transfers highnet-worth customers to the latter.In addition,retail banking receives a share of private banking revenues.We investigate the optimal revenue-sharing ratio between the two divisions and the optimal effort by private banking to serve transferred customers within the cooperative relationship.The analytical results show that as the private banking division becomes more developed,the optimal revenue-sharing ratio decreases,and the private banking division’s optimal effort to serve transferred customers decreases because it puts more effort into acquiring new customers.Under the IDM,the two divisions form a competitive relationship since they compete to acquire customers independently.We investigate customer acquisition efforts in this interdivisional competition.Optimal customer acquisition efforts by both divisions increase in potential assets and rates of return.This paper contributes to the literature by(1)analyzing financial innovation by private banks from an organizational perspective;(2)providing an economic analysis for private banking development in China.

Empowering Vocational Students to Excel in Skills Competitions:Challenges and Recommendations

This paper analyzes the key challenges faced by vocational college students when participating in national skills competitions.It identifies problems such as limited resources,insufficient training,lack of mentorship,academic workload constraints,and inadequate equipment.Targeted solutions are proposed,including improving resource access,providing structured skill training,implementing expert mentorship programs,offering flexible schedules,and upgrading experimental equipment.Implementing these recommendations through a collaborative effort among stakeholders can significantly empower vocational students to excel in skills competitions by enabling access to resources,building practical skills,obtaining guidance,managing time effectively,and gaining hands-on experience.

ENTIRE SOLUTIONS OF LOTKA-VOLTERRA COMPETITION SYSTEMS WITH NONLOCAL DISPERSAL

This paper is mainly concerned with entire solutions of the following two-species Lotka-Volterra competition system with nonlocal(convolution)dispersals:{u_(t)=k*u-u+u(1-u-av),x∈R,t∈R,vt=d(k*v-v)+rv(1-v-bu),c∈R,t∈R.(0.1)Here a≠1,b≠1,d,and r are positive constants.By studying the eigenvalue problem of(0.1)linearized at(ϕc(ξ),0),we construct a pair of super-and sub-solutions for(0.1),and then establish the existence of entire solutions originating from(ϕc(ξ),0)as t→−∞,whereϕc denotes the traveling wave solution of the nonlocal Fisher-KPP equation ut=k*u−u+u(1−u).Moreover,we give a detailed description on the long-time behavior of such entire solutions as t→∞.Compared to the known works on the Lotka-Volterra competition system with classical diffusions,this paper overcomes many difficulties due to the appearance of nonlocal dispersal operators.

GPU parallel computation of dendrite growth competition in forced convection using the multi-phase-field-lattice Boltzmann model

A graphics-processing-unit(GPU)-parallel-based computational scheme is developed to realize the competitive growth process of converging bi-crystal in two-dimensional states in the presence of forced convection conditions by coupling a multi-phase field model and a lattice Boltzmann model.The elimination mechanism in the evolution process is analyzed for the three conformational schemes constituting converging bi-crystals under pure diffusion and forced convection conditions,respectively,expanding the research of the competitive growth of columnar dendrites under melt convection conditions.The results show that the elimination mechanism for the competitive growth of converging bi-crystals of all three configurations under pure diffusion conditions follows the conventional Walton-Chalmers model.When there is forced convection with lateral flow in the liquid phase,the anomalous elimination phenomenon of unfavorable dendrites eliminating favorable dendrites occurs in the grain boundaries.In particular,the anomalous elimination phenomenon is relatively strong in conformation 1 and conformation 2 when the orientation angle of unfavorable dendrites is small,and relatively weak in conformation 3.Moreover,the presence of convection increases the tip growth rate of both favorable and unfavorable dendrites in the grain boundary.In addition,the parallelization of the multi-phase-field-lattice Boltzmann model is achieved by designing the parallel computation of the model on the GPU platform concerning the computerunified-device-architecture parallel technique,and the results show that the parallel computation of this model based on the GPU has absolute advantages,and the parallel acceleration is more obvious as the computation area increases.

Dental pulp stem cells and banking of teeth as a lifesaving therapeutic vista

Exfoliated deciduous or an extracted healthy adult tooth can be used to harvest,process,and cryogenically preserve dental pulp stem cells.Future stem cell-based regenerative medicine methods could benefit significantly from these mesenchymal stem cells.Teeth serve as a substantial source of mesenchymal stem cells,otherwise disposed of as medical waste.Care should be taken to store this treasure trove of stem cells.Collective responsibility of patients,dentists,and physicians is necessary to ensure that this valuable resource is not wasted and that every possible dental pulp stem cell is available for use in the future.The dental pulp stem cells(DPSC)inside teeth represent a significant future source of stem cells for regenerative medicine procedures.This review describes the ontogeny,the laboratory processing and collection,and isolation methods of DPSC.This review also discusses currently available stem cell banking facilities and their potential use in regenerative medicine procedures in dental and general medical applications in the future.

Does country risk impact the banking sectors’non‑performing loans?Evidence from BRICS emerging economies

This study aims to fill the gap in the literature by specifically investigating the impact of country risk on the credit risk of the banking sectors operating in Brazil,Russia,India,China,and South Africa(BRICS),emerging countries.More specifically,we explore whether the country-specific risks,namely financial,economic,and political risks significantly impact the BRICS banking sectors’non-performing loans and also probe which risk has the most outstanding effect on credit risk.To do so,we perform panel data analysis using the quantile estimation approach covering the period 2004–2020.The empirical results reveal that the country risk significantly leads to increasing the banking sector’s credit risk and this effect is prominent in the banking sector of countries with a higher degree of non-performing loans(Q.25=−0.105,Q.50=−0.131,Q.75=−0.153,Q.95=−0.175).Furthermore,the results underscore that an emerging country’s political,economic,and financial instabilities are strongly associated with increasing the banking sector’s credit risk and a rise in political risk in particular has the most positive prominent impact on the banking sector of countries with a higher degree of non-performing loans(Q.25=−0.122,Q.50=−0.141,Q.75=−0.163,Q.95=−0.172).Moreover,the results suggest that,in addition to the banking sectorspecific determinants,credit risk is significantly impacted by the financial market development,lending interest rate,and global risk.The results are robust and have significant policy suggestions for many policymakers,bank executives,researchers,and analysts.