网络借贷作为一种新型互联网金融模式,提升了金融资源使用效率,缓解了小企业融资难的困局。构建合理的网络借贷信用评价指标体系,从而对网络借贷的潜在风险及时甄别与预防,对互联网金融健康持续发展意义重大。本文根据K-S检验与距离相...网络借贷作为一种新型互联网金融模式,提升了金融资源使用效率,缓解了小企业融资难的困局。构建合理的网络借贷信用评价指标体系,从而对网络借贷的潜在风险及时甄别与预防,对互联网金融健康持续发展意义重大。本文根据K-S检验与距离相关分析相结合,筛选对借款客户违约状态甄别能力强的指标,建立了网络借贷信用评价指标体系,通过P2P网络借贷(peer to peer lending,个人对个人借贷)平台LendingClub交易数据进行实证研究,结果表明:不仅借款金额、借款利率等借款标的特征对借贷者违约具有显著相关性,借款者年龄等个人特征、借款者年收入等财务特征以及借款者违约次数等信用特征均对借贷者违约风险产生显著影响。投资者在出借资金时,往往青睐于已婚、年龄适中、具有一定工作经历、历史违约次数较少的借款人。因此,风险监管部门应构建网络借贷违约风险评估模型,对P2P平台进行风险监测,同时建立关键信息共享机制,融合多源数据,明确审查范围,实现P2P网络借贷行业健康有序发展。展开更多
Air is an important condition for human activities and survival,and its quality is closely related to the quality of life and level of health for the people.In recent years,the problem caused by air quality has become...Air is an important condition for human activities and survival,and its quality is closely related to the quality of life and level of health for the people.In recent years,the problem caused by air quality has become one of the main problems that endanger human health and restrict economic development,which has been widely concerned.In this paper,the air quality status and its changing trend were analyzed by using the methods of the comprehensive index of ambient air quality and Spearman s rank correlation coefficient,based on the hourly pollutant concentration data of five national ambient air quality monitoring stations in the central urban area of Liupanshui City,Guizhou Province from January 1,2015 to December 31,2019.The results showed that the concentration of air pollutants in the atmosphere in the past five years showed a downward trend in the central urban area of Liupanshui City.During 2018-2019,the air quality has been up to the standard for two consecutive years,and it was developing to a higher quality direction.The air quality was better in summer half year than in winter half year.In one year,the air quality was the best in June and the worst in February.The air quality was the best at 07:00 and the worst at 21:00 every day.The air quality in the east and the west of the city was better than that in the middle.In most years,the activities,making and burning paper to resemble money as an offering sacrifices to gods or ancestors in Zhongyuan Festival,caused serious pollution.展开更多
As weather radar stations require headroom environment to operate,they were mostly built on highlands which are usually unattended.The mains supply is relatively poor,and the risk of radar stoppages due to power outag...As weather radar stations require headroom environment to operate,they were mostly built on highlands which are usually unattended.The mains supply is relatively poor,and the risk of radar stoppages due to power outage is therefore ever-present.As such,the radar construction program is used to build a complementary security video monitoring system.By collecting monitoring images of the regulated power supply in real-time from power supply auto transfer systems in distribution rooms and radar transceiver rooms,using Spearman’s rank correlation coefficient to analyse pixel variation trends,and supplementing statistical analysis of pixel characteristics difference to eliminate misjudgments resulting from low image contrast in special scenarios,a software can be developed through C#.It has the function of automatically monitoring mains supply and alerting staff on duty to handle the power outage in a timely manner via text message so that any potential risk is neutralised before it can cause damage.This monitoring and auto-alerting approach is generally applicable to unattended rooms with large amounts of electronical equipment.展开更多
提出了采用基于Pair-Copula分解的藤Copula理论建立多元风速相依模型的方法。该方法首先考虑了风速分布的随机性,并计及风电场内部风机群风速间的相关性,采用Canonical藤描述Pair-Copula分解的逻辑结构,通过求解Canonical藤结构中的Pair...提出了采用基于Pair-Copula分解的藤Copula理论建立多元风速相依模型的方法。该方法首先考虑了风速分布的随机性,并计及风电场内部风机群风速间的相关性,采用Canonical藤描述Pair-Copula分解的逻辑结构,通过求解Canonical藤结构中的Pair-Copula概率密度函数PDF(probabilitydensity function),得到高维联合分布下的Pair-Copula多元风速相依模型;再对某实际风电场进行实证分析,得到了风电场内部6个风机群间风速的Pair-Copula联合概率密度函数JPDF(joint probability density function);最后在风电场风速相关结构的问题上进一步研究分析,为下一步建立混合Copula函数模型提供思路。展开更多
文摘网络借贷作为一种新型互联网金融模式,提升了金融资源使用效率,缓解了小企业融资难的困局。构建合理的网络借贷信用评价指标体系,从而对网络借贷的潜在风险及时甄别与预防,对互联网金融健康持续发展意义重大。本文根据K-S检验与距离相关分析相结合,筛选对借款客户违约状态甄别能力强的指标,建立了网络借贷信用评价指标体系,通过P2P网络借贷(peer to peer lending,个人对个人借贷)平台LendingClub交易数据进行实证研究,结果表明:不仅借款金额、借款利率等借款标的特征对借贷者违约具有显著相关性,借款者年龄等个人特征、借款者年收入等财务特征以及借款者违约次数等信用特征均对借贷者违约风险产生显著影响。投资者在出借资金时,往往青睐于已婚、年龄适中、具有一定工作经历、历史违约次数较少的借款人。因此,风险监管部门应构建网络借贷违约风险评估模型,对P2P平台进行风险监测,同时建立关键信息共享机制,融合多源数据,明确审查范围,实现P2P网络借贷行业健康有序发展。
基金Supported by the Science and Technology Plan Project of Liupanshui City(52020-2015-30).
文摘Air is an important condition for human activities and survival,and its quality is closely related to the quality of life and level of health for the people.In recent years,the problem caused by air quality has become one of the main problems that endanger human health and restrict economic development,which has been widely concerned.In this paper,the air quality status and its changing trend were analyzed by using the methods of the comprehensive index of ambient air quality and Spearman s rank correlation coefficient,based on the hourly pollutant concentration data of five national ambient air quality monitoring stations in the central urban area of Liupanshui City,Guizhou Province from January 1,2015 to December 31,2019.The results showed that the concentration of air pollutants in the atmosphere in the past five years showed a downward trend in the central urban area of Liupanshui City.During 2018-2019,the air quality has been up to the standard for two consecutive years,and it was developing to a higher quality direction.The air quality was better in summer half year than in winter half year.In one year,the air quality was the best in June and the worst in February.The air quality was the best at 07:00 and the worst at 21:00 every day.The air quality in the east and the west of the city was better than that in the middle.In most years,the activities,making and burning paper to resemble money as an offering sacrifices to gods or ancestors in Zhongyuan Festival,caused serious pollution.
基金Supported by Science and Technology Open Research Fund Project of Guizhou Meteorological Bureau(KF[2009]08)。
文摘As weather radar stations require headroom environment to operate,they were mostly built on highlands which are usually unattended.The mains supply is relatively poor,and the risk of radar stoppages due to power outage is therefore ever-present.As such,the radar construction program is used to build a complementary security video monitoring system.By collecting monitoring images of the regulated power supply in real-time from power supply auto transfer systems in distribution rooms and radar transceiver rooms,using Spearman’s rank correlation coefficient to analyse pixel variation trends,and supplementing statistical analysis of pixel characteristics difference to eliminate misjudgments resulting from low image contrast in special scenarios,a software can be developed through C#.It has the function of automatically monitoring mains supply and alerting staff on duty to handle the power outage in a timely manner via text message so that any potential risk is neutralised before it can cause damage.This monitoring and auto-alerting approach is generally applicable to unattended rooms with large amounts of electronical equipment.
文摘提出了采用基于Pair-Copula分解的藤Copula理论建立多元风速相依模型的方法。该方法首先考虑了风速分布的随机性,并计及风电场内部风机群风速间的相关性,采用Canonical藤描述Pair-Copula分解的逻辑结构,通过求解Canonical藤结构中的Pair-Copula概率密度函数PDF(probabilitydensity function),得到高维联合分布下的Pair-Copula多元风速相依模型;再对某实际风电场进行实证分析,得到了风电场内部6个风机群间风速的Pair-Copula联合概率密度函数JPDF(joint probability density function);最后在风电场风速相关结构的问题上进一步研究分析,为下一步建立混合Copula函数模型提供思路。
