Understanding Credit Risk in Internet Consumer Finance:An Empirical Analysis with a Focus on the Young Generation

In recent years,internet finance has garnered increasing attention from the public.Online lending,emerging within the framework of Internet finance as a pivotal component,has witnessed substantial growth.While online credit,within the realm of Internet finance,presents numerous advantages over traditional lending,it concurrently exposes a plethora of credit risk issues.This study aims to facilitate the effective utilization of online credit tools by the young generation within the context of Internet finance.Additionally,it seeks to ensure the overall stability of the Internet finance environment and mitigate risks for the youth.Given the significance of understanding credit risk management for college students in the age of internet finance,this paper adopts the logistic model to evaluate credit risk in internet consumer finance and provides pertinent recommendations from the perspective of the young generation.

Designing Bayesian Two-Sided Group Chain Sampling Plan for Gamma Prior Distribution

Acceptance sampling is used to decide either the whole lot will be accepted or rejected,based on inspection of randomly sampled items from the same lot.As an alternative to traditional sampling plans,it is possible to use Baye-sian approaches using previous knowledge on process variation.This study pre-sents a Bayesian two-sided group chain sampling plan(BTSGChSP)by using various combinations of design parameters.In BTSGChSP,inspection is based on preceding as well as succeeding lots.Poisson function is used to derive the probability of lot acceptance based on defective and non-defective products.Gamma distribution is considered as a suitable prior for Poisson distribution.Four quality regions are found,namely:(i)quality decision region(QDR),(ii)probabil-istic quality region(PQR),(iii)limiting quality region(LQR)and(iv)indifference quality region(IQR).Producer’s risk and consumer’s risk are considered to esti-mate the quality regions,where acceptable quality level(AQL)is associated with producer’s risk and limiting quality level(LQL)is associated with consumer’s risk.Moreover,AQL and LQL are used in the selection of design parameters for BTSGChSP.The values based on all possible combinations of design parameters for BTSGChSP are presented and inflection points’values are found.Thefinding exposes that BTSGChSP is a better substitute for the existing plan for industrial practitioners.

识别及其治理:消费主义视角下的生态环境风险

消费主义作为一种意识形态和生活方式,深度冲击着人和自然的和谐关系,引发了人为原因导致的生态环境风险。资本逻辑的制度根源、异化劳动的实践根源和工具理性的认识根源共同构成消费主义视野下生态环境风险生成的内在逻辑。消费主义导致的生态环境风险具有渐进性、累积性和隐蔽性等特征,呈现出环境安全风险、环境健康风险、环境国际风险以及环境伦理风险等不同风险样态。为此,应牢固树立生态环境风险意识,完善社会主义条件下资本运行的驾驭和导控机制,持续推动绿色消费方式的构建,努力提升生态环境风险的治理能力。

技术社会消费的文化批判和重塑

目前中国社会还很难说是消费社会,但既然买方市场已经占据主导地位,就应该从各方面来把握消费社会的基本特征,而从技术发展视角来把握消费社会特征显然具有重要意义,因为消费社会的兴起在某种意义上来自技术的不断进步,也正是技术发展推动企业生产出了超过基本需求的大量产品并滋长了消费主义观念的流行。在这种意义上讲,基于公共风险意识回到消费者的文化建构上来,有利于纠正目前消费主义倡导的过度消费观念和促进技术文明与消费社会的健康发展。

Bayesian Group Chain Sampling Plan for Poisson Distribution with Gamma Prior

Acceptance sampling is a statistical quality control technique that consists of procedures for sentencing one or more incoming lots of finished products.Acceptance or rejection is based on the inspection of sampled products drawn randomly from the lot.The theory of previous acceptance sampling was built upon the assumption that the process from which the lots are produced is stable and the process fraction nonconforming is a constant.Process variability is inevitable due to random fluctuations,which may inadvertently lead to quality variation.As an alternative to traditional sampling plans,Bayesian approach can be used by considering prior information of the process.Using different combinations of design parameters,this study introduces a Bayesian group chain sampling plan(BGChSP).For the first time in group chain sampling plan,the probability of lot acceptance is derived by using Poisson distribution to estimate an average number of defectives.Gamma distribution is used as a prior distribution with Poisson distribution.Taking into account both consumer’s and producer’s risks,this research considers two quality regions namely,probabilistic quality region(PQR)and indifference quality region(IQR).By minimizing consumer’s and producer’s risks,BGChSP can be used to minimize the average number of defective products in industry.

消费主义价值观解析:合理与风险

消费主义价值观是与消费社会的出现相伴而生的,它的存在真切地反映了消费在社会发展中的重要作用。但是,作为一种价值观,消费主义在使用时也是风险四伏的。从本质上说,它是对一种新的异化现象的某种认同,是工具理性极端发展的必然结果,是从属于"资本的逻辑"的。它鼓励人们从消费中寻求人生的意义,因而不仅使人们对物欲的追求趋于无限,而且也给人类带来了深重的生态危机、精神危机以及价值观念的迷失。

Acceptance Sampling Plans with Truncated Life Tests for the Length-Biased Weighted Lomax Distribution

In this paper,we considered the Length-biased weighted Lomax distribution and constructed new acceptance sampling plans(ASPs)where the life test is assumed to be truncated at a pre-assigned time.For the new suggested ASPs,the tables of the minimum samples sizes needed to assert a specific mean life of the test units are obtained.In addition,the values of the corresponding operating characteristic function and the associated producer’s risks are calculated.Analyses of two real data sets are presented to investigate the applicability of the proposed acceptance sampling plans;one data set contains the first failure of 20 small electric carts,and the other data set contains the failure times of the air conditioning system of an airplane.Comparisons are made between the proposed acceptance sampling plans and some existing acceptance sampling plans considered in this study based on the minimum sample sizes.It is observed that the samples sizes based on the proposed acceptance sampling plans are less than their competitors considered in this study.The suggested acceptance sampling plans are recommended for practitioners in the field.

Improved Attribute Chain Sampling Plan for Darna Distribution

Recently,the Darna distribution has been introduced as a new lifetime distribution.The two-parameter Darna distribution represents is a mixture of two well-known gamma and exponential distributions.A manufacturer or an engineer of products conducts life testing to examine whether the quality level of products meets the customer’s requirements,such as reliability or the minimum lifetime.In this article,an attribute modified chain sampling inspection plan based on the time truncated life test is proposed for items whose lifetime follows the Darna distribution.The plan parameters,including the sample size,the acceptance number,and the past lot result of the proposed sampling plan,are determined with the help of the two-point approach considering the acceptable quality level(AQL)and the limiting quality level(LQL).The plan parameters and the corresponding operating characteristic functions of a new plan are provided in tabular form for various Darna distribution parameters.Also,a few illustrated examples are presented for various distribution parameters.The usefulness of the proposed attribute modified chain sampling plan is investigated using two real failure time datasets.The results indicate that the proposed sampling plan can reduce the sample size when the termination ratio increases for fixed values of the producer’s risk and acceptance number.Hence,the proposed attribute modified chain sampling inspection plan is recommended to practitioners in the field.

BYOD的优势、风险及应对措施分析

IT消费者化主要指员工希望采用个人私有的电子设备处理日常工作,同时也可以享受与传统办公环境相同的应用体验。随着消费者对IT转型的不断推动,企业也相继制定合理的战略来支持BYOD办公。员工的自带移动设备广泛地接入到企业网络,虽然BYOD给企业带来了巨大的机遇,但企业网络也面临着巨大的挑战。研究从BYOD的起源开始,逐步探讨其在应用过程中的优势和风险,进而为企业移动办公的安全性建设提供一系列可行性建议,帮助企业提高经济效益的同时,避免相关安全问题的产生和扩展。

Designing Bayesian New Group Chain Sampling Plan For Quality Regions

Acceptance sampling is a well-established statistical technique in quality assurance.Acceptance sampling is used to decide,acceptance or rejection of a lot based on the inspection of its random sample.Experts concur that the Bayesian approach is the best approach to make a correct decision,when historical knowledge is available.This paper suggests a Bayesian new group chain sampling plan(BNGChSP)to estimate average probability of acceptance.Binomial distribution function is used to differentiate between defective and non-defective products.Beta distribution is considered as a suitable prior distribution.Derivation is completed for the estimation of the average proportion of defectives.This study includes four quality regions namely:(i)probabilistic quality region(PQR),(ii)quality decision region(QDR),(iii)limiting quality region(LQR),and(iv)indifference quality region(IQR).The estimated values for the BNGChSPare tabulated and the inflection point values are derived,based on different combinations of design parameters including both consumer’s and producer’s risks.For comparison with the existing plan,the operating characteristic curves expose that BNGChSP is a better substitute for industrial practitioners.