Spatiotemporal characteristics of seed rain and soil seed bank of artificial Caragana korshinskii Kom. forest in the Tengger Desert, China

Vegetation restoration and reconstruction are effective approaches to desertification control and achieving social and economic sustainability in desert areas.However,the self-succession ability of native plants during the later periods of vegetation restoration remains unclear.Therefore,this study was conducted to bridge the knowledge gap by investigating the regeneration dynamics of artificial forest under natural conditions.The information of seed rain and soil seed bank was collected and quantified from an artificial Caragana korshinskii Kom.forest in the Tengger Desert,China.The germination tests were conducted in a laboratory setting.The analysis of species quantity and diversity in seed rain and soil seed bank was conducted to assess the impact of different durations of sand fixation(60,40,and 20 a)on the progress of vegetation restoration and ecological conditions in artificial C.korshinskii forest.The results showed that the top three dominant plant species in seed rain were Echinops gmelinii Turcz.,Eragrostis minor Host.,and Agropyron mongolicum Keng.,and the top three dominant plant species in soil seed bank were E.minor,Chloris virgata Sw.,and E.gmelinii.As restoration period increased,the density of seed rain and soil seed bank increased first and then decreased.While for species richness,as restoration period increased,it gradually increased in seed rain but decreased in soil seed bank.There was a positive correlation between seed rain density and soil seed bank density among all the three restoration periods.The species similarity between seed rain or soil seed bank and aboveground vegetation decreased with the extension of restoration period.The shape of the seeds,specifically those with external appendages such as spines and crown hair,clearly had an effect on their dispersal,then resulting in lower seed density in soil seed bank.In addition,precipitation was a crucial factor in promoting rapid germination,also resulting in lower seed density in soil seed bank.Our findings provide valuable insights for guiding future interventions during the later periods of artificial C.korshinskii forest,such as sowing and restoration efforts using unmanned aerial vehicles.

Heterogeneity in Soil Seed Banks in a Mediterranean Coastal Sand Dune

Characteristics of total soil seed banks and permanent soil seed banks in three microhabitats in a Mediterranean coastal sand dune were investigated by using natural germination method combined with physically scanning separation method. The composition and structure of soil seed banks were analyzed between the microhabitats by using functional group method. The distribution patterns of soil seed bank were also analyzed between the microhabitats. We also analyzed the relationship between seed size and seed persistence in soil. The results show greatly spatial heterogeneity existed in soil seed bank of the Mediterranean coastal sand dune, even in the same microhabitats seed distribution was uneven. Sometimes a great difference occurred between them. Microhabitats significantly affected the distribution patterns of total soil seed banks and seed banks of the functional groups. The open area generally had the greater densities of seeds, but the seed densities under shrub and in trail were lower than that in the open area. Legumes seeds accounted for 76.0% total persistent seed banks. Annual and perennial grasses produced transient seed banks as no seeds were retrieved from the sieved soils. Seed persistence of legumes, umbeliferaes, perennial forbs, compositaes, annual forbs, crucifer decreased gradually. They were 50.1%, 45.6%, 40.6%, 6.3%, 5.6% and 0.6% respectively in the soil. There was a positive relationship between seed size and seed persistence. Bigger seeds had higher persistence, and vice versa.

Italian Banking Sector and Value Creation

The finn value is the fundamental topic of corporate finance. The value creation is the aim of economic initiatives, strategies, corporate policies, and all business activities, including banking. It depends, among other things, on size, legal form, and business model. Therefore, this paper wants to demonstrate and explain the differences about the value created in the Italian banking sector, where there is much diversity regarding size, legal form, and business model. This paper estimated and compared the value of Italian listed companies from 2010 to 2012 and found the result： Banks create more value if they are big and operate in investment banking. Furthermore, it proved that legal form hasn＇t influenced performance and value of banks.

Research on the Impact of the Digital Transformation of Commercial Banks

The development of the digital economy has presented both opportunities and challenges for the transformation of commercial banks.This article aims to conduct a literature review on the impact of digital transformation on commercial banks and to explore the multi-dimensional effects it brings.Through a review and analysis of relevant domestic and international literature,this paper first defines the connotation of digital transformation in commercial banks.It then conducts a literature analysis and research on the strategic governance,business performance,and risk management aspects of the digital transformation of commercial banks from multiple perspectives.Based on the analysis of the existing literature,the paper explores directions for future in-depth research and offers corresponding policy suggestions,providing a theoretical and practical foundation for the future digital development of commercial banks.

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 Impact of Digital Transformation on the Business Performance of Commercial Banks

Nowadays,with the development of the digital economy,commercial banks are actively conducting digital transformation.Studying the impact of the digital transformation of commercial banks on their operating performance can help commercial banks form a stronger core competitiveness and promote high-quality financial development.Based on the above background,this article first describes the status and development of digital transformation and development of commercial banks,and secondly analyzes whether Chinese commercial banks’digital transformation is conducive to improving their operating performance.Thirdly,by selecting the data of the listed commercial banks in the ten years of 2012–2022,this article obtains the empirical testing of the digital transformation on different property rights.Finally,the higher the level of digitalization,the higher the digital level,the more significantly promotes the performance of commercial banks.Finally,based on the above analysis,this article puts forward feasibility opinions on commercial banks and related regulators.

Combination Patterns and Depositional Characteristics of Ordovician Carbonate Banks in the Western Tarim Basin,China

The combination patterns and depositional characteristics of the carbonate banks are investigated based on outcrop sections, thin sections, and carbon isotopes of Ordovician in the western Tarim Basin, China. Four carbonate bank combination patterns are deposited in the Ordovician, western Tarim Basin, including： Reef-Bank Complex （RBC）, Algae-Reef-Bank Interbed （ARBI）, Thick-Layer Cake Aggradation Bank （TLCAB）, and Thin-Layer Cake Retrogradation Bank （TLCRB）. All combination patterns show clear periods vertically. The RBC is mainly composed of reefs and bioclastic banks, and the dimension of the RBC depends on the scale of the reefs. Bioclastic banks deposits surround the reefs. The range of the ARBI is determined by the scale of algae-reefs, algae peloid dolomite microfacies and algal dolomite microfacies deposit alternating vertically. TLCAB and TLCRB are deposited as layer-cakes stacking in cycles and extending widely with cross bedding developed. The grains of TLCAB and TLCRB are diverse and multi-source. With the impacting of relative sea level change, biological development and geomorphology, the ARBI, TLCAB or TLCRB, RBC are successively developed from the Lower Ordovician Penglaiba Formation to the Middle Ordovician Yijianfang Formation. The depositional environment analysis of Ordovician indicates that the RBC and ARBI can form effective oil and gas reservoirs, and the TLCAB and TLCRB have the potential to form the huge scale oil and gas reservoirs and to be the crucial targets of exploration for the Ordovician carbonate banks in the future.

Study on the Countermeasures to Improve the Public Outdoor Leisure and Fitness Function on the Two Rivers and Four Banks in the Main Urban Area of Chongqing

The main urban area of Chongqing is surrounded by two rivers and set against each other.With its unique waterfront landscape,it has the resource conditions to become a leisure tourism destination.Intending to enhance people’s happiness,improve city quality,and promote Chongqing’s main urban area to become a tourist destination,this paper finds out the existing problems in the construction of public outdoor leisure and fitness facilities on the two rivers and four banks of Chongqing’s main urban area through investigation and analysis based on relevant experiences at home and abroad,takes the value chain theory as the guidance,and to find solutions to the problem.On this basis,combined with the law of economic operation,this paper puts forward the guiding ideology,principles,development goals,functional orientation,and development path for the improvement of public outdoor leisure and fitness on two rivers and four banks in the main city of Chongqing,and accordingly puts forward the policy system and guarantee measures for its improvement.

Preparation of DNA from Silica Gel Dried Mini_amount of Leaves of Oryza rufipogon for RAPD Study and Total DNA Bank Construction

Gene resources of Oryza rufipogon Griff. play a crucial role in rice breeding, and hence to study their conservation is of utter importance. The authors describe a method for preparation of DNA from mini_amount of the silica_gel_dried leaves of Oryza rufipogon . The high molecular weight DNAs of 1?168 individuals representing 44 populations have been obtained with high yields, which could be used for RAPD PCR and construction of total DNA bank of this species. The template DNA from silica_gel_dried leaves stored for one year at room temperature gave the same RAPD results as that from the newly prepared silica_gel_dried leaves. The optional template DNA concentrations for amplification ranged from 3.1 ng to 50 ng. In addition, the quality and quantity of the template DNAs that affect RAPD results are also discussed.

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.

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.

Effect of Different Soak Treatments on Breaking Seed Dormancy in Soil Seed Bank from Different Degraded Grasslands

[Objective] The aim was to study the effect of different soak treatments on breaking seed dormancy in soil seed bank from different degraded grasslands. [Method] Different concentrations of H2SO4,GA3 and KNO3 were used for soaking the seeds in the soil seed bank from different degraded grasslands,and the germination number of seeds was detected. [Result] When the seeds from soil seed bank were soaked with 60%,70%,80% and 90% H2SO4,the germination number of seeds was 0,indicating that the germination of seeds was inhibited; when the seeds were soaked with GA3,the germination number of seeds increased with the concentration of GA3 increasing. When the concentration of GA3 increased to 0.10%,the germination of seeds was inhibited; when the seeds were soaked with 0.2% KNO3,the germination number of seeds was greater than the blank control. [Conclusion] The number of remaining seeds was more in the soil seed banks collected from moderately degraded grassland and heavily degraded grassland; while the number of remaining seeds was small in the soil seed banks collected from lightly degraded grassland and extremely degraded grassland.

Characteristics of Soil Seed Bank and Natural Regenerations in Pinus densata Natural Forest of Southeast Tibet

Pinusdensata is one of the main constructive species for coniferous forests in southeast Tibet. P. densata forests are important water conservation forests in the drainage basins of the middle and lower reaches of Yalu Tsangpo River, Nyang River and Parlung Zangbo River. In this study, with P. densata forest distributed in southeast Tibet as research object, the seed rain, soil seed bank, seed germination and natural regeneration of P. densata were monitored and ana- lyzed by field investigation, located monitoring and indoor experimental analysis. The results showed that the average intensity of the seed rain of P. densata was 249.30±78.42 seeds/m2, in which the intensity of full seeds was 168.09±56.36 seeds/m2, the intensity of seeds damaged by worms was 41.11±20.25 seeds/m2, and the intensity of empty seeds was 40.10±21.04 seeds/m2. The intensity of the seed rain exhibited a single-peak trend of increasing at first and decreasing then over time. The spatial distribution patterns in the whole seed falling process and at different seed falling time all exhibited clumping distribution, and within in certain range, with the distance from the seed tree increasing, the diffusion intensity of the seed rain was weakened, exhibiting approximately normal distribution. In average density of P. densata seeds in the soil seed bank of P. densata was 231 seeds/m2, in which 62.77% of seeds were distributed in the litter layer, and 37.23% of seeds were distributed in the soil layer, and about 8% of seeds were lost during the pro- cess from seed rain to soil seed bank. Field sowing observation showed that the accumulated germination rate curve of P. densata fitted with Logistics equation y= 91.404/（1＋e66194.449）. The height structure, basal diameter structure and age structure of seedlings and young trees of P. densata were all of reverse ＂J＂ type, indicating good natural regeneration of P. densata. This study would provide a science basis for protection and resource management of P. densata, and further enrich the eval- uation content of national ecological safety curtain of the Tibet plateau.

GHG Emissions of Italian Unlisted Firms and Bank Debt

In this paper I investigate the effect of the greenhouse gas emissions of a sample of 478 Italian unlisted firms on their bank debt,in the context of the growing attention and awareness for climate change issue.My findings show that unlisted firms generating low levels of greenhouse gas emissions borrow less long-term,short term,and total bank debt than unlisted firms generating high levels of greenhouse gas emissions,to finance their growth opportunities.Being the first work analyzing this topic,to the best of my knowledge,further empirical research could also investigate the impact of greenhouse gas emissions on the bank financing of unlisted firms of different countries,representing specific cultural and political approaches towards climate change problems.

The impact of FinTech start-ups on incumbent retail banks’share prices

Background:This study aims to clarify the role of FinTech digital banking start-ups in the financial industry.We examine the impact of the funding of such start-ups on the stock returns of 47 incumbent US retail banks for 2010 to 2016.Methods:To capture the importance of FinTech start-ups,we use data on both the dollar-volume of funding and number of deals.We relate these to the stock returns with panel data regression methods.Results:Our results indicate a positive relationship exists between the growth in FinTech funding or deals and the contemporaneous stock returns of incumbent retail banks.Conclusions:Although these results suggest complementarity between FinTech and traditional banking,we note that our results at the banking industry level are not statistically significant,and that the coefficient signs for about one-third of the banks are negative,but not statistically significant.Since the FinTech industry is young and our sample period short,we cannot rule out that our findings are spurious.

Efficient channelized technology based on filter banks

With the appearance of novel radar signal with low intercept probability, the bandwidth of radar receiver is wider and wider. Wideband digital receiver becomes a research hotspot in the field of communication, radar and electronic reconnaissance, etc. As one of wideband digital receiver systems, digital channelized receiver has become a research emphasis due to the characteristics of full probability receiving and processing multiple signals. Digital channelized technology and signal sampling theory are deeply studied and an efficient channelized model is derived based on filter banks. The correctness of the model is verified by computer simulation The model has less computation compared with the traditional model, which is suitable for engineering application

Efficient design method of non-uniform cosine modulated filter bank for digital hearing aids

To promote the performance of the traditional multichannel filter bank which leads to speech quality degradation,an efficient design method of the non-uniform cosine modulated filter bank（CMFB） based on the audiogram for digital hearing aids is proposed. First, a low-pass prototype filter is designed by the linear iterative algorithm. Secondly,the uniform CMFB is achieved on the basis of the principle formulas. Then, the adjacent channels of a uniform filter bank which have low or gradual slopes are merged according to the trend of audiogram of the hearing impaired person. Finally,the corresponding non-uniform CMFB is obtained. Simulation results show that the signal processed by the proposed filter bank is similar to the original signal in a time-domain waveform and spectrogram without significant distortion or difference. The speech quality results show that the personal evaluation of speech quality（PESQ） of non-uniform CMFB is 35% higher than that of the traditional design, and the hearing-aid speech quality index（HASQI） increases by about 40%.

Investigating customer churn in banking:a machine learning approach and visualization app for data science and management

Customer attrition in the banking industry occurs when consumers quit using the goods and services offered by the bank for some time and,after that,end their connection with the bank.Therefore,customer retention is essential in today’s extremely competitive banking market.Additionally,having a solid customer base helps attract new consumers by fostering confidence and a referral from a current clientele.These factors make reducing client attrition a crucial step that banks must pursue.In our research,we aim to examine bank data and forecast which users will most likely discontinue using the bank’s services and become paying customers.We use various machine learning algorithms to analyze the data and show comparative analysis on different evaluation metrics.In addition,we developed a Data Visualization RShiny app for data science and management regarding customer churn analysis.Analyzing this data will help the bank indicate the trend and then try to retain customers on the verge of attrition.

基于Auto bank的某水库大坝渗流安全评价

以富水水库为例,依托达西定律和渗流理论基础,并结合Auto bank有限元软件分析了水库在正常高水位、设计洪水位、校核洪水位下坝体及坝基的渗流状况,计算结果表明水库日渗漏量远小于允许日渗漏量,水库渗漏量满足规范要求。大坝各工况最大渗透坡降均小于规范允许值,渗透变形满足规范要求。左坝肩存绕渗现象,建议加强监测。

Distribution of Turbidity and Fluorescence of SPM in Adjacent Waters of Taiwan Bank in Summer

The turbidity and fluorescence of suspended particulate matter （SPM） in the Taiwan Bank and adjacent waters were investigated during July-August, 2004, to examine the effects of the marine sediments re-suspension and sedimentary processes on the turbidity and fluorescence distribution of SPM. The results show that the turbidity of SPM is affected by the re-suspension of marine sediment in the near shore and continental shelf outer fringe, but not obvious in the shoal. The enrichment of phytoplankton has some effects on the turbidity in the continental shelf outer fringe, but not evident in the near shore. This is helpful for better understanding the distribution of turbidity and fluorescence in the adjacent waters of Taiwan Bank.