Approach of service recovery decision-making based on Bellman dynamic programming

Based on service-oriented architecture（SOA）,a Bellman-dynamic-programming-based approach of service recovery decision-making is proposed to make valid recovery decisions.Both the attribute and the process of services in the controllable distributed information system are analyzed as the preparatory work.Using the idea of service composition as a reference,the approach translates the recovery decision-making into a planning problem regarding artificial intelligence （AI） through two steps.The first is the self-organization based on a logical view of the network,and the second is the definition of evaluation standards.Applying Bellman dynamic programming to solve the planning problem,the approach offers timely emergency response and optimal recovery source selection,meeting multiple QoS （quality of service）requirements.Experimental results demonstrate the rationality and optimality of the approach,and the theoretical analysis of its computational complexity and the comparison with conventional methods exhibit its high efficiency.

RF-CLASS： A remote-sensing-based flood crop loss assessment cyber-service system for supporting crop statistics and insurance decision-making

Floods often cause significant crop loss in the United States. Timely and objective information on flood-related crop loss, such as flooded acreage and degree of crop damage, is very important for crop monitoring and risk management in ag- ricultural and disaster-related decision-making at many concerned agencies. Currently concerned agencies mostly rely on field surveys to obtain crop loss information and compensate farmers＇ loss claim. Such methods are expensive, labor intensive, and time consumptive, especially for a large flood that affects a large geographic area. The results from such methods suffer from inaccuracy, subjectiveness, untimeliness, and lack of reproducibility. Recent studies have demonstrated that Earth observation （EO） data could be used in post-flood crop loss assessment for a large geographic area objectively, timely, accurately, and cost effectively. However, there is no operational decision support system, which employs such EO-based data and algorithms for operational flood-related crop decision-making. This paper describes the development of an EO-based flood crop loss assessment cyber-service system, RF-CLASS, for supporting flood-related crop statistics and insurance decision-making. Based on the service-orientated architecture, RF-CLASS has been implemented with open interoperability specifications to facilitate the interoperability with EO data systems, particularly the National Aeronautics and Space Administration （NASA） Earth Observing System Data and Information System （EOSDIS）, for automatically fetching the input data from the data systems. Validated EO algorithms have been implemented as web services in the system to operationally produce a set of flood-related products from EO data, such as flood frequency, flooded acreage, and degree of crop damage, for supporting decision-making in flood statistics and flood crop insurance policy. The system leverages recent advances in the remote sensing-based flood monitoring and assessment, the near-real-time availability of EO data, the service-oriented architecture, geospatial interoperability standards, and the standard-based geospatial web service technology. The prototypical system has automatically generated the flood crop loss products and demonstrated the feasibility of using such products to improve the agricultural decision-making. Evaluation of system by the end-user agencies indicates that significant improvement on flood-related crop decision-making has been achieved with the system.

Discussion on Improving Decision-making Meteorological Service Level of County-level Meteorological Station

Based on experience of meteorological service at county-level meteorological station in recent 20 years,status quo of decision-making meteorological service,main influence factors of decision-making meteorological service and writing of decision-making meteorological service materials are analyzed,and measures and suggestions of improving decision-making meteorological service level are proposed. The research aims to improve public meteorological service level at grass-roots level,provide scientific decision-making basis for government departments preventing and reducing disaster,and reduce loss of life and property of the country and people caused by meteorological disasters to the maximum extent.

The Credit Risk Assessment Model of Internet Supply Chain Finance: Multi-Criteria Decision-Making Model with the Principle of Variable Weight

The characteristics of the financing model are firstly analyzed when the e-commerce enterprises participate in the supply chain finance. Internet supply chain finance models are divided into three categories with the standard of whether the electronic commerce enterprises provide funds for small and medium enterprises instead of banks. And then we further study the financing process and the functions of the e-commerce platform with specific examples. Finally, combined with the characteristics of the supply chain finance model, we set up a small and medium enterprises credit evaluation model based on the principle of variable weight with its dynamic data. At the same time, a multi-time points and multi-indicators decision-making method based on the principle of variable weight is proposed and a specific example is presented. In this paper, the multi-criteria decision-making model with the principle of variable weight has been used two times. At last, a typical case has been analyzed based on this model with a higher accuracy rate of credit risk assessment.

The Credit Risk Assessment Model of Internet Supply Chain Finance: Multi-Criteria Decision-Making Model with the Principle of Variable Weight

The characteristics of the financing model are firstly analyzed when the e-commerce enterprises participate in the supply chain finance. Internet supply chain finance models are divided into three categories with the standard of whether the Electronic commerce enterprises provide funds for small and medium enterprises instead of banks. And then we further study the financing process and the functions of the e-commerce platform with specific examples. Finally, combined with the characteristics of the supply chain finance model, we set up a small and medium enterprises credit evaluation model based on the principle of variable weight with its dynamic data. At the same time, a multi time points and multi indicators decision-making method based on the principle of variable weight is proposed and a specific example is presented. In this paper, the Multi-criteria decision-making model with the principle of variable weight has been used two times. At last, a typical case has been analyzed based on this model with a higher accuracy rate of credit risk assessment.

Decision-Making Model of Public Service Facility Configuration in Multi-agent Communities and Its Application

The decision.making process of the public service facility configuration in multi.agent community is usually simplistic and static. In order to reflect dynamic changes and interactions of all behavior subjects induding of residents, real estate developers and the government, a decision-making model of public service facility configuration according to the multi-agent theory was made to improve the efficiency of the public service facility configuration in community and the living quality of residents. Taking a community to the cast of Jinhui Port in Fengxian District in Shanghai for example, the model analyzed the decision-makers＇ adaptive behaviors and simulated the decision.making criteria. The results indicate that the decision-making model and criteria can be well of satisfying the purpose of improving validity and rationality of public service facility configuration in large community.

营商环境优化背景下的信用法治化研究

信用法治化是高水平的社会主义市场经济体制、国家法治化建设的必然要求,是优化营商环境的基础和重要组成部分。当前,各地都面临营商环境和社会信用体系建设的机遇和重大挑战。在市场和政府的双重推动下,我国应实现顶层设计从政策化向法治化的过渡,强化政务诚信、商务诚信,防范信用泛化,加强信用主体权益保护,完善以信用为核心的新型监管机制,强化信用服务机构的培育机制,加强信用环境塑造。完善社会信用法治体系,优化营商环境,实现经济社会的高质量发展。

推进我国债务催收业规范化阳光化发展的对策建议

债务催收是信用服务行业的重要分支之一。21世纪以来,主要服务于消费信贷不良资产处置的债务催收业迎来了高速发展期。然而,受到传统观念和行业治理滞后的影响,债务催收业在迅猛发展的同时,也出现了催收行为异化、竞争失序、投诉高企等诸多乱象。基于消费信贷领域巨额的不良资产处置需求,以及创新社会治理、推动债务催收业健康发展和保护金融消费者合法权益等方面的迫切需要,我国应借鉴境外成熟经验,从制定专门法律法规、明确监管部门、建立行业自律组织、开展行业培训、完善金融机构监管等方面入手,对债务催收行业进行系统性治理,从而推进我国债务催收业规范化、阳光化发展。

论信用管理专业人才的培养

经过20多年的建设,我国的信用管理专业人才培养体系已经搭建起来。教育部高等院校信用管理专业学历教育、人力资源和社会保障部的信用管理师国家职业资格证书制度是输送信用管理专业人才的主渠道,由信控服务业提供的专业培训是对信用管理专业人才培养的有益补充。虽然我国的信用管理专业人力资源市场逐步走向成熟,但各种人才培养方式均存在亟须解决的问题,完善信用管理专业人才培养体系仍任重道远。

征信服务平台奖惩机制下小微企业融资三方演化博弈及仿真分析

当前,我国小微企业融资主要以抵押贷款为主。在信用经济的背景下,如何发挥小微企业信用价值,进而以“信用”换贷款是解决小微企业融资难的关键。通过构建“小微企业—商业银行—征信服务平台”的三方演化博弈模型,探究征信服务平台能否改变小微企业融资形势,从而为激发民营经济更多活力提供政策支持。研究结果表明:征信服务平台通过建立合理的奖惩机制,满足对小微企业的奖惩之和大于贷款本金的条件,才能保证演化稳定市场环境下的小微企业获得高效融资。基于此,利用Matlab2022b进行仿真分析,提出相应的政策建议,具体包括:一是建设全国统一的征信服务平台;二是建立守信联合激励和失信联合惩戒长效机制;三是推出多种类、有特色的小额信用贷款产品。

基于志愿者参与视角的乡村治理积分制的构建研究

乡村治理积分制作为一种新型的基层治理制度,是基层治理法治化上软法建设的重要一步,并在乡村振兴中取得了一定成效。但在实践过程中,由于发展的时间较短,乡村治理积分制还存在积分制范围不广、制度持续性不强和事务治理泛化的潜在问题。针对上述问题,文章基于志愿服务的理论分析,从模式构建、激励措施、监督管理和规则建设四个路径进行优化提升,构建基于志愿者参与视角的乡村治理积分制,达到提升乡村治理效能、推动乡村振兴的积极作用。

大数据环境下数字图书馆信用服务体系研究

大数据时代,数字图书馆扩展了服务范围和深度,提高了资源利用率及用户体验,但也存在非法下载、分享版权材料、数据篡改等新问题,对图书馆的资源管理提出了新的挑战。通过对比分析数字图书馆与传统图书馆中读者的违规行为,提出数字图书馆信用服务体系构建思路,以期为大数据环境下图书馆的数据资源管理提供参考和借鉴。

农村普惠金融服务点对农户信贷行为的影响

为打通金融服务“最后一公里”,各地不断推进农村普惠金融服务点建设,将金融服务触角延伸至村庄。本文基于2020—2021年中国土地经济调查数据,利用断点回归模型(RD)探究了农村普惠金融服务点对农户信贷行为的影响。通过研究发现,农村普惠金融服务点提升了农户信贷获得概率和扩大了信贷规模,并且提高了农户正规信贷占比,缓解了家庭面临的正规信贷约束。农村普惠金融服务点凭借扎根农村的制度优势,通过提高农户的金融产品信息完全程度和金融素养,提高了其信贷(尤其是正规信贷)获取率。进一步分析发现,农村普惠金融服务点降低了农户信贷违约概率,增强其信用意识;此外,农村普惠金融服务点增加了农户生活性借贷规模,但未能扩大生产性信贷的规模。可见,完善农村金融服务应是政府解决农户融资难和融资贵等问题的重要政策手段。

第三方信用服务机构服务信用监管路径研究

第三方信用服务机构参与政府信用监管领域为我国社会信用体系建设提供了重要思路。通过分析第三方信用服务机构在政务领域的应用价值和应用场景,搭建了涵盖守信基础、合法合规、信用记录和经营状况的企业信用评价体系,以信用监管部门与第三方信用服务机构协同合作为切入点,探讨当前第三方信用服务机构存在的问题,提出了强化数据要素的合规性和安全性、加强与行业协会交流合作和积极协助政府推进社会信用体系建设等建议。

An Adaptive Hybrid Optimization Strategy for Resource Allocation in Network Function Virtualization

With the rapid development of Network Function Virtualization(NFV),the problem of low resource utilizationin traditional data centers is gradually being addressed.However,existing research does not optimize both localand global allocation of resources in data centers.Hence,we propose an adaptive hybrid optimization strategy thatcombines dynamic programming and neural networks to improve resource utilization and service quality in datacenters.Our approach encompasses a service function chain simulation generator,a parallel architecture servicesystem,a dynamic programming strategy formaximizing the utilization of local server resources,a neural networkfor predicting the global utilization rate of resources and a global resource optimization strategy for bottleneck andredundant resources.With the implementation of our local and global resource allocation strategies,the systemperformance is significantly optimized through simulation.

现行消防审验框架下消防技术服务机构监管研究

为规范消防技术服务机构执业行为,提高其服务水平,加强对消防技术服务机构的监管十分必要。通过文献研究,分析消防技术服务机构存在问题以及从事建设工程消防审验工作壁垒。在此基础上,提出健全质量管理体系、完善服务标准、实施信用评价管理、构建消防审验技术服务管理平台等监管方法,以期为促进消防审验技术服务市场良性发展提供借鉴。

面向征信服务需求的跨区域公共资源交易区块链架构

目前,企业征信信息分散于政府和业务部门,信息孤岛现象严重,数据开放程度和丰富度严重不足,且数据使用授权的存证和抽查困难,依赖于一个互联互通、具备公信力的支撑平台,这会存在单点故障和信息泄露问题。为此,将区块链技术应用于企业征信数据管理服务,提出一个面向征信服务需求的跨区域公共资源交易链,该链能够支撑跨区域公共资源交易,满足节点去中心化,共识多样化和加密通信需求。基于底层公共资源交易链,构建了可信的智能合约管理,包括合约代码审计、自动化生命周期管理和可控判决,实现公共资源交易数据的灵活管理。基于智能合约设计了一套符合征信管理服务要求的数据管理机制,实现了企业征信数据的全生命周期管理。通过实验证明,该系统符合实际征信场景的业务需求。

银行金融科技对企业绿色创新的影响研究

绿色创新是企业实现高质量绿色转型的关键路径,而金融科技作为银行数字化运营的新兴手段,对传统金融体系融资规则的改善能够有效提升金融服务效率,赋能企业绿色发展。本文以2013~2022年商业银行和上市企业为研究对象,实证研究发现,银行金融科技应用显著提高了企业绿色创新水平,实现质和量的双重增长;且金融科技的促进作用在非制造业、中小企业、盈余操纵程度较低以及分析师关注度较高的企业中更为明显。机制分析表明,金融科技通过信贷配置效应和信贷监督效应来促进企业绿色创新,即金融科技既能够促进银行流动性创造、缓解企业融资约束来释放企业绿色创新潜力;还可以强化银行监督效率、改善企业内部管理水平来提升企业绿色创新能力。最后,本文创新性地通过滤波模型识别企业投资峰值后发现,金融科技应基于企业投资动态进行针对性数字赋能。在企业投资高峰期,金融科技赋能力度更大,信贷配置效应和信贷监督效应更为显著。

基于政策工具的医疗服务信用管理地方政策文本分析

目的:了解医疗服务信用管理地方政策重点,剖析政策工具在信用管理各环节的应用及其不足,为政策优化提供参考。方法:基于Howlett & Ramesh政策工具分类,构建“政策工具-信用管理过程”二维分析框架,对2008-2022年85份地方政策文本进行分析。结果:强制性工具占比85.1%,远超混合型工具(6.96%)和自愿性工具(7.94%)。信用管理各环节的工具应用比例分别为:信息归集和分类(21.95%)、信用评价(25.74%)、评价结果披露与传播(9.87%)、评价结果应用(27.80%)、监督与反馈(14.64%)。结论:混合型政策工具和自愿性政策工具力度偏小,需优化政策工具组合以引导市场、社会力量在信用管理中发挥各自的优势和作用。各环节政策工具分布不均衡,应改进评价结果披露和监督反馈机制。应补齐强制性工具应用短板,促进信用信息共享、评价程序规范化和政府应用场景精细化。

信誉与礼节:青年志愿服务的同情理论逻辑与治理路径

青年志愿者从事着多元、复杂、冲突的情感工作,同情水平是克服工作倦怠、保持志愿服务热情的重要因素。文章运用同情理论分析青年志愿者与服务对象在情感维度上陷入的困境,探索两者内隐的规则和逻辑。同情是志愿服务的基础情感,志愿服务是有“组织”的同情行为,也是“同情信誉”的实践,志愿服务遵循同情“忠实、有限、开放、互惠”的基本礼节。青年志愿服务的情感治理可以在微观层面唤醒志愿者的同情之心,消解志愿者的负面情绪;在中观层面储存志愿者的正向经历,优化志愿队伍的结构;在宏观层面制定志愿服务的“礼节”清单,加强社会互惠激励,给予青年志愿者足够的情感支持。