银行信用风险管理机制:“硬”信息对“软”信息

在存在隐藏信息道德风险的委托-代理框架下分析了不同类型信息对信用风险管理的影响。结果显示,获得"软"信息可减少VaR资本需求,但也促使信贷员利用"软"信息进行信号操纵。提出了利用工资激励合同防止操纵的产生。通过应用模拟方法对2种框架("软"信息和2类信息结合)的结果进行对比,证实"软"信息对银行家有利但需要对银行内部组织结构进行改进。

银行规模与经理人激励——基于中国信息和不确定性环境的理论研究

本文基于委托代理激励理论,探讨不同规模银行中信息类别、不确定性信息与合同期限、政府行为等因素对经理人激励的影响。发现在中国这样的转型经济国家中,不确定性、非契约关系与政府行为使得银行规模与其竞争力和生存性的关系变得更加微妙。(1)相对大银行而言,小银行的发展面临更多的机会和风险;(2)长期合同下股权激励对于小银行经理人有着更为重要的意义;(3)客户经理的素质高低与一致性对于小银行激励效率的发挥至关重要;(4)我国小银行与地方政府天然密切的关系对其"软"信息获取作用很大,但同时也可能对其激励机制的长期有效性造成负面影响。

企业社会信息披露与环境信息披露对市场质量影响的实证分析

文章以2009-2011年中国上市公司披露的社会责任报告为研究样本,将企业披露的社会责任信息区分为环境信息与社会信息、定量的和经济相关的"硬"信息与定性的和经济无关的"软"信息,运用事件分析法,通过比较社会责任信息披露前后股票市场波动性与流动性的变化来检验不同类型的社会责任信息在我国资本市场中发挥的作用。研究表明:社会责任信息披露评级越高,股票的波动性下降越多,而流动性上升越大;环境信息与社会信息都是企业社会责任披露必须同时涵盖的内容,在降低信息不对称中的作用是相互补充的;相较于"软"社会责任信息,"硬"社会责任信息更有助于提升市场的透明度。

谁为中小企业融资?——基于信息处理能力跨期演化视角

主流观点认为,银行机构与其融资对象之间,天然存在规模对应格局,其理论支撑是"小银行优势"假说。然而,对于广东省辖内大银行(分支)机构的田野式调研发现,大银行机构正积极布局小企业市场。本文的解释是,其一,凭借其范围经济优势,大银行机构具备以低利率水平向小企业融资的充分条件;其二,中国的大银行机构惯性地拥有"软"信息贷款技能;其三,将不同规模的银行机构置于跨期模型,动态综合分析其信息处理能力,不同规模的银行机构的"软""硬"信息处理能力,存在消长演化,即在阶段Ⅱ的竞争格局中,大银行机构越来越凸显出其综合信息处理的成本优势。该项研究结论的政策含义在于,缓解中小企业融资困境的思维方式,不能拘泥于增设中小银行机构,而应更多关注大银行机构的规模经济和范围经济拓展效应。

美国社区银行发展历史对我国中小银行的启示

美国社区银行凭借基于"软"信息的关系贷款技术向中小企业提供融资,形成了专门的小银行优势。上个世纪80年代以来,关系贷款重要性下降,社区银行发展面临挑战。但是近来研究发现,社区银行依然活跃在美国中小企业信贷市场,维持其在关系贷款方面的优势。美国社区银行的发展历史对国内中小银行的发展提供了有意的经验借鉴,包括:明确市场定位;提供全面的金融服务;综合利用多种信贷技术;充分发挥关系的价值,等等。

Soft Decoding Scheme of Convolution Code Combined with Huffman Coding

This paper proposes a modification of the soft output Viterbi decoding algorithm (SOVA) which combines convolution code with Huffman coding. The idea is to extract the bit probability information from the Huffman coding and use it to compute the a priori source information which can be used when the channel environment is bad. The suggested scheme does not require changes on the transmitter side. Compared with separate decoding systems, the gain in signal to noise ratio is about 0 5-1.0 dB with a limi...

Temporal and spatial characteristics of harmful algal blooms in Qingdao Waters,China

Qingdao waters,including both the semi-enclosed Jiaozhou Bay(JB) and the adjacent water out of JB(OJB),have been the areas that are most frequently affected by harmful algal blooms(HABs) in the western Yellow Sea(west of 124°E).In this research,HAB occurrences in Qingdao waters from 1990 to 2009 were investigated using spatial tools in geographic information system(GIS) and are discussed in terms of their connection to temporal variation.Additionally,the effects of each HAB occurrence were further evaluated using a simple model.The calculated results were then visualized using a GIS software to indicate the effects of HABs in Qingdao waters during the entire period.As a result,the OJB was proven to be responsible for the frequent HAB occurrences in Qingdao waters after 2000,although JB was traditionally believed to be the principle source of HAB occurrences in Qingdao waters.In addition,increasing nitrogen and N/P structure imbalance were essential for increasing HAB occurrences in Qingdao waters throughout the entire period,especially for the recent HAB occurrences in the OJB.The results of this research would improve the current understanding on HAB occurrences in Qingdao waters,which would benefit HAB monitoring and the implementation of a control strategy in China as well.

Synthetic information prediction system for crisis mine based on GIS

Reserves of some kinds of the crisis mines will be lack now or from now on, because of lacking seriously reserves of mineral resources and the crisis of exploring bases in support. So that it is urgent to predict, appraise, development and utilize the replaceable resources of the crisis mines. The mineral resources prediction software system of synthetic information is intelligent GIS which is used to quantitative prediction of large-scale synthetic information mineral target. It takes the geological body and the mineral resource body as a unit. And it analyzes the ore deposit genesis and metallotect, knows the spatial distribution laws of the ore deposit and ore body, and establish the prospecting model based on the concept of establishing the three-dimensional space of a mine. This paper will primarily discuss some important problems as follows: the secondary development of various kinds of data(including geology, geophysical prospecting, geochemical prospecting and remote sensing, etc); process synthetically and establish the synthetic information interpretative map base; correspond prospecting model with synthetic information of ore deposit; divided into statistical units of metallogenic information synthetic anomalies based on the synthetic information anomalies of ore control, then research the metallogenic information variable of unit synthetically and make quantitative prediction according to choose the quantitative prediction math model which is suitable to the demands of large-scale precision; at last, finish the target area optimization of ore deposit (body).

A Metadata Model Based on Coupling Testing Information to Increase Testability of Component

A software component must be tested every time it is reused in order to assure quality of component itself and system in which it is to be integrated.So how to increase testability of component has become a key technology in the software engineering community.Here a method is introduced to increase component testability.And meanings of component testability and relative effective ways to increase testability are summarized.Then definitions of component coupling testing criterion,DU-I(Definition-Use Information) and OP-Vs(Observation-Point Values)are given.Base on these,a definition-use table is introduced,which includes DU-A and OP-Vs item,to help component testers to understand and observe interior details about component under test better.Then a framework of testable component based on above DU-table is given.These facilities provide ways to detect errors,observe state variables by observation-points based monitor mechanism.Moreover,above methods are applied to our application developed by ourselves before,and some test cases are generated.Then our method is compared with Orso method and Kan method using the same example,presenting the comparison results.The results illustrate the validity of our method,effectively generating test cases and killing more mutants.

关系型借贷下上市公司配股融资的实证研究

本文基于市场发展环境分析了上市公司配股融资的概况,对上市公司配股融资行为进行了实证研究。研究发现:在大型上市公司的配股融资行为中存在关系型借贷行为,而且显著正向影响上市公司的配股融资数量,但在中小型上市公司中的关系型借贷并不显著影响企业的贷款量。究其原因在于商业银行在审批小型上市公司货款过程中,更加关注"硬性"信息方面的考察。此外,中小型上市公司并没有与银行之间确立起长期性的合作关系,所以为协调国内各类上市公司配股融资行为,商业银行需确立起一套完备的信用记录系统,共享信息资源,在上市公司货款中强化"软性"信息方面的考察。

DPOI: Distributed Software System Development Platform for Ocean Information Service

Ocean information management is of great importance as it has been employed in many areas of ocean science and technology. However, the developments of Ocean Information Systems(OISs) often suffer from low efficiency because of repetitive work and continuous modifications caused by dynamic requirements. In this paper, the basic requirements of OISs are analyzed first, and then a novel platform DPOI is proposed to improve development efficiency and enhance software quality of OISs by providing off-the-shelf resources. In the platform, the OIS is decomposed hierarchically into a set of modules, which can be reused in different system developments. These modules include the acquisition middleware and data loader that collect data from instruments and files respectively, the database that stores data consistently, the components that support fast application generation, the web services that make the data from distributed sources syntactical by use of predefined schemas and the configuration toolkit that enables software customization. With the assistance of the development platform, the software development needs no programming and the development procedure is thus accelerated greatly. We have applied the development platform in practical developments and evaluated its efficiency in several development practices and different development approaches. The results show that DPOI significantly improves development efficiency and software quality.

Using Sobel Operator for Automatic Edge Detection in Medical Images

The problems of installation and integration of complex suite of software for processing medical images. Based analysis of the situation is realized in an easier integration of an automated system using the latest information technologies using the web - environment for analysis and segmentation of DICOM - images.

Implementation method of Oil and Gas Geologic Information System with ArcGIS Engine

ComGIS is the mainstream of developing GIS currently.Developing Geographic Information System with the technology of components can reduce the difficulties of developing,improving the developing efficiency and enhancing the flexibility and opening of system.ArcObjects(AO) is based on the technology of COM,and ArcGIS Engine(AE) is a set of embedded AO which can extend to various platforms.Compared with AO,ArcGIS Engine can shorten the period of developing and improve the efficiency greatly.Having introduced the techniques of ArcObjects and ArcGIS Engine,we offer the method of developing GIS with Visual Basic and ArcGIS Engine with Oil and Gas Geologic Information System.

A metrics suite for coupling measurement of software architecture

To better evaluate the quality of software architecture,a metrics suite is proposed to measure the coupling of software architecture models,in which CBC is used to measure the coupling between components,CBCC is used to measure the coupling of transferring message between components,CBCCT is used to measure the coupling of software architecture,WCBCC is used to measure the coupling of transferring message with weight between components,and WCBCCT is used to measure the coupling of message transmission with weight in the whole software architecture. The proposed algorithm for the coupling metrics is applied to the design of serve software architecture. Analysis of an example validates the feasibility of this metrics suite.

Geospatial Mapping of Fisheries Profile of West Bengal of India through GIS

In the age of information and technological advancements, location-awareness is becoming a key feature in management of natural resources. Geospatial mapping is a location based study and is a part of intelligence GIS which is expected to be useful tool for fisheries scientists, aquatic resource managers and policy planners in developing and planning strategies for fisheries resources of the country. In this context, a study was performed where mapping of fisheries profile of West Bengal was carried out using GIS tool having critical geographic dimensions. For this purpose, at the core of the system fisheries data of West Bengal were accessed and integrated from different sources at district level. Data were tabulated using Microsoft Excel and then joined to digitize Map of West Bengal to enable mapping using Arc info 9.3 GIS software. This was further synchronized and integrated to generate four thematic maps based on different criteria. The map dealing with fisher folk population and their occupation contains the searchable criteria as regards to the fishermen population as well as their classified categories according to their occupation. The map dealing with West Bengal fish production contains fish production, fish seed production district-wise and growth rate for 2004-2008. The third map contains district-wise water resources and reservoir areas along with brackish water. With this mapped information, planners and various stakeholders will have readily accessible district level data on various components of fisheries of West Bengal, thereby facilitating better planning, management and development of the fisheries sector.

SDICN: A Software Defined Deployable Framework of Information Centric Networking

the Information-Centric Networking(ICN) paradigm is proved to have the advantages of decreasing data delivery latency, enhancing user mobility, etc. However, current implementations of ICN require changing the infrastructure of Internet, which hinders its deployment and development. Meanwhile, Software Defined Networking(SDN) emerges as a viable solution to facilitate the deployment of new network paradigm without disrupting production traffic by decoupling the control plane from data forwarding plane. In this paper, the essential properties which reflect ICN working principles are summarized, and a framework called SDICN is designed in accordance to the SDN philosophy. The algorithmic frameworks of SDICN which can satisfy the essential properties are designed based on the programmability and virtualization functions of SDN. Based on Open Flow and data center technology, a prototype of SDICN is implemented. By comparing the performance with the CCNx, the SDICN is proved to be feasibility and availability.

MAHIS-based analysis and design of financial investment planning system

In financial investment planning,a large number of components that interact in varying and complexways are involved.This leads to complex behavior that is difficult to understand,predict and manage.Asingle intelligent technique can not solve the complicated and elaborate investment planning problems.Itis necessary to study those problems synthetically by combining the multiple intelligent techniques.Weemployed fussy algorithms,genetic algorithms,etc.to solve complicated financial portfolio managementin this paper.We analyse and design an agent-based hybrid intelligent system by following the methodolo-gy for constructing agent-based hybrid intelligent system(MAHIS).The system starts with the financialrisk tolerance evaluation based on fussy algorithms.Asset allocation,portfolio selections,interest predic-tions,and ordered weighted averaging can be conducted by using hybrid intelligent techniques.The plan-ning agent in the system can easily access all the intelligent processing agents,including the agents of fi-nancial risk tolerance assessment,asset allocation,portfolio selection,interest prediction,and decisionaggregation.Overall system robustness is facilitated.

An Integration Testing Framework and Evaluation Metric for Vulnerability Mining Methods

Software an important way to vulnerability mining is detect whether there are some loopholes existing in the software, and also is an important way to ensure the secu- rity of information systems. With the rapid development of information technology and software industry, most of the software has not been rigorously tested before being put in use, so that the hidden vulnerabilities in software will be exploited by the attackers. Therefore, it is of great significance for us to actively de- tect the software vulnerabilities in the security maintenance of information systems. In this paper, we firstly studied some of the common- ly used vulnerability detection methods and detection tools, and analyzed the advantages and disadvantages of each method in different scenarios. Secondly, we designed a set of eval- uation criteria for different mining methods in the loopholes evaluation. Thirdly, we also proposed and designed an integration testing framework, on which we can test the typical static analysis methods and dynamic mining methods as well as make the comparison, so that we can obtain an intuitive comparative analysis for the experimental results. Final- ly, we reported the experimental analysis to verify the feasibility and effectiveness of the proposed evaluation method and the testingframework, with the results showing that the final test results will serve as a form of guid- ance to aid the selection of the most appropri- ate and effective method or tools in vulnera- bility detection activity.

Evaluation of a Novel Approach for Automated Inventive Conceptual Design of Building Structures

This research is dedicated to assessment of a method that was earlier proposed and developed in order to increase the degree of automation and software involvement into conceptual decision making during design of structural elements of buildings. Such instruments of the theory of inventive problem solving as contradiction and function analysis and trimming formed the basis of the proposed approach that was realized in a modern building information modeling software. The common logic of the approach is also provided in the article. Qualitative research methods and particularly collecting, analyzing and interpreting data were applied in this research. Firstly, a literature review of indexed journal articles in the field of the study was performed and some trends for possible development of the topic were identified. Secondly, a survey of potential users of the methodology was conducted and analyzed. The questionnaire results showed that the suggested method and its technical realization gained attraction among respondents, however, some of them are rather cautious regarding application of the approach potentials in their practice. The paper ends with evaluation results discussion, conclusion and proposals for further research.

The Impact of Enterprise Resource Planning （ERP） System on the Cost and Price of Auditing Auditor＇s Perspective

Technology plays a key role in today＇s business environment. Many companies greatly rely on computers and software to provide accurate information to effectively manage their business processes. It is becoming increasingly necessary for all businesses to incorporate information technology solutions to operate successfully. One way for many corporations to adopt information technology （IT） on a large scale is by installing enterprise resource planning （ERP） systems to accomplish their business transactions and data-processing needs. ERP systems are software packages that enable the integration of business processes throughout an organization. This study aims to determine the effect of the ERP system on the cost of auditing period compared with traditional computerized （non-ERP） systems. According to cost analysis, the study also points out the changes in audit price. The methodology used in this research is survey-based data collection. The questionnaires are sent to auditors who are working with companies with ERP systems. The answers are processed and analyzed using Statistical Package for Social Sciences （SPSS） 20. The data are performed using the statistical test to determine the effect of ERP usage on the cost of auditing process and pricing policy of auditors. The findings of this study are： （1） Companies with ERP systems are reducing their auditing costs; and （2） Auditing companies are not implying a low rate of price to their customers using ERP.