There are two methods widely used for evaluating the adequacy of Deposit Insurance Fund: (i) Target Reserve Ratio and (ii) Credit Risk Model. Target Reserve Ratio is one of the macro level indicators more often s...There are two methods widely used for evaluating the adequacy of Deposit Insurance Fund: (i) Target Reserve Ratio and (ii) Credit Risk Model. Target Reserve Ratio is one of the macro level indicators more often set by Regulatory act on the basis of minimum Deposit Insurance Fund margin safety, Target Reserve Ratio is calculated as the ratio of Deposit Insurance Fund to the value of insured deposits. However, TRR does not take into consideration the level of Deposit Insurance potential liability, the Loss at Given Default (LGD) and the historical trend of default rate prevailing among the insured banks. It does not also consider the present condition of the economy and current scenario of the banking sector. This paper discusses primarily about development of Credit Risk Model for evaluating the Deposit Insurance Fund Adequacy. For this purpose, Econometric Credit Risk Model was developed based on the historical data of bank failures and the associated losses of the last 25 years from 1990-91 to 2014-15. The model assesses various possible factors impacting the Deposit Insurance Fund: Default rate, Deposit growth, Exposures, impact of macro-economic factors like GDP, GDS, Inflation and Interest rate changes, etc. on the Deposit Insurance Fund through econometric modeling. The model evaluates the adequacy of Deposit Insurance Fund under both (i) Normal scenarios where there is no (economic) systemic risk assumed and (ii) Worst case scenario at 1% level of significance using Monte Carlo Simulation. Since the model empirically validates all the critical factors impacting the assets and liabilities associated with Loss at Given Default, the model output can also be used to determine a suitable Target Reserve Ratio and such models are being used in countries like USA, Canada, Hong Kong, and Singapore, etc. (IADI, 2009). More importantly, the model outputs are quite useful in determining the adequacy of deposit insurance fund which is an effective risk control measure that organization like Deposit Insurance Credit Guarantee Corporation (DICGC) can adopt both under normal economic scenario as well as worst case scenario, ensuring a strong financial safety net for the banking sector in India. The model also assesses the default probability and the Loss at Given Default of different types of banks: commercial banks, rural banks, cooperative banks, foreign banks, etc. A risk based on premium can possibly be determined for each type of banks in India.展开更多
After comparing the mechanism of tilted plume under stack effect with that of spill plume,the tilted plume model induced by stack effect in a vertical shaft is developed simply based on the theoretical results and a s...After comparing the mechanism of tilted plume under stack effect with that of spill plume,the tilted plume model induced by stack effect in a vertical shaft is developed simply based on the theoretical results and a series of full-scale tests. It is shown that the two sides of plume are symmetrical and have an accordant regulation that the plume radius has a linear relation to the height z. The profile of fire plume under stack effect is similar to the windblown flame in wind tunnel,and the range of flame deflection angle is about from 50 to 60 degree.展开更多
In the era of big data, government, business and personal digital information will be possible for data mining. Data mining requires massive data as a support. However, the direct release of the original mass data, wh...In the era of big data, government, business and personal digital information will be possible for data mining. Data mining requires massive data as a support. However, the direct release of the original mass data, which usually contain some sensitive information of personal or analysis, will result in leakage of user privacy. Therefore, it is becoming increasingly important to protect privacy information in data publishing. In this paper, we focus on the multi-type self-identified format-preserving encryption. First, we introduce a multi-type self-identified format-preserving encryption system and discuss the encryption of various types of data in this system. Then, for the format preserving encryption(FPE) about Chinese name, we study from the encryption model construction and basic encryption scheme. The format-preserving encryption model about Chinese name is constructed and the concept of the name library is presented. Based on this, it is used to not only limit the message space to reduce complexity, but also ensure the cipher in accordance with the Chinese naming habits. In addition, according to the encryption and decryption model, format-preserving encryption process of Chinese name is designed. In order to add new names, the algorithm of name space expansion is proposed. Based on the Prefix, this paper put forward an algorithm named Cycle-Prefix, which enhances the security and dynamics of FPE by using two adjustment factors and the circular encryption. Compared with the traditional Prefix algorithm, experiments show that Cycle-Prefix can not only complete the task of FPE for Chinese name, but also encrypt same plain text into different ciphers under the premise of similar efficiency with Prefix.展开更多
Objective: The aim of our study was to observe the survival and morphological changes of thawed ovarian tis- sues after heterotopic transplantation. Methods: Twenty SPF-SD female rats (5-6 weeks old) were equally ...Objective: The aim of our study was to observe the survival and morphological changes of thawed ovarian tis- sues after heterotopic transplantation. Methods: Twenty SPF-SD female rats (5-6 weeks old) were equally randomized into the control group and experimental group. In control group, the freshly isolated ovaries were fixed in formalin. In experimental group, the freshly isolated ovaries were vitrified immediately and cut into thin slices. After stored in liquid nitrogen for 21 days, the tissues of experimental group were rapidly thawed and transplanted into back muscles of rats for 2 or 4 weeks, respectively. After that, all rats in experimental group were sacrificed and the ovarian tissues were collected and fixed in 4% formaldehyde solution. Then the ovarian tissues were stained with HE and observed under the light confocal microscope. Re- suits: With the naked eyes, there was no specific alteration except the size reduction with color changing. Under microscopy, we found normal cortex and medulla in the ovary, and the primordial follicles and follicles in various stages were observed in the cortex. The normal oocytes in ovarian tissues of experimental group were significant decreased than in the control group. Conclusion: The ovarian tissues survive well in experimental group and there is no significant difference in the proportion of follicles between different times (2 and 4 weeks) after grafting. Our results suggest that thawed ovarian tissues could survive after heterotopic transplantation into back muscles of rat models and maintain their morphology and function.展开更多
Laryngeal squamous cell carcinoma(LSCC) remains a highly morbid and fatal disease. Historically, it has been a model example for organ preservation and treatment stratification paradigms. Unfortunately, survival for L...Laryngeal squamous cell carcinoma(LSCC) remains a highly morbid and fatal disease. Historically, it has been a model example for organ preservation and treatment stratification paradigms. Unfortunately, survival for LSCC has stagnated over the past few decades. As the era of next-generation sequencing and personalized treatment for cancer approaches, LSCC may be an ideal disease for consideration of further treatment stratification and personalization. Here, we will discuss the important history of LSCC as a model system for organ preservation, unique and potentially targetable genetic signatures of LSCC, and methods for bringing stratified, personalized treatment strategies to the 21^(st) century.展开更多
文摘There are two methods widely used for evaluating the adequacy of Deposit Insurance Fund: (i) Target Reserve Ratio and (ii) Credit Risk Model. Target Reserve Ratio is one of the macro level indicators more often set by Regulatory act on the basis of minimum Deposit Insurance Fund margin safety, Target Reserve Ratio is calculated as the ratio of Deposit Insurance Fund to the value of insured deposits. However, TRR does not take into consideration the level of Deposit Insurance potential liability, the Loss at Given Default (LGD) and the historical trend of default rate prevailing among the insured banks. It does not also consider the present condition of the economy and current scenario of the banking sector. This paper discusses primarily about development of Credit Risk Model for evaluating the Deposit Insurance Fund Adequacy. For this purpose, Econometric Credit Risk Model was developed based on the historical data of bank failures and the associated losses of the last 25 years from 1990-91 to 2014-15. The model assesses various possible factors impacting the Deposit Insurance Fund: Default rate, Deposit growth, Exposures, impact of macro-economic factors like GDP, GDS, Inflation and Interest rate changes, etc. on the Deposit Insurance Fund through econometric modeling. The model evaluates the adequacy of Deposit Insurance Fund under both (i) Normal scenarios where there is no (economic) systemic risk assumed and (ii) Worst case scenario at 1% level of significance using Monte Carlo Simulation. Since the model empirically validates all the critical factors impacting the assets and liabilities associated with Loss at Given Default, the model output can also be used to determine a suitable Target Reserve Ratio and such models are being used in countries like USA, Canada, Hong Kong, and Singapore, etc. (IADI, 2009). More importantly, the model outputs are quite useful in determining the adequacy of deposit insurance fund which is an effective risk control measure that organization like Deposit Insurance Credit Guarantee Corporation (DICGC) can adopt both under normal economic scenario as well as worst case scenario, ensuring a strong financial safety net for the banking sector in India. The model also assesses the default probability and the Loss at Given Default of different types of banks: commercial banks, rural banks, cooperative banks, foreign banks, etc. A risk based on premium can possibly be determined for each type of banks in India.
基金supported by the National Key Project of Scientific and Technical Supporting Programs Funded by Ministry of Science &Technology of China ( Grant No: 2006BAJ13B03)the RGCCERG Grant #CityU1253/04E from Hong Kong Re-search Grant Council, HKSAR
文摘After comparing the mechanism of tilted plume under stack effect with that of spill plume,the tilted plume model induced by stack effect in a vertical shaft is developed simply based on the theoretical results and a series of full-scale tests. It is shown that the two sides of plume are symmetrical and have an accordant regulation that the plume radius has a linear relation to the height z. The profile of fire plume under stack effect is similar to the windblown flame in wind tunnel,and the range of flame deflection angle is about from 50 to 60 degree.
基金supported by the National Natural Science Foundation of China under Grant(No.61772085),(No.61672109),(No.1472024)and.(No.61532012)
文摘In the era of big data, government, business and personal digital information will be possible for data mining. Data mining requires massive data as a support. However, the direct release of the original mass data, which usually contain some sensitive information of personal or analysis, will result in leakage of user privacy. Therefore, it is becoming increasingly important to protect privacy information in data publishing. In this paper, we focus on the multi-type self-identified format-preserving encryption. First, we introduce a multi-type self-identified format-preserving encryption system and discuss the encryption of various types of data in this system. Then, for the format preserving encryption(FPE) about Chinese name, we study from the encryption model construction and basic encryption scheme. The format-preserving encryption model about Chinese name is constructed and the concept of the name library is presented. Based on this, it is used to not only limit the message space to reduce complexity, but also ensure the cipher in accordance with the Chinese naming habits. In addition, according to the encryption and decryption model, format-preserving encryption process of Chinese name is designed. In order to add new names, the algorithm of name space expansion is proposed. Based on the Prefix, this paper put forward an algorithm named Cycle-Prefix, which enhances the security and dynamics of FPE by using two adjustment factors and the circular encryption. Compared with the traditional Prefix algorithm, experiments show that Cycle-Prefix can not only complete the task of FPE for Chinese name, but also encrypt same plain text into different ciphers under the premise of similar efficiency with Prefix.
文摘Objective: The aim of our study was to observe the survival and morphological changes of thawed ovarian tis- sues after heterotopic transplantation. Methods: Twenty SPF-SD female rats (5-6 weeks old) were equally randomized into the control group and experimental group. In control group, the freshly isolated ovaries were fixed in formalin. In experimental group, the freshly isolated ovaries were vitrified immediately and cut into thin slices. After stored in liquid nitrogen for 21 days, the tissues of experimental group were rapidly thawed and transplanted into back muscles of rats for 2 or 4 weeks, respectively. After that, all rats in experimental group were sacrificed and the ovarian tissues were collected and fixed in 4% formaldehyde solution. Then the ovarian tissues were stained with HE and observed under the light confocal microscope. Re- suits: With the naked eyes, there was no specific alteration except the size reduction with color changing. Under microscopy, we found normal cortex and medulla in the ovary, and the primordial follicles and follicles in various stages were observed in the cortex. The normal oocytes in ovarian tissues of experimental group were significant decreased than in the control group. Conclusion: The ovarian tissues survive well in experimental group and there is no significant difference in the proportion of follicles between different times (2 and 4 weeks) after grafting. Our results suggest that thawed ovarian tissues could survive after heterotopic transplantation into back muscles of rat models and maintain their morphology and function.
基金J. Chad Brenner received funding from NIH (Grants No. U01DE025184 and P30: CA046592 S1)Andrew C. Birkeland and Rebecca Hoesli received support from University of Michigan Otolaryngology Resident Research (Grant No. T32DC005356)Megan L. Ludwig was supported by NIH (Grant No. T-32-GM007315)
文摘Laryngeal squamous cell carcinoma(LSCC) remains a highly morbid and fatal disease. Historically, it has been a model example for organ preservation and treatment stratification paradigms. Unfortunately, survival for LSCC has stagnated over the past few decades. As the era of next-generation sequencing and personalized treatment for cancer approaches, LSCC may be an ideal disease for consideration of further treatment stratification and personalization. Here, we will discuss the important history of LSCC as a model system for organ preservation, unique and potentially targetable genetic signatures of LSCC, and methods for bringing stratified, personalized treatment strategies to the 21^(st) century.