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小微企业两种信贷定价模式比较研究:引入信用系数β的博弈分析 被引量:1
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作者 王坤 王京安 《金融理论与实践》 北大核心 2016年第6期46-51,共6页
在引入信用系数β来衡量企业的还贷能力和还贷意愿的基础上,比较研究了两种信贷定价模式下银行和企业在融资成本、利润和风险方面的变化,通过博弈分析,构造了浮动利率信贷定价模式优于固定利率信贷定价模式的条件,研究得出了浮动利率与... 在引入信用系数β来衡量企业的还贷能力和还贷意愿的基础上,比较研究了两种信贷定价模式下银行和企业在融资成本、利润和风险方面的变化,通过博弈分析,构造了浮动利率信贷定价模式优于固定利率信贷定价模式的条件,研究得出了浮动利率与信用系数的关系:R=(1-β)R,β≦1,为银行确定浮动利率提供了操作性比较强的依据。结果表明,浮动利率信贷定价模式在抵押品要求上是对固定利率信贷模式的帕累托改进,并达到了帕累托最优。浮动利率信贷定价模式用浮动利率直接激励了企业的信用行为,形成了企业守信—银行利率刺激的良性循环。 展开更多
关键词 小微企业 信用系数β 浮动利率信贷定价模式 博弈
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基于信用系数的动态改进的PBFT算法
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作者 王陈培 《电子制作》 2019年第8期46-48,89,共4页
随着以比特币为代表的数字货币的兴起,区块链作为其底层的技术受到越来越多的关注。区块链本身是一种点对点的分布式系统,共识算法是解决各节点达成共识的机制,以POW、POS为代表的公有链共识算法有算法效率低下,耗能严重,以Paxos、Raft... 随着以比特币为代表的数字货币的兴起,区块链作为其底层的技术受到越来越多的关注。区块链本身是一种点对点的分布式系统,共识算法是解决各节点达成共识的机制,以POW、POS为代表的公有链共识算法有算法效率低下,耗能严重,以Paxos、Raft为代表的传统分布式一支算法未考虑到拜占庭容错。因此,本文在对FBFT算法分析的基础上,提出了基于信用系数的动态改进算法,既考虑到了拜占庭容错、又增加了算法了灵活性,提高了算法的吞吐量、时延等性能。 展开更多
关键词 区块链 共识算法 拜占庭容错 PBFT 信用系数
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商业银行表外业务的开展及信用转换系数调整
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作者 褚天舒 《天中学刊》 2017年第3期60-64,共5页
近些年,随着我国商业银行的快速发展,表外业务在银行整体经营中的比重不断增加,交易量逐年攀升,信用证和保函业务增长更为明显。但是,表外业务需占用经济资本,在存贷比放开后,经济资本约束成为其发展的最大瓶颈。根据当前各商业银行公... 近些年,随着我国商业银行的快速发展,表外业务在银行整体经营中的比重不断增加,交易量逐年攀升,信用证和保函业务增长更为明显。但是,表外业务需占用经济资本,在存贷比放开后,经济资本约束成为其发展的最大瓶颈。根据当前各商业银行公示的表外业务收费比例,全额授信敞口办理表外业务的资本收益率远低于贷款的投放收益,而且表外业务实际违约风险也远低于目前制定的转换系数。从资本占用及回报的角度出发,商业银行应调整表外业务的信用转换系数。 展开更多
关键词 表外业务 信用转换系数 资本回报
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信用证欺诈例外的函数分析
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作者 夏临江 周园 《重庆科技学院学报(社会科学版)》 2008年第1期103-104,共2页
从一个全新的角度分析信用证欺诈的性质,认为可以构建一个抽象的函数,从函数的角度来对信用证欺诈问题进行新的表述。
关键词 信用 欺诈例外 信用系数
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Credit Metrics模型下我国商业银行企业贷款信用风险管理模型的改进
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作者 何琴 《中国经贸》 2009年第20期145-145,共1页
本文分析了我国商业银行静态贷款资产风险度量模型,并在Credit Metrics模型下对其进行了改进,提出了改善我国商业银行企业贷款信用风险管理的政策建议。
关键词 CREDIT Metrics模型 信用风险系数 转移矩阵 损失率
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Design and Applications of Land Resources and Ecological Environment Information System: A Case Study of Zigui County in the Three Gorges Area of China 被引量:25
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作者 ZHOUYONG WANGSHANQIN +1 位作者 DONGYUANHUA YANGLINZHANG 《Pedosphere》 SCIE CAS CSCD 2002年第4期373-381,共9页
The design and applications of a land information system built upon ARC/INFO and ArcView are presented. The proposed system not only maintains all the advantages of the more conventional implementations but also enhan... The design and applications of a land information system built upon ARC/INFO and ArcView are presented. The proposed system not only maintains all the advantages of the more conventional implementations but also enhances them in the following ways: 1) the application program interfaces (API) are used to transmit data and messages among different parts of the system; 2) the integrated system can support studies on land evaluations and ecological analyses by efficient management of attribute and spatial data and 3) correspondingly, spatial records and attributive records are linked by the same identifiers (ID). A case study application in Zigui County of the Three Gorges Area in China demonstrates that the system could employ land-use maps and land property data to predicate and analyze the land utilization changes in the past, present and future. The ecological environment analysis can be carried out with the data of land, economics and terrain map used, showing that the system can be widely applied, especially to survey land and environment resources in the countryside area. 展开更多
关键词 attribute database ecological environment land resources spatial database
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Restricted common data in anonymous E-cash system 被引量:1
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作者 张向军 陈克非 《Journal of Harbin Institute of Technology(New Series)》 EI CAS 2006年第5期595-600,共6页
Discuss the problem of infinite increasing coin list in anonymous E-cash systems, which reduce the efficiency of whole system greatly. Though some methods are suggested, no one can solve the problem with high efficien... Discuss the problem of infinite increasing coin list in anonymous E-cash systems, which reduce the efficiency of whole system greatly. Though some methods are suggested, no one can solve the problem with high efficiency and flexibility. Here, we use the technique of adding information in blind signatures to deal with this problem. Through adding timestamp in signatures, we can separate the valid period of all used coins into pieces. Only the coins in the last stage are recorded. So the scale of the coins list is controlled. We also analyze the anonymity of these data, and add some indispensable restrictions to them. These restrictions can ensure that the imported data don’t break the anonymity of the customers. In order to fulfill these qualifications, we lead to the concept of restricted common data (RCD). Furthermore, we propose two schemes to add RCD in the blind signature. The simple one is easy to implement, while the complex one can note the value of the coin. The usage of RCD leads to little additional cost, as well as maintaining the anonymity of customers. This method fits for most kinds of anonymous E-cash systems. 展开更多
关键词 blind signatures anonymity E-cash system restricted common data
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Tiny 2D silicon quantum sheets:a brain photonic nanoagent for orthotopic glioma theranostics 被引量:2
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作者 Zhaohua Miao Dehong Hu +8 位作者 Duyang Gao Linxin Fan Yan Ma Teng Ma Xin Liu Hairong Zheng Zhengbao Zha Zonghai Sheng Cheng-Yan Xu 《Science Bulletin》 SCIE EI CSCD 2021年第2期147-157,M0004,共12页
We report that atomically thin two-dimensional silicon quantum sheets(2D Si QSs),prepared by a scalable approach coupling chemical delithiation and cryo-assisted exfoliation,can serve as a highperformance brain photon... We report that atomically thin two-dimensional silicon quantum sheets(2D Si QSs),prepared by a scalable approach coupling chemical delithiation and cryo-assisted exfoliation,can serve as a highperformance brain photonic nanoagent for orthotopic glioma theranostics.With the lateral size of approximately 14.0 nm and thickness of about 1.6 nm,tiny Si QSs possess high mass extinction coefficient of 27.5 Lg^(-1)cm^(-1)and photothermal conversion efficiency of 47.2%at 808 nm,respectively,concurrently contributing to the best photothermal performance among the reported 2 D mono-elemental materials(Xenes).More importantly,Si QSs with low toxicity maintain the trade-off between stability and degradability,paving the way for practical clinical translation in consideration of both storage and action of nanoagents.In vitro Transwell filter experiment reveals that Si QSs could effectively go across the b End.3 cells monolayer.Upon the intravenous injection of Si QSs,orthotopic brain tumors are effectively inhibited under the precise guidance of photoacoustic imaging,and the survival lifetime of brain tumor-bearing mice is increased by two fold.Atomically thin Si QSs with strong light-harvesting capability are expected to provide an effective and robust 2D photonic nanoplatform for the management of brain diseases. 展开更多
关键词 Two-dimensional(2D)silicon Photothermal therapy Photoacoustic imaging Theranostic agents Orthotopic glioma
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