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一种基于k-means的客户信用内部分级评分模型 被引量:1
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作者 常宏伟 《信息系统工程》 2023年第3期32-36,共5页
在金融行业不断创新发展的背景下,伴随着量化工具的快速发展,宏观经济环境和金融市场急剧变化,银行业面临的风险出现复杂化和多样化的特点,客户信用风险这一银行主要风险也在深刻剧烈变化,运用客户信用内部评分可以显著加强银行风险控制... 在金融行业不断创新发展的背景下,伴随着量化工具的快速发展,宏观经济环境和金融市场急剧变化,银行业面临的风险出现复杂化和多样化的特点,客户信用风险这一银行主要风险也在深刻剧烈变化,运用客户信用内部评分可以显著加强银行风险控制,基于k-means方式提出一种客户信用内部分级评分模型,能够动态、有效控制风险。 展开更多
关键词 客户信用 内部分级评分模型 K-MEANS 控制风险
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集团公司内部进行分级核算及资金统一管理问题探讨 被引量:9
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作者 赵迎华 《吉林财税》 2003年第9期37-38,共2页
企业集团是现代化大生产高度发展的产物,是一个经济实体。近几年来,随着我国加入WTO以及社会经济的迅猛发展,来自外部、内部的竞争日益激烈。为了共同抵制风险,国内同行业以至跨行业公司,纷纷进行强强联合组建集团公司。为此。
关键词 集团公司 内部分级核算 资金管理 会计结算中心
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新课改形式下高中生英语自学能力的提高与改进之我见
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作者 翟学兵 《科技资讯》 2011年第35期193-193,共1页
本文主要通过对我校学生英语学习现状的调查及造成这种现象的原因的分析,得出目前我校大多数同学对英语学习不感兴趣更谈不上主动去学习英语。在调查分析的基础上,我把在教学过程中是如何培养学生的学习兴趣及提高学生自学能力的做法向... 本文主要通过对我校学生英语学习现状的调查及造成这种现象的原因的分析,得出目前我校大多数同学对英语学习不感兴趣更谈不上主动去学习英语。在调查分析的基础上,我把在教学过程中是如何培养学生的学习兴趣及提高学生自学能力的做法向大家做了介绍(。1)积极地了解同学们的学习心理、家庭教育环境及学习特征,根据不同学生的特点给出课堂上及时的评价。从而逐步培养学生的学习自信心进而提高他们的学习兴趣及自主学习能力(。2)利用课堂教学环节提升教师魅力吸引学生做学生的良师益友,创建和谐的师生关系。 展开更多
关键词 自主学习能力 学习兴趣 内部分级 教师魅力
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Protection of Innovative Achievements,Spatial Spillover,and Internal Structural Upgrading of the Productive Service Industry-Empirical Evidence from 28 Provinces in China
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作者 ZHOU You TAN Guangrong 《Journal of Resources and Ecology》 CSCD 2024年第5期1368-1381,共14页
This study measured the level of innovation achievement protection and the degree of internal structural upgrading of the productive service industry in 28 provinces of China from 2000 to 2022.Exploratory spatial anal... This study measured the level of innovation achievement protection and the degree of internal structural upgrading of the productive service industry in 28 provinces of China from 2000 to 2022.Exploratory spatial analysis methods were used to test the spatial correlation between the two variables,and the spatial impact of innovation achievement protection on the optimization of the internal structure of the productive service industry was examined at the national and sectoral levels.The results showed three main aspects of this system.(1)The agglomeration level of innovation achievement protection and internal structure optimization of the productive service industry between regions in China continued to increase during the sample period,and there was a clear similarity and synchronicity in the spatial evolution of the two variables.(2)The overall improvement in the protection level of innovative achievements is conducive to promoting the internal structural upgrading of China’s productive service industry.However,there are significant differences in the degree to which the protection of innovative achievements affects the internal structural upgrading of the productive service industry in the four major regions of the East,Central,Northeast,and West.The protection of innovative achievements in the East and Central regions significantly promotes the internal structural optimization of the productive service industry,while this effect is not significant in the western and northeastern regions.(3)The results of the robustness test indicate that the impact of internal structural upgrading of the productive service industry in the previous year on the level of innovation achievement protection is not significant.The interference from abnormal values of the internal structural upgrading of the productive service industry in various regions and the influence of municipalities directly under the central government on the regression results are not significant.After replacing the main variable,the coefficient of the innovation achievement protection level remained significantly positive.The conclusions of this study supplement and improve the theory of innovation achievement protection and industrial transformation and upgrading,providing decision-making support for improving the level of innovation achievement protection and promoting the internal structural upgrading of the productive service industries in China. 展开更多
关键词 productive service industry protection of innovative achievements internal structure upgrade exploratory spatial analysis spatial econometric analysis
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