Utilization of tidal current is becoming a focus of marine energy research and development field. In this paper, a new type of tidal current power generating device which was called flexible blade turbine was put forw...Utilization of tidal current is becoming a focus of marine energy research and development field. In this paper, a new type of tidal current power generating device which was called flexible blade turbine was put forward. A scale model testing was carried out, and results show that the models performed as expected with good hydrodynamic characteristics. Based on analysis of the results, a scale model turbine with a rated power of 5 kW was constructed, which was an optimal scheme of the flexible blade turbine having higher coefficient of power and power generation capacity. Sea trials were carried out in the Zhaitang Island Channel to evaluate the performance of the turbine. Results show that the turbine performed well, generating the power predicted.展开更多
Credit scoring models are quantitative models used commonly by financial institutions in the measurement and forecasting of credit risk, having a consolidated use in the process of credit concession of these instituti...Credit scoring models are quantitative models used commonly by financial institutions in the measurement and forecasting of credit risk, having a consolidated use in the process of credit concession of these institutions. The purpose of this paper was to evaluate the possibility of application of credit scoring models in a microcredit institution named Fundo Rotativo de A~~o da Cidadania--Cred Cidadania （Revolving Fund of Citizenship Action--Cred Cidadania）, located in Recife （Brazil）. In order to do this, data related to a sample of clients of the Cred Cidadania was collected, and this data was used to develop two types of credit scoring models： one is credit approval, another is called behavioral scoring. The statistical technique applied in the construction of the models was logistic regression. The results of the study demonstrated that the credit scoring models obtain satisfactory performance when used in the analysis of credit risk in the Cred Cidadania microcredit institution, reaching a correct client classification percentile of about 80%. The results also indicate that the use of credit scoring models supplies subsidies to the institution, aiding it in the prevention and reduction of insolvency and in the decrease of its operational costs, two problems that affect their financial sustainability.展开更多
基金the National Natural Science Foundation of China(No. 50979101)Shandong Province Natural Science Foundation (No. Q2008F05)
文摘Utilization of tidal current is becoming a focus of marine energy research and development field. In this paper, a new type of tidal current power generating device which was called flexible blade turbine was put forward. A scale model testing was carried out, and results show that the models performed as expected with good hydrodynamic characteristics. Based on analysis of the results, a scale model turbine with a rated power of 5 kW was constructed, which was an optimal scheme of the flexible blade turbine having higher coefficient of power and power generation capacity. Sea trials were carried out in the Zhaitang Island Channel to evaluate the performance of the turbine. Results show that the turbine performed well, generating the power predicted.
文摘Credit scoring models are quantitative models used commonly by financial institutions in the measurement and forecasting of credit risk, having a consolidated use in the process of credit concession of these institutions. The purpose of this paper was to evaluate the possibility of application of credit scoring models in a microcredit institution named Fundo Rotativo de A~~o da Cidadania--Cred Cidadania （Revolving Fund of Citizenship Action--Cred Cidadania）, located in Recife （Brazil）. In order to do this, data related to a sample of clients of the Cred Cidadania was collected, and this data was used to develop two types of credit scoring models： one is credit approval, another is called behavioral scoring. The statistical technique applied in the construction of the models was logistic regression. The results of the study demonstrated that the credit scoring models obtain satisfactory performance when used in the analysis of credit risk in the Cred Cidadania microcredit institution, reaching a correct client classification percentile of about 80%. The results also indicate that the use of credit scoring models supplies subsidies to the institution, aiding it in the prevention and reduction of insolvency and in the decrease of its operational costs, two problems that affect their financial sustainability.
