简论打分卡技术的优化与运用

打分卡技术目前越来越多地被商业银行运用于解决小微企业授信业务中。然而,无论是量化型还是评级型的打分卡模型都有其自身的缺陷,制约了在商业银行中的广泛推广运用。本文综合两者之长,研究提出一种优化的打分卡技术模型,以期达到更佳的使用效果。

CALCULATING ACCURATE PERIODIC MOTIONS OF HARMONICALLY FORCED PIECEWISE LINEAR OSCILLATORS

This paper presents an efficient numerical scheme for calculating the periodic motion of a harmonically forced piecewise linear oscillator very accurately. The scheme is based on the shooting technique with the traditional numerical Poincare mapping and its Jacobian replaced by the piecewise analytic ones. Thus, the scheme gets rid of the requirement of the current schemes for an assumed order of the oscillator trajectory passing through different linear regions. The numerical examples in the paper demonstrate that the new scheme, compared with the current schemes, enables one to cope with more complicated dynamics of harmonically forced piecewise linear oscillators.

积点评分法的岗位评价

积点评分法是目前应用最为广泛的量化岗位评价方法。本文针对基于积点评分法岗位评价的主要环节即岗位评价表编制、岗位评分、岗位评价原始分与薪点值转换提出了关键方法与技术,为科学、公正、合理评价岗位提供了理论和实践指导。