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替代性数据对信用风险评估的作用研究及启示 被引量:7
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作者 刘音露 杨渊 《征信》 北大核心 2021年第8期31-37,共7页
替代性数据是传统借贷信息的有益补充,在现代化征信体系中发挥着重要作用。替代性数据的应用有助于提升违约预测能力、促进普惠金融发展,结构化替代性数据的作用表现在风险预测能力的提升,而非结构化替代性数据的作用更多体现在对客户... 替代性数据是传统借贷信息的有益补充,在现代化征信体系中发挥着重要作用。替代性数据的应用有助于提升违约预测能力、促进普惠金融发展,结构化替代性数据的作用表现在风险预测能力的提升,而非结构化替代性数据的作用更多体现在对客户的全面评估上。以银行账户结算数据为代表的具有较强预测力的替代性数据是应用中的优先选择。在发挥替代性数据信用价值的同时,有必要强化监管,防范应用过程的各类风险。 展开更多
关键词 替代性数据 结构化数据 非结构化数据 信用风险评估 监管保障
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Testing for Nonlinearity in Dynamic Characteristics of Vertical Upward Oil-Gas-Water Three-phase Bubble and Slug Flows 被引量:1
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作者 朱雷 金宁德 +2 位作者 高忠科 杜萌 王振亚 《Chinese Journal of Chemical Engineering》 SCIE EI CAS CSCD 2012年第5期870-882,共13页
Based on the conductance fluctuation signals measured from vertical upward oil-gas-water three-phase flow experiment, time frequency representation and surrogate data method were used to investigate dynamical characte... Based on the conductance fluctuation signals measured from vertical upward oil-gas-water three-phase flow experiment, time frequency representation and surrogate data method were used to investigate dynamical characteristics of oil-in-water type bubble and slug flows. The results indicate that oil-in-water type bubble flow will turn to deterministic motion with the increase of oil phase fraction f o and superficial gas velocity U sg under fixed flowrate of oil-water mixture Q mix . The dynamics of oil-in-water type slug flow becomes more complex with the increase of U sg under fixed flowrate of oil-water mixture. The change of f o leads to irregular influence on the dynamics of slug flow. These interesting findings suggest that the surrogate data method can be a faithful tool for characterizing dynamic characteristics of oil-in-water type bubble and slug flows. 展开更多
关键词 oil-gas-water three-phase flow conductaJace fluctuating signals time-frequency representation surrogate data method
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