财税库银税收收入电子缴库横向联网的成效与不足

实行财税库银税收收入电子缴库横向联网以来,系统运行基本稳定,业务量稳步提升,经济和社会效益显著。而其中存在的一些问题制约着横向联网建设的全面推进,应引起各级相关部门的高度重视。

含金属锡铟的导电银厚膜的抗氧化机理研究

通过在导电银电子浆料中添加适量的金属锡铟粉末,得到一种新的抗氧化银浆,并采用丝网印刷技术制备银厚膜.探讨了厚膜在自然时效氧化和硫化氢气氛中硫化氧化的过程及机理,采用扫描电子显微镜(SEM)、能谱(EDS)和X射线衍射(XRD)对银厚膜表面的微观形貌和元素成分进行分析.结果表明,含金属锡铟的银厚膜比纯银厚膜具有更好的抗氧化性.热力学分析表明,添加的金属锡铟与氧气、硫化氢反应的Gibbs自由能比纯银的小,更易在厚膜的晶界/孔洞缺陷处发生氧化反应,延缓银的氧化,从而提高银厚膜抗氧化能力.

湖南省农村信用社前台业务规范化管理探究

在电子银行业务快速发展的背景下,本文从制度设计、网点规划、劳动效能等六个方面探讨了湖南省农村信用社前台业务存在的系列问题,并从加强制度体系建设、重塑柜面流程、释放内部效能、防范操作风险和提升服务水准等方面提出规范农信社前台管理的相关对策。

Transparent Electronic Skin Device Based on Microstructured Silver Nanowire Electrode

Transparent, flexible electronic skin holds a wide range of applications in robotics, humanmachine interfaces, artificial intelligence, prosthetics, and health monitoring. Silver nanowire are mechanically flexible and robust, which exhibit great potential in transparent and electricconducting thin film. Herein, we report on a silver-nanowire spray-coating and electrodemicrostructure replicating strategy to construct a transparent, flexible, and sensitive electronic skin device. The electronic skin device shows highly sensitive piezo-capacitance response to pressure. It is found that micropatterning the surface of dielectric layer polyurethane elastomer by replicating from microstructures of natural-existing surfaces such as lotus leaf, silk, and frosted glass can greatly enhance the piezo-capacitance performance of the device. The microstructured pressure sensors based on silver nanowire exhibit good transparency, excellent flexibility, wide pressure detection range （0-150 kPa）, and high sensitivity （1.28 kPa-1）.

Priority of Factors Affected on Customer＇s Satisfaction in the E-Banking by Using Kano Model and Analytical Hierarchy Process： A Case of Iranian Commercial Bank

The aim of the article is to determine the extent to which customer satisfaction＇s in the e-banking in Semnan area had organizational and customer readiness for developing their services. One of the most important sectors that plays key role for grasping developed condition is banking sector. Banks like other institutions also look for augmenting their profits and increasing their strength by expansion. The designing of bank must involve selection of those that have sufficient success potential. Hence, from several factors of success, the following three criteria factors have been： selected-customer satisfied, one dimensional, and product fully functional. These factors offers three question multi criteria group extracted from a 16 norms. Also, three criteria factors have been studied over a period of five years and important criteria for evaluating the norms. The Analytical Hierarchy Process （AHP） has been employed to calculate the success potential of each norm. The empirical data comprises the longitudinal survey of the agricultural banking of the Semnan province. The paper, also, finds that product fully functional is placed as the first priority.

Electrochemical Behavior and Specific Capacitance of Polyaniline/Silver Nanoparticle/Multi-walled Carbon Nanotube Composites

In this work, we fabricated the polyaniline/silver nanoparticle/multi-walled carbon nanotube （PANI/Ag/MWCNT） composites by in situ polymerization of aniline on the wall of Ag/MWCNTs with different aniline to Ag/MWCNT mass ratios. The chemical structure of the ternary composites was characterized by Fourier transform infrared spectroscopy, Xray diffraction, and X-ray photoelectron spectroscopy. Scanning electron microscope and high-resolution transmission electron microscopy were used to observe the morphology of the ternary composites. The results showed that the polyaniline PANI layer was prepared successfully and it covered Ag/MWCNTs completely. In addition, Ag nanoparticles between the MWCNT core and the PANI layer existed in the form of elemental crystal, which could contribute to the electrochemical performance of the composites. Then we prepared the composite electrodes and studied their electrochemical behaviors in 1 mol/L KOH. It was found that these composite electrodes had very low impedance, and exhibited lower resistance, higher electrochemical activity, and better cyclic stability compared with pure PANI electrode. Particularly, when the mass ratio of aniline to Ag/MWCNTs was 5：5, the composite electrode displayed a small equivalent series resistance （0.23 Ω） and low interfacial charge transfer resistance （〈0.25 Ω）, as well as 160 F/g of the maximum specific capacitance at a current density of 0.25 A/g in KOH solution. We could conclude that the composite material had potential applications as cathode materials for lithium batteries and supercapacitors.

Implications of E-banking in Entrepreneurial Marketing --.Case From Albania

The goal of this article is to determine the spread and use of e-banking technology in Albanian banks, to see the help and advantages that this service provides to the banks and to the customers, and of course to determine if our banking system is actually in the Internet era. In the last decade we notice that banks pay a growing attention to their marketing services and in particular to the use of the latest technologies for their promotions. The use of the lnternet has influenced in the fact that customers now are closer to their banks, their number has increased, and of course through the Internet we have a more efficient exchange of products and services. A questionnaire was developed to help us understand the internet banking acceptance in Albania and other issues related to it. The questionnaire survey was conducted on 9 banks operating in Albania and from the evaluation of the collected data results that all banks that underwent questionnaire, have a separate marketing department. So marketing has an important role in the banking business. The importance of marketing rose by increased interbank competition in recent years. Crisis and economic and financial difficulties have shown that banks, which face these difficult periods, have been those which had not only a healthy bank policy, but also a strong commercial policy. These things depend on many factors, among which we can mention： the tradition, which has taught people to trust ＂their financial secrets＂ only to someone who exercises the profession of banker; the cultural and infrastructural level of development of the population, which gives approval and insures the continuousness of any discovery or development in various fields; the ability of this kind of banking to be successful, that is and remains the basis on which to establish a trustful cooperation relationship of any kind. Strong policies to e-marketing have targeted to increase the percentage of elements such as banking and credit granting. E-banking also consists of counseling online with a bank employee or financial advisor. This kind of service is not only effective for the client, who saves his time, but also more economical for the bank, which reduces its costs in human resources （an adviser to the window only deals with a client, while he can handle online more than two credit cases simultaneously, so we decrease the number of employees in general）. With its low-cost structure, direct consumer marketing and innovative services, the internet is going to present a real challenge to traditional forms of banking. E-banking is seen from the banks as an opportunity to create competitive advantage over its competitors. It offers a great deal of advantages both to the banks and to the customers. Clients are becoming more and more demanding and they are expecting even higher levels of service from their banks.

Failure Prediction Modeling of Lithium Ion Battery toward Distributed Parameter Estimation

Lithium ion battery has typical character of distributed parameter system, and can be described precisely by partial differential equations and multi-physics theory because lithium ion battery is a complicated electrochemical energy storage system. A novel failure prediction modeling method of lithium ion battery based on distributed parameter estimation and single particle model is proposed in this work. Lithium ion concentration in the anode of lithium ion battery is an unmeasurable distributed variable. Failure prediction system can estimate lithium ion concentration online, track the failure residual which is the difference between the estimated value and the ideal value. The precaution signal will be triggered when the failure residual is beyond the predefined failure precaution threshold, and the failure countdown prediction module will be activated. The remaining time of the severe failure threshold can be estimated by the failure countdown prediction module according to the changing rate of the failure residual. A simulation example verifies that lithium ion concentration in the anode of lithium ion battery can be estimated exactly and effectively by the failure prediction model. The precaution signal can be triggered reliably, and the remaining time of the severe failure can be forecasted accurately by the failure countdown prediction module.

Antibacterial Properties of Novel Bacterial Cellulose Nanofiber Containing Silver Nanoparticles

In this work,we describe a novel facile method to prepare long one-dimensional hybrid nanofibers by using hydrated bacterial cellulose nanofibers(BCF)as a template.Silver(Ag)nanoparticles with an average diameter of 1.5 nm were well dispersed on BCF via a simple in situ chemical-reduction between AgNO3and NaBH4at a relatively low temperature.A growth mechanism is proposed that Ag nanoparticles are uniformly anchored onto BCF by coordination with BC-containing hydroxyl groups.The bare BCF and as-prepared Ag/BCF hybrid nanofibers were characterized by several techniques including transmission electron microscopy,X-ray diffraction,thermogravimetric analyses,and ultraviolet-visible(UV-Vis)absorption spectra.The antibacterial properties of Ag/BCF hybrid nanofibers against Escherichia coli(E.coli,Gram-negative)and Staphylococcu saureus(S.saureus,Gram-positive)bacteria were evaluated by using modified Kirby Bauer method and colony forming count method.The results show that Ag nanoparticles are well dispersed on BCF surface via in situ chemical-reduction.The Ag/BCF hybrid nanofiber presents strong antibacterial property and thus offers its candidature for use as functional antimicrobial agents.

Diminutive Usage of Internet Banking： A Malaysian Case Study

As the opportunities offered, most individuals and businesses feel that E-banking energies are great. Thus, threats are unavoidable to banks if they fail to identify consequences and vulnerabilities accompanying e-banking practices. The usage rate of e-banking in a top international commercial bank in Malaysia is rather diminutive compare to its other bases in countries like Singapore, China and India. Interestingly, it is on decreasing mode year by year. This study aimed to offer a good set of information of the factors influencing low usage and possibilities to suggest ways to increase the usage among the bank customers. In this study, a comprehensive survey data gathering were used to collect and analyze the respondents and results indicate that ease of use is the most significant contributor to the low usage. 204 valid feedbacks were obtained from the SCM bank＇s customers, with the research indicating that e-banking still has a gap to fill between customers, the bank and the e-system in maximizing the desire of existing clients to go over the net.

Factors Determining the Development of Non-cash Payments in Rural Areas in Poland

This article aims at characterization and assessment of the financial behaviors of rural dwellers on non-cash payment markets and identification of factors determining the intensity of using individual methods of payment by the inhabitants of rural areas. The main source of data used for analysis and inference was information originating from the authors＇ own investigations conducted in 2013 on a group of 500 rural households and on a group of 150 trade and service points operating in non-urbanized areas. This work made use of statistical summary measures and Z2 independence test. According to the results of the conducted studies, forms of payment used by rural dwellers depend on many variables, of demographic, economic, and psychological character. Cash payments are more frequently used by persons possessing vocational or secondary education, elderly people, old-age pensioners, annuitants, or households with lower incomes. Also, persons who do not trust financial institutions or do not perceive benefits resulting from the use of non-cash instruments prefer cash. It is a group of households which require urgent educational activities in the area of non-cash payment instruments. A significant barrier to using non-cash payment instruments by rural dwellers was a limited access to non-cash channels. It is connected in the first place with a poorer development of financial infrastructure in rural areas （banks or cash points）, insufficient Internet access conditioning a possibility to use electronic banking points, and also a worse development of credit card acceptance network. As has been demonstrated by the results of conducted studies, the main reason for a lack of point of sale （POS） terminals in retail and service-providing points operating in rural areas, in the opinion of their owners, is the very high interchange fee （50% indications）, which under Polish conditions is one of the highest in the European Union （EU）.

Online Shopping A Block to E-commerce

The rapid growth oflnternet technology development has made Chinese consumers search for products over the Internet and purchase products or services from Web-retailers. E-commerce is growing to represent an increasing share of overall sale avenue, and online shopping is expected to continue growing for foreseeable future. As such, it is vital to identify the performance of shopping online and investigate the effects that shopping online has on e-commerce.The methods used in this study are consulting some authentic materials and looking into some cases in point. It is found that shopping online has so many disadvantages, such as credit crisis, the insecurity of e-bank, express problem, a series of relevant law problems, limited payment options and so on.Because of these limitations, shopping online has interfered with e-commerce. Overall, shopping online is more or less a bar to e-commerce.

The Relationship Among E-service Quality Dimensions, Overall Internet Banking Service Quality, and Customer Satisfaction in the USA

The purpose of this paper is to examine the relationships of e-service quality dimensions with overall internet banking service quality, and its effect on customer satisfaction in the USA banking industry. The proposed instrument dimensions are identified based on a questionnaire survey conducted in the US. Based on an extensive review of literature, this paper proposed eight dimensions for measuring overall internet banking service quality and its subsequent effect on customer satisfaction. Also, this research uses American internet banking users as survey targets for its empirical studies. The results show significant relationships among the e-service quality dimensions （efficiency, fulfillment, system availability, privacy, assurance/trust, site aesthetics, responsiveness, and contact）, overall internet banking service quality, and customer satisfaction. Little attention has been given in the literature to understanding of the e-service quality dimensions that influence overall internet banking service quality and the specific outcome of customer satisfaction. This paper empirically examines the relationships among the eight e-service quality dimensions, overall internet banking service quality, and customer satisfaction. The findings are important to enable bank managers to have a better understanding of the key e-service quality dimensions of internet banking that affect customer satisfaction. The primary limitations of this study are the scope and size of its sample.

Fabrication and catalytic behavior of hierarchically-structured nylon 6 nanofiber membrane decorated with silver nanoparticles

A hierarchically‐structured nylon 6 (PA6) nanofiber membrane decorated with silver nanoparticles (Ag NPs) was fabricated by electrospinning and impregnation methods. The as‐fabricated hierarchically‐structured Ag/PA6 nanofiber membrane (HS‐Ag/PA6 NM) exhibits a morphology in which Ag NPs are deposited on the surfaces of both thick fibers and thin fibers. The content and size of theAg NPs can be controlled by varying the concentration of the silver colloid solution. Compared with the non‐hierarchically‐structured Ag/PA6 nanofiber membrane, HS‐Ag/PA6 NM has a higher specificsurface area and exhibits a higher degradation rate for methylene blue of 81.8%–98.1% within2 h. HS‐Ag/PA6 NM can be easily recycled and exhibits good reusability. It retains a degradation rate for methylene blue of 83.5% after five consecutive cycles. The hierarchically‐structured nanofiber membrane is therefore a potential nanocatalyst.

Characterization and Antitumor Activity of Chitosan/Poly （Vinyl Alcohol） Blend Doped with Gold and Silver Nanoparticles in Treatment of Prostatic Cancer Model

The application of nanotechnology in various fields of science has earned a great concern over the past decades. The natural products and surface-modified polymers and metallic nanoparticles （NPs） have evolved as promising nanomaterials for targeted prostate cancer treatment. In the present study, Chitosan/poly （vinyl alcohol） （Cs/PVA） blend was synthesized by gamma radiation which could behave a nanoreactor for silver （Ag） and gold （Au） nanoparticle with promising anticancer applications. （Cs/PVA/Ag） and （Cs/PVA/Au） nanocomposites were confirmed by SEM （scanning electron microscope） and TEM （transmission electron microscope） analysis. The swelling properties have been investigated as a function of time and pH. The anti-cancer activity of the prepared nanocomposites was demonstrated in prostatic cancer cell line. It has a significant effect against prostatic cancer. However, metal nanoparticles have shown a good experimental success in the field of nanomedicine especially in cancer treatment, which has always been an area of high concern. The collaboration of biomedical research in the identification and characterization of biomedical strategies using the interesting metal nanocomposite will impact the future nanomedicine greatly.

Ag2-xO with highly exposed{111}crystal facets for efficient electrochemical oxygen evolution:Activity and mechanism

A series of Ag2–xO/FTO-i electrodes(where i denotes the current density during the electrodeposition, and i = 0.5, 1, 2, 3, 4, or 7) was fabricated in 0.1 M K2B4O7 electrolyte containing Ag+ ions by galvanostatic electrocrystallization. The electrode composition and morphology were characterized using X-ray powder diffraction, scanning electron microscopy, and X-ray photoelectron spectroscopy. The results reveal that the electrode films consist of Ag2O, but some of the Ag+ ions on the {111} crystal facets are oxidized into Ag2+ ions. Furthermore, the Ag2–xO/FTO-1 electrode shows a triangular slice shape of a parallel matrix with a larger exposed area of {111} crystal facets than other Ag2–xO/FTO-i(i = 0.5, 2, 3, 4, or 7) electrodes. Electrocatalytic experiments prove that the Ag2–xO/FTO-1 electrode produces the highest oxidative current density, has an overpotential of 417 m V at 10 m A cm–2, and has a Tafel slope of 47 m V dec–1 in 0.1 M K2B4O7. Electrochemical impedance spectra indicate that Ag2–xO/FTO-1 electrodes have the best ability for charge transfer. In addition, in the I-t test over 10 h, the current density decreased 4%. Fortunately, both O–O and Ag2+ species were detected after electrocatalysis and a possible mechanism for the oxygen evolution reaction is proposed in which the formation of Ag2+ and O–O species on {111} facets plays a critical role.

Research on the Development Model ofE - commerce Finance： A Case Study of the Cross-border Cooperation in Finance between banks and E-commerce companies

This purpose of this article is to provide an overview of the research situation and the development model of the E-commerce finance. This article takes the cross-border cooperation in finance between banks and E-commerce companies. This paper introduces three development models of E-commerce finance. Banks set up their own E-commerce platform. The banks take advantage of E-commerce platform. The E-commerce companies run financial business. The theoretical findings reported in this paper pave the way for embarking on the promising and relevant future research.

Effect of Hydrogen Reduction of Silver Ions on the Performance and Structure of New Solid Polymer Electrolyte PEI/Pebax2533/AgBF4 Composite Membranes

In this paper, the effect of hydrogen reduction of silver ions on the performance and structure of new solid polymer electrolyte polyetherimide （PEI）/Pebax2533 （Polynylonl2/tetramethylene oxide block copolymer, PA12-PTMO）/AgBF4 composite membranes is investigated. For PEI/Pebax2533/AgBF4 composite membranesprepared with dillerent AgBF4 concentration, the permeances of propylene and ethylene increase with the increase of AgBF4 concentration due to the carrier-facilitated transport, resulting in a high selectivity. But for propyl- ene/propane mixture, the mixed-gas selectivity is lower than its ideal selectivity. The hydrogen reduction strongly influences the membrane performance, which causes the decrease of propylene permeance and the increase of pro-pane permeance. With the increase of hydrogen reduction time, the membranes show a clearly color change from white to brown, yielding a great selectivity loss. The data of X-ray diffraction and FT-IR prove that silver ions are reduced to Ago after hydrogen reduction, and aggregated on the surface of PEI/Pebax2533/AgBF4 composite mem- branes.

Stablility and Size Control of Silver Nanoparticles by Electrochemical Method

Silver nanoparticles （Ag-NPs） were prepared using an electrochemical technique. The optical properties were measured by absorption spectroscopy. The dimension of the prepared nanoparticles as estimated by the Atomic Force Microscope （AFM）, was 91.57 nm. This reaserch effort proposes a mechanism for reducing the size of silver nanoparticles by adding the hydrogen peroxide （H202）, and protecting the silver nanoparticle to inhibit agglomeration by adding PVP polymer.

Research on the Reasonable Strategy of the Development of Commercial Banks under the Perspective of P2P Internet Financial Risks

In this paper, we conduct research on the reasonable strategy of the development of commercial banks under the perspective of P2P Internet financial risks. P2P financial model mainly for China＇ s small and medium enterprises and individuals to provides financing services. Generally need to use e-commerce professional network platform lending to help both sides to establish lending relationship and complete the related formalities. Traditional commercial banks need reform to keep up with the novel financial tools related to the Internet financing which will be discussed below.