金融供给侧结构性改革背景下商业银行同质化问题研究

基于国内外学者在商业银行市场定位和差异化发展的研究成果,结合我国商业银行分工历史演变,揭示中国银行业同质化经营的驱动因素,借助相似距离模型从我国上市银行收入结构和贷款行业分布双重视角测度国有大型银行、股份制商业银行和城市商业银行间的经营同质化程度,得出当前我国不同类型的商业银行同质化过度,并由此引发金融脱实向虚、做大放小等问题。因此,在金融供给侧结构性改革背景下,商业银行在强调竞争发展的同时,还要坚守机构设置初心、坚持发展定位、坚持适当的分工与差异化经营。

Cloud model-clustering analysis based evaluation for ventilation system of underground metal mine in alpine region

Ventilation system is significant in underground metal mine of alpine region.Reasonable evaluation of ventilation effectiveness will lead to a practical improvement for the maintenance and management of ventilation system.However,it is difficult to make an effective evaluation of ventilation system due to the lack of classification criteria with respect to underground metal mine in alpine region.This paper proposes a novel evaluation method called the cloud model-clustering analysis(CMCA).Cloud model(CM)is utilized to process collected data of ventilation system,and they are converted into cloud descriptors by CM.Cloud similarity(CS)based Euclidean distance(ED)is proposed to make clustering analysis of assessed samples.Then the classification of assessed samples will be identified by clustering analysis results.A case study is developed based on CMCA.Evaluation results show that ventilation effectiveness can be well classified.Moreover,CM is used alone to make comparison of evaluation results obtained by CMCA.Then the availability and validity of CMCA is verified.Meanwhile,difference of CS based ED and classical ED is analyzed.Two new clustering analysis methods are introduced to make comparison with CMCA.Then the ability of proposed CMCA to meet evaluation requirements of ventilation system is verified.