小额贷款公司的风险评估体系创新研究——针对城市部分新兴行业客户群体

面对行业革新所带来的新的城市客户群体,在分析小额贷款公司信用风险构成和结合实际调信实践,构建小额贷款公司在新环境下针对新行业的信用风险的评价指标,是当前很多小额贷款公司迫待解决的问题。本文就是试图分析现有城市客户业务,适当调整现行的小贷风险评估体系,以适应城市中新的小贷客户群体。

基于大数据背景下煤矿安全信用监管模式研究

信用监管是煤炭企业预防风险以及加强安全生产事中事后监管的重要举措。本文通过引入大数据,描述大数据煤矿安全信用监管模式的由来和当前大数据煤矿安全信用监管的现状,分析将大数据与煤矿安全生产监管相结合的意义,研究大数据煤矿安全信用监管体系的框架,包括征信体系、评信体系、用信体系,得出联合信用监管的框架,并提出实施大数据煤矿安全信用监管的建议。

基于大数据背景下露天煤矿安全信用监管模式研究

本文对煤矿安全信用管理的现状进行分析,并结合现有的大数据技术,提出了基于大数据应用的露天煤矿安全信用管理模型,分别从大数据监管的内容界定、监管对象等方面深入分析了大数据监管的范围与价值。依托大数据、信息共享、信用信息公示为手段、联合信用奖惩为核心、多元主体参与的监管体制,将大数据监管在露天煤矿安全信用管理中予以应用,更好地实现对露天煤矿企业安全信用监管。

优化中小企业融资环境的新思考

为应对全球性金融危机,近年来国家采取放松银根的办法刺激经济发展,但在银行贷款大幅度增加的形势下,中小企业发展的融资环境并没有得到明显扭转甚至有所恶化。求解这一问题,既要对中小企业融资难的状况和原因进行分析,更要结合当前的实际研究破解的措施。文章结合中小企业自身状况、银行金融机构作用发挥、多种融资平台建设、政府融资政策支持等方面对这一问题加以思考和论述,以期对实际工作有指导和借鉴作用。

A VV&A evaluation system based on hierarchical evaluation

Evaluation is the major activity of performing Verification, Validation and Accreditation (VV&A) of a simulation system. Unfortunately, there is a lack of reasonable and operable evaluation methods. Moreover, there are other problems to address in VV&A evaluation, such as index definition, conclusion analysis, etc. In this paper, a VV&A evaluation system is introduced to try to resolve these problems. The system is based on a method called hierarchical evaluation, and it uses a good combination of evaluation processes and indexes. First, a thorough analysis of the VV&A evaluation’s essentials and principles are given, then the uncertainty of the evaluation results caused by various analysis of the evaluators is pointed out, then a hierarchical evaluation mechanism based on evaluator weight and evaluation hierarchy is brought forward, and finally a comprehensive VV&A evaluation system with evaluation flow processing, index management and hierarchical evaluation fulfillment is established. The system gives good consideration to ease of operation, reasonableness of evaluation conclusion, and the ability to comprehensively resolve VV&A problems. Since VV&A is attracting more and more recognition, it is meaningful to provide a good system for implementing credible simulation systems. It is hoped that this VV&A evaluation will provide a good way.

Comprehensive assessment method for environmental impact of railway based on geographic information system

By integrating the merits of the map overlay method and the geographic information system (GIS), a GIS based map overlay method was developed to analyze comprehensively the environmental vulnerability around railway and its impact on the environment, which is adapted for the comprehensive assessment of railway environmental impact and the optimization of railway alignments. The assessment process of the GIS based map overlay method was presented, which includes deciding the system structure and weights of assessment factors, making environmental vulnerability grade maps, and evaluating the alternative alignments comprehensively to obtain the best one. With the GIS functions of spatial analysis, such as overlay analysis and buffer analysis, and functions of handling attribute data, the GIS based map overlay method overcomes the shortcomings of the existing map overlay method and the conclusion is more reasonable. In the end, a detailed case study was illustrated to verify the efficiency of the method.

Assessing Suitability of Rural Settlements Using an Improved Technique for Order Preference by Similarity to Ideal Solution

Land suitability assessment is a prerequisite phase in land use planning; it guides toward optimal land use by providing information on the opportunities and constraints involved in the use of a given land area. A geographic information system-based procedure, known as rural settlement suitability evaluation(RSSE) using an improved technique for order preference by similarity to ideal solution(TOPSIS), was adopted to determine the most suitable area for constructing rural settlements in different geographical locations. Given the distribution and independence of rural settlements, a distinctive evaluation criteria system that differed from that of urban suitability was established by considering the level of rural infrastructure services as well as living and working conditions. The unpredictable mutual interference among evaluation factors has been found in practical works. An improved TOPSIS using Mahalanobis distance was applied to solve the unpredictable correlation among the criteria in a suitability evaluation. Uncertainty and sensitivity analyses obtained via Monte Carlo simulation were performed to examine the robustness of the model. Daye, a resource-based city with rapid economic development, unsatisfied rural development, and geological environmental problems caused by mining, was used as a case study. Results indicate the following findings: 1) The RSSE model using the improved TOPSIS can assess the suitability of rural settlements, and the suitability maps generated using the improved TOPSIS have higher information density than those generated using traditional TOPSIS. The robustness of the model is improved, and the uncertainty is reduced in the suitability results. 2) Highly suitable land is mainly distributed in the northeast of the study area, and the majority of which is cultivated land, thereby leading to tremendous pressure on the loss of cultivated land. 3) Lastly, 12.54% of the constructive expansion permitted zone and 8.36% of the constructive expansion conditionally permitted zone are situated in an unsuitable area, which indicates that the general planning of Daye lacks the necessary verification of suitability evaluation. Guidance is provided on the development strategy of rural settlement patches to support decision making in general land use planning.

Identification of Telecom Operators' Core Distribution Channels Based on Strategic Value Evaluation System

The strategic value evaluation ofphysical channels is the main purpose of thispaper.To interpret this value,we refine finance,location and competition dimensions.Atotal of 166 social high-star channels are selected as empirical samples.Practice showsthat all second-layer indicators can be quantified by information system or artificial collection.The weight of three first-layer indicatorscan be defined by correlation analysis.The valuecomprehensive ranking of the channels is clearbased on the first-layer and second-layer indicators.In the sample group in this study,theweight of location value is higher.The resultson channels' strategic value research may provide further insights on business value,servicevalue and other related fields.

Integrating unascertained measurement and information entropy theory to assess blastability of rock mass

Due to the complex features of rock mass blastability assessment systems, an evaluation model of rock mass blastability was established on the basis of the unascertained measurement （UM） theory and the actual characteristics of the project. Considering a comprehensive range of intact rock properties and discontinuous structures of rock mass, twelve main factors influencing the evaluation blastability of rock mass were taken into account in the UM model, and the blastability evaluation index system of rock mass was constructed. The unascertained evaluation indices corresponding to the selected factors for the actual situation were solved both qualitatively and quantitatively. Then, the UM function of each evaluation index was obtained based on the initial data for the analysis of the blastability of six rock mass at a highway improvement cutting site in North Wales. The index weights of the factors were calculated by entropy theory, and credible degree identification （CDI） criteria were established according to the UM theory. The results of rock mass blastability evaluation were obtained by the CDI criteria. The results show that the UM model assessment results agree well with the actual records, and are consistent with those of the fuzzy sets evaluation method. Meanwhile, the unascertained superiority degree of rock mass blastability of samples S1-$6 which can be calculated by scoring criteria are 3.428 5, 3.453 3, 4.058 7, 3.675 9, 3.516 7 and 3.289 7, respectively. Furthermore, the proposed method can take into account large amount of uncertain information in blastability evaluation, which can provide an effective, credible and feasible way for estimating the blastability of rock mass. Engineering practices show that it can complete the blastability assessment systematically and scientifically without any assumption by the proposed model, which can be applied to practical engineering.

Application of the Quantitative Descriptive Analysis in Cosmetics Sensory Evaluation

The sensory evaluation method was introduced so late in China, and a complete system of this method has not built yet in cosmetics industry. In this article, the application of the Quantitative Descriptive Analysis method in the evaluation of the sensory assessment items are studied. With the SPSS reliability analysis, it was found that the Quantitative Descriptive Analysis method is not suitable for some sensory assessment items.

Evaluation of Signaling Loads in NO Stack 5G Mobile Network

Present mobile communication system suffers from the exponentially increased mobile traffic and research on the fifth generation(5G) mobile network architectures is ongoing to solve this problem. We investigate the feasibility of the proposals used for the network architecture evolution from 4G to 5G and first propose a compatible network architecture, which decouples the management plane, the control plane and the user plane based on NO Stack framework proposed in our previous study. We mainly design detail procedures including UE attachment, service request and dedicated bearer activation/deactivation for our proposal network architecture. Finally, we establish a clear analytical mode of the application and system states to evaluate the signaling loads of new architecture. Simulation results show that our proposal network architecture with elaborated signaling procedures has much impact on the total signaling loads of system and could obviously decrease the signaling overhead compared with LTE.