The Basel II committee sets their customers. This new up directives encouraging banks to use internal scores in order to assess the risk of form of information competes with the existing ones. Small and medium-sized e...The Basel II committee sets their customers. This new up directives encouraging banks to use internal scores in order to assess the risk of form of information competes with the existing ones. Small and medium-sized enterprises （SMEs） are most concerned by these new stakes, due to the lack of transparency. The aim of this paper is to understand the determinants of the choice between substitution and complementarity between the two types of information： ＂soft＂ and ＂hard＂, to test a potential effect of this choice on the banking performance and to describe which variables are involved in the decision-making process. The originality of this work is to try to quantify the information costs and to use it as a variable which is affecting the adopted choice.展开更多
Sirmaur district in the state of Himachal Pradesh in India is a hard-to-reach area situated in the western Himalayas having an extreme landscape with snow-laden mountains and extensive river systems that makes the del...Sirmaur district in the state of Himachal Pradesh in India is a hard-to-reach area situated in the western Himalayas having an extreme landscape with snow-laden mountains and extensive river systems that makes the delivery of immunization services extremely challenging. Vaccinators needed a long walk through the hilly terrain to reach outreach sites. Community mobilizers were unable to go house to house to inform the caregivers to bring children to the site for vaccination. Caregivers were unaware when the vaccinators arrive at the site. As a result, many children missed vaccination or were not vaccinated timely. Age-appropriate vaccination coverage (according to national immunization schedule) in the Sirmaur district was the lowest in the state. Thinking out-of-box to address the communication barriers with the caregivers, the traditional drum beating was used, for the first time in India, in two blocks of the Sirmaur district (Rajpura and Shillai). The initiative was planned and implemented by the district health system with the support of the local community leaders. An exit interview was conducted to know the reach of the drum beating to caregivers, and a baseline and end line household survey was conducted to know the outcome of the initiative on age-appropriate vaccination coverage. Analysis of exit interviews data indicated a very high reach of a drum beating to the caregivers;more than 97% of caregivers in Rajpura and 100% in Shillai heard drum beating, and almost 95% of caregivers in Rajpura and 98% in Shillai knew the purpose of drum beating. Analysis of immunization data from baseline and end line surveys showed improvement in age-appropriate vaccination coverage for all vaccines in Rajpura (by 2.2% for BCG, 15.3% for Pentavalent 1, 14.9% for Pentavalent 2, 14.1% for Pentavalent 3, and 6.5% for Measles/MR). In Shillai, age-appropriate vaccination coverage improved for Pentavalent 1 (by 3.4%), Pentavalent 2 (by 5%) and Measles/MR (by 1.7%). In addition, dropout rates were reduced in both the blocks, particularly in Rajpura Pentavalent 1 to Measles dropout rate was reduced by 13.5%. Both health workers and community leaders had positive perceptions of the drum beating initiative. However, another important lesson learned from the initiative was that both the access and demand-side barriers need to be addressed for the desired improvement of age-appropriate immunization coverage. In Shillai, there was lower coverage improvement and a reduction in dropout rates attributed to vacant positions of vaccinators that caused an issue with access to immunization services to people.展开更多
在长江河口两翼广泛分布第一硬土层(FHSL),研究其形成机制及工程地质特性对工程建设具有很好的指导意义。根据调查资料(钻孔935个,累计进尺42128 m)和试验资料,首次精确确认了长江河口北翼第一硬土层分布界线,研究了第一硬土层的形成年...在长江河口两翼广泛分布第一硬土层(FHSL),研究其形成机制及工程地质特性对工程建设具有很好的指导意义。根据调查资料(钻孔935个,累计进尺42128 m)和试验资料,首次精确确认了长江河口北翼第一硬土层分布界线,研究了第一硬土层的形成年代、粒度特征、地球化学特征、工程地质特性等。研究表明:第一硬土层形成年龄为20~11 ka B.P.(多个光释光和14C测年资料);硬土层含水率随深度的增加有增大的趋势,表明气候自下向上逐渐变凉和变干;第一硬土层的颗粒级配、粒度分布频率曲线、C-M沉积图等特征显示,第一硬土层主要由粉砂、极细砂和粘土粒级组成,样品的粒度频率曲线主要呈单峰分布,反映出物质沉积前所受搬运营力性质单一,土体颗粒沉积以均匀悬浮占绝对优势,沉积环境是一种相对稳定的低能环境。第一硬土层的发育受气候控制,大致可以分为3个阶段:第1阶段(20~15 ka B.P.)为沉积与成土交替作用时期,且以沉积作用为主,硬土层剖面厚度主要受该阶段控制,至末次盛冰期结束;第2阶段(15~11 ka B.P.)为暴露成土期,这时洪水不能形成越岸沉积,加积作用基本停止,硬土层厚度不再明显增加,已形成的第一硬土区域受到频繁变迁的分合河网的侵蚀切割,形成多条不规则古河道和台地,硬土层逐渐脱水成陆,经历了风化成壤的过程;第3阶段(11 ka B.P.至今)为淹埋期,随着全新世的到来,气候变暖,海平面不断上升,硬土层被其上覆的海相沉积层掩埋,成岩作用开始直到现今。土体易溶盐含量较高,为典型氯盐渍土类型,自下而上具有从低变高的趋势,为海相层覆盖硬土层以后成岩过程造成的。展开更多
There are over four million miles of two-lane roadways across the United States, of which a substantial portion is low-volume roads (LVR). Traditionally, most traffic safety efforts and countermeasures focus on high-v...There are over four million miles of two-lane roadways across the United States, of which a substantial portion is low-volume roads (LVR). Traditionally, most traffic safety efforts and countermeasures focus on high-volume high-crash urban locations. This is because LVRs cover an extensive area, and the rarity of crashes makes it challenging to use crash data to monitor the safety performance of LVRs regularly. In addition, obtaining up-to-date roadway information, such as pavement or shoulder conditions of an extensive LVR network, can be exceptionally difficult. In recent times, crowdsourced hard-acceleration and braking event data have become commercially available, which can provide precise geolocation information and can be readily acquired from different vendors. The present paper examines the potential use of this data to identify opportunities to monitor the safety of LVRs. This research examined approximately 12 million hard-acceleration and hard-braking events over a 3-months period and 26,743 crashes, including 9373 fatal injuries over the past 5-year period. The study found a moderate correlation between hard acceleration/hard-braking events with historical crash events. This study conducted a hot spot analysis using hard-acceleration/hard-braking and crash datasets. Hotspot analysis detected spatial clusters of high-risk crash locations and detected 848 common high-risk sites. Finally, this paper proposes a combined ranking scheme that simultaneously considers historical crash events and hard-acceleration/hard-braking events. The research concludes by suggesting that agencies can potentially use the hard-acceleration and hard-braking event dataset along with the historical crash dataset to effectively supervise the safety performance of the vast network of LVRs more frequently.展开更多
文摘The Basel II committee sets their customers. This new up directives encouraging banks to use internal scores in order to assess the risk of form of information competes with the existing ones. Small and medium-sized enterprises （SMEs） are most concerned by these new stakes, due to the lack of transparency. The aim of this paper is to understand the determinants of the choice between substitution and complementarity between the two types of information： ＂soft＂ and ＂hard＂, to test a potential effect of this choice on the banking performance and to describe which variables are involved in the decision-making process. The originality of this work is to try to quantify the information costs and to use it as a variable which is affecting the adopted choice.
文摘Sirmaur district in the state of Himachal Pradesh in India is a hard-to-reach area situated in the western Himalayas having an extreme landscape with snow-laden mountains and extensive river systems that makes the delivery of immunization services extremely challenging. Vaccinators needed a long walk through the hilly terrain to reach outreach sites. Community mobilizers were unable to go house to house to inform the caregivers to bring children to the site for vaccination. Caregivers were unaware when the vaccinators arrive at the site. As a result, many children missed vaccination or were not vaccinated timely. Age-appropriate vaccination coverage (according to national immunization schedule) in the Sirmaur district was the lowest in the state. Thinking out-of-box to address the communication barriers with the caregivers, the traditional drum beating was used, for the first time in India, in two blocks of the Sirmaur district (Rajpura and Shillai). The initiative was planned and implemented by the district health system with the support of the local community leaders. An exit interview was conducted to know the reach of the drum beating to caregivers, and a baseline and end line household survey was conducted to know the outcome of the initiative on age-appropriate vaccination coverage. Analysis of exit interviews data indicated a very high reach of a drum beating to the caregivers;more than 97% of caregivers in Rajpura and 100% in Shillai heard drum beating, and almost 95% of caregivers in Rajpura and 98% in Shillai knew the purpose of drum beating. Analysis of immunization data from baseline and end line surveys showed improvement in age-appropriate vaccination coverage for all vaccines in Rajpura (by 2.2% for BCG, 15.3% for Pentavalent 1, 14.9% for Pentavalent 2, 14.1% for Pentavalent 3, and 6.5% for Measles/MR). In Shillai, age-appropriate vaccination coverage improved for Pentavalent 1 (by 3.4%), Pentavalent 2 (by 5%) and Measles/MR (by 1.7%). In addition, dropout rates were reduced in both the blocks, particularly in Rajpura Pentavalent 1 to Measles dropout rate was reduced by 13.5%. Both health workers and community leaders had positive perceptions of the drum beating initiative. However, another important lesson learned from the initiative was that both the access and demand-side barriers need to be addressed for the desired improvement of age-appropriate immunization coverage. In Shillai, there was lower coverage improvement and a reduction in dropout rates attributed to vacant positions of vaccinators that caused an issue with access to immunization services to people.
文摘在长江河口两翼广泛分布第一硬土层(FHSL),研究其形成机制及工程地质特性对工程建设具有很好的指导意义。根据调查资料(钻孔935个,累计进尺42128 m)和试验资料,首次精确确认了长江河口北翼第一硬土层分布界线,研究了第一硬土层的形成年代、粒度特征、地球化学特征、工程地质特性等。研究表明:第一硬土层形成年龄为20~11 ka B.P.(多个光释光和14C测年资料);硬土层含水率随深度的增加有增大的趋势,表明气候自下向上逐渐变凉和变干;第一硬土层的颗粒级配、粒度分布频率曲线、C-M沉积图等特征显示,第一硬土层主要由粉砂、极细砂和粘土粒级组成,样品的粒度频率曲线主要呈单峰分布,反映出物质沉积前所受搬运营力性质单一,土体颗粒沉积以均匀悬浮占绝对优势,沉积环境是一种相对稳定的低能环境。第一硬土层的发育受气候控制,大致可以分为3个阶段:第1阶段(20~15 ka B.P.)为沉积与成土交替作用时期,且以沉积作用为主,硬土层剖面厚度主要受该阶段控制,至末次盛冰期结束;第2阶段(15~11 ka B.P.)为暴露成土期,这时洪水不能形成越岸沉积,加积作用基本停止,硬土层厚度不再明显增加,已形成的第一硬土区域受到频繁变迁的分合河网的侵蚀切割,形成多条不规则古河道和台地,硬土层逐渐脱水成陆,经历了风化成壤的过程;第3阶段(11 ka B.P.至今)为淹埋期,随着全新世的到来,气候变暖,海平面不断上升,硬土层被其上覆的海相沉积层掩埋,成岩作用开始直到现今。土体易溶盐含量较高,为典型氯盐渍土类型,自下而上具有从低变高的趋势,为海相层覆盖硬土层以后成岩过程造成的。
文摘There are over four million miles of two-lane roadways across the United States, of which a substantial portion is low-volume roads (LVR). Traditionally, most traffic safety efforts and countermeasures focus on high-volume high-crash urban locations. This is because LVRs cover an extensive area, and the rarity of crashes makes it challenging to use crash data to monitor the safety performance of LVRs regularly. In addition, obtaining up-to-date roadway information, such as pavement or shoulder conditions of an extensive LVR network, can be exceptionally difficult. In recent times, crowdsourced hard-acceleration and braking event data have become commercially available, which can provide precise geolocation information and can be readily acquired from different vendors. The present paper examines the potential use of this data to identify opportunities to monitor the safety of LVRs. This research examined approximately 12 million hard-acceleration and hard-braking events over a 3-months period and 26,743 crashes, including 9373 fatal injuries over the past 5-year period. The study found a moderate correlation between hard acceleration/hard-braking events with historical crash events. This study conducted a hot spot analysis using hard-acceleration/hard-braking and crash datasets. Hotspot analysis detected spatial clusters of high-risk crash locations and detected 848 common high-risk sites. Finally, this paper proposes a combined ranking scheme that simultaneously considers historical crash events and hard-acceleration/hard-braking events. The research concludes by suggesting that agencies can potentially use the hard-acceleration and hard-braking event dataset along with the historical crash dataset to effectively supervise the safety performance of the vast network of LVRs more frequently.
