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Spatiotemporal characteristics of seed rain and soil seed bank of artificial Caragana korshinskii Kom. forest in the Tengger Desert, China
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作者 SHEN Jianxiang WANG Xin +9 位作者 WANG Lei WANG Jiahui QU Wenjie ZHANG Xue CHANG Xuanxuan YANG Xinguo CHEN Lin QIN Weichun ZHANG Bo NIU Jinshuai 《Journal of Arid Land》 SCIE CSCD 2024年第4期550-566,共17页
Vegetation restoration and reconstruction are effective approaches to desertification control and achieving social and economic sustainability in desert areas.However,the self-succession ability of native plants durin... Vegetation restoration and reconstruction are effective approaches to desertification control and achieving social and economic sustainability in desert areas.However,the self-succession ability of native plants during the later periods of vegetation restoration remains unclear.Therefore,this study was conducted to bridge the knowledge gap by investigating the regeneration dynamics of artificial forest under natural conditions.The information of seed rain and soil seed bank was collected and quantified from an artificial Caragana korshinskii Kom.forest in the Tengger Desert,China.The germination tests were conducted in a laboratory setting.The analysis of species quantity and diversity in seed rain and soil seed bank was conducted to assess the impact of different durations of sand fixation(60,40,and 20 a)on the progress of vegetation restoration and ecological conditions in artificial C.korshinskii forest.The results showed that the top three dominant plant species in seed rain were Echinops gmelinii Turcz.,Eragrostis minor Host.,and Agropyron mongolicum Keng.,and the top three dominant plant species in soil seed bank were E.minor,Chloris virgata Sw.,and E.gmelinii.As restoration period increased,the density of seed rain and soil seed bank increased first and then decreased.While for species richness,as restoration period increased,it gradually increased in seed rain but decreased in soil seed bank.There was a positive correlation between seed rain density and soil seed bank density among all the three restoration periods.The species similarity between seed rain or soil seed bank and aboveground vegetation decreased with the extension of restoration period.The shape of the seeds,specifically those with external appendages such as spines and crown hair,clearly had an effect on their dispersal,then resulting in lower seed density in soil seed bank.In addition,precipitation was a crucial factor in promoting rapid germination,also resulting in lower seed density in soil seed bank.Our findings provide valuable insights for guiding future interventions during the later periods of artificial C.korshinskii forest,such as sowing and restoration efforts using unmanned aerial vehicles. 展开更多
关键词 ecological restoration soil seed bank seed rain artificial forest vegetation desertification Caragana korshinskii Tengger Desert
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Research on Early Warning of Banking Crises from the Perspective of Credit Structures
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作者 Zhou Yuqin Luo Zixuan Wu Shan 《Contemporary Social Sciences》 2024年第3期45-63,共19页
The relationship between credit expansion and banking crises is complex and cannot be fully explained by total credit alone.A systematic analysis of the relationship between the amount and structure of total credit an... The relationship between credit expansion and banking crises is complex and cannot be fully explained by total credit alone.A systematic analysis of the relationship between the amount and structure of total credit and banking crises is important for an objective prediction of the influence of potential financial risks.This paper,drawing on data from 15 selected countries,delves into the power of credit indicators in the early warning of banking crises from the perspectives of industrial structure,sector structure,and term structure of credit.Various machine learning methods were used,including Logistic Regression,Random Forest,Decision Tree,Support Vector Machine(SVM),Bagging,and Boosting models.The empirical findings indicate that credit expansion plays a crucial role in triggering banking crises.However,total credit is better suited for the early warning of short-term banking crises,whereas credit structure is more useful for the early warning of long-term banking crises.Moreover,in an early warning system,identifying key early warning indicators is more meaningful than merely increasing the number of indicators.Machine learning can somewhat enhance the early warning power,but it may not always be robust.Therefore,more attention should be paid to potential systemic banking crises resulting from an imbalance in credit structure while regulating the total credit threshold. 展开更多
关键词 banking crises credit expansion transnational empirical evidence structural perspective
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ISO Certification and Technical Efficiency in the Banking Sector:An Evidence from WAEMU’s Countries Using the DEA Method
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作者 Gnoleba Martin Zahore 《Economics World》 2024年第2期55-68,共14页
In the view of the international organization of standardization,the introduction of ISO standards is typical of quality management systems oriented towards strengthening the efficiency of enterprises.Business banks a... In the view of the international organization of standardization,the introduction of ISO standards is typical of quality management systems oriented towards strengthening the efficiency of enterprises.Business banks are not excluded from this requirement.The current study aims to evaluate the effect of ISO certification on the technical performance of WAEMU banks.Using BCEAO data(2020),the DEA model and Tobit estimates show that ISO certification has no effect on the efficiency scores of the banks in the sample.It is therefore appropriate for these banks to work on improving their business climate. 展开更多
关键词 business banks DEA technical efficiency ISO WAEMU TOBIT
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Size matters:analyzing bank profitability and efficiency under the Basel III framework
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作者 Ivan Gržeta Saša Žiković Ivana Tomas Žiković 《Financial Innovation》 2023年第1期1169-1196,共28页
The latest regulatory framework,which has been introduced globally in the form of Basel III,and its implementation in the legislation of the member states of the Euro-pean Union has generated much interest in the impa... The latest regulatory framework,which has been introduced globally in the form of Basel III,and its implementation in the legislation of the member states of the Euro-pean Union has generated much interest in the impact of regulation on the efficiency and profitability of banks.This study aims to examine the impact of the introduction of two major regulatory changes(Basel II and Basel III)on bank performance,in terms of bank size and bank-specific and macroeconomic variables.A two-stage empirical anal-ysis was conducted on a sample of 433 European commercial banks over the 2006–2015 period.In the first stage,relative efficiency was calculated using non-parametric data envelopment analysis.In the second stage,the generalized method of moments was used to examine the impact of bank-specific and macroeconomic variables as well as regulation on bank performance,that is,profitability and efficiency.Consider-ing bank size,the results show a diverse impact of regulation on bank performance.Regarding large-and medium-sized banks,regulation positively affects both efficiency and profitability,whereas,for small banks,it negatively affects performance.The results suggest that larger banks have skillfully adapted to the new regulatory environment.In contrast,small banks have problems with profitability and efficiency because the new regulatory framework has imposed additional administrative and regulatory burdens.This could result in future failure or mergers with larger banks,resulting in a higher concentration in the banking sector and increased systemic risk.Our results strongly suggest that regulation should not be implemented equally for all banks;that is,on a one size fits all terms.A distinction between small and large banks when introducing new regulatory frameworks should be made if a reasonable level of competition is to be preserved. 展开更多
关键词 bank profitability bank efficiency bank size Basel III regulatory framework
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ISMB:多核系统中利用Bank分区实现共享库隔离
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作者 杨虎斌 李嘉翔 +4 位作者 陈玉聪 刘刚 张红涛 周睿 周庆国 《计算机技术与发展》 2023年第2期17-23,共7页
动态随机存取存储器DRAM一直以来以其低功耗、高性价比和良好的扩展性等优点作为计算机内存的最佳选择。为了提高内存的访问速度,DRAM中的每个Bank都有一个行缓冲区,它可以有效地提升局部性良好的应用程序的性能。然而在多核系统中,DRA... 动态随机存取存储器DRAM一直以来以其低功耗、高性价比和良好的扩展性等优点作为计算机内存的最佳选择。为了提高内存的访问速度,DRAM中的每个Bank都有一个行缓冲区,它可以有效地提升局部性良好的应用程序的性能。然而在多核系统中,DRAM被系统中的所有Core共享,因此对内存的并发访问会导致Bank行缓冲区冲突问题的产生,从而导致内存访问延迟的增大。共享库作为一种共享资源,使Bank行缓冲区冲突问题更加严重。虽然目前有一些基于DRAM Bank分区技术的解决方案可以有效缓解由进程访问私有内存导致的Bank行缓冲区冲突问题,但是这些解决方案无法解决访问共享库引起的Bank行缓冲区冲突问题。该文提出了一种在多核系统中利用Bank分区实现共享库隔离的方案(ISMB)。ISMB使运行在同一个Core上的进程只能访问属于该Core的共享库的副本,因此ISMB消除了共享库导致的Bank行缓冲区冲突问题。对比实验结果表明,ISMB能够有效地提升系统隔离性能,在使用ISMB的情况下,SPEC CPU2006基准测试程序的减速率最大可降低26.3%。 展开更多
关键词 共享库 bank分区 隔离 动态随机存取存储器 bank行缓冲区冲突
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Combination Patterns and Depositional Characteristics of Ordovician Carbonate Banks in the Western Tarim Basin,China 被引量:7
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作者 HU Xiaolan FAN Tailiang +7 位作者 GAO Zhiqian YU Bingsong CHEN Xiaozhi WANG Hongyu WANG Jianping LI Rangbin DING Meng LI Yifan 《Acta Geologica Sinica(English Edition)》 SCIE CAS CSCD 2012年第4期894-911,共18页
The combination patterns and depositional characteristics of the carbonate banks are investigated based on outcrop sections, thin sections, and carbon isotopes of Ordovician in the western Tarim Basin, China. Four car... The combination patterns and depositional characteristics of the carbonate banks are investigated based on outcrop sections, thin sections, and carbon isotopes of Ordovician in the western Tarim Basin, China. Four carbonate bank combination patterns are deposited in the Ordovician, western Tarim Basin, including: Reef-Bank Complex (RBC), Algae-Reef-Bank Interbed (ARBI), Thick-Layer Cake Aggradation Bank (TLCAB), and Thin-Layer Cake Retrogradation Bank (TLCRB). All combination patterns show clear periods vertically. The RBC is mainly composed of reefs and bioclastic banks, and the dimension of the RBC depends on the scale of the reefs. Bioclastic banks deposits surround the reefs. The range of the ARBI is determined by the scale of algae-reefs, algae peloid dolomite microfacies and algal dolomite microfacies deposit alternating vertically. TLCAB and TLCRB are deposited as layer-cakes stacking in cycles and extending widely with cross bedding developed. The grains of TLCAB and TLCRB are diverse and multi-source. With the impacting of relative sea level change, biological development and geomorphology, the ARBI, TLCAB or TLCRB, RBC are successively developed from the Lower Ordovician Penglaiba Formation to the Middle Ordovician Yijianfang Formation. The depositional environment analysis of Ordovician indicates that the RBC and ARBI can form effective oil and gas reservoirs, and the TLCAB and TLCRB have the potential to form the huge scale oil and gas reservoirs and to be the crucial targets of exploration for the Ordovician carbonate banks in the future. 展开更多
关键词 Carbonate bank reef-bank complex algae-reef-bank interbed thick-layer cake aggradation bank thin-layer cake retrogradation bank Ordovician western Tarim Basin
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Private banking development in China under two organizational structures:Economic analysis from an organizational innovation perspective
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作者 He Liu Yun Bai +2 位作者 Zhiguang Huang Han Qiao Shouyang Wang 《Financial Innovation》 2023年第1期2779-2801,共23页
This paper investigates optimal decisions for private banking development in China under two innovative organizational structures—the big retail mode(BRM)and the independent development mode(IDM).Under the BRM,the re... This paper investigates optimal decisions for private banking development in China under two innovative organizational structures—the big retail mode(BRM)and the independent development mode(IDM).Under the BRM,the retail and private banking divisions form a cooperative relationship wherein the former transfers highnet-worth customers to the latter.In addition,retail banking receives a share of private banking revenues.We investigate the optimal revenue-sharing ratio between the two divisions and the optimal effort by private banking to serve transferred customers within the cooperative relationship.The analytical results show that as the private banking division becomes more developed,the optimal revenue-sharing ratio decreases,and the private banking division’s optimal effort to serve transferred customers decreases because it puts more effort into acquiring new customers.Under the IDM,the two divisions form a competitive relationship since they compete to acquire customers independently.We investigate customer acquisition efforts in this interdivisional competition.Optimal customer acquisition efforts by both divisions increase in potential assets and rates of return.This paper contributes to the literature by(1)analyzing financial innovation by private banks from an organizational perspective;(2)providing an economic analysis for private banking development in China. 展开更多
关键词 COMPETITION COOPERATION Innovative financial services Optimal banking decisions Organizational innovation Private banking
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基于Auto bank的某水库大坝渗流安全评价
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作者 朱强 郭丽朋 车福通 《安徽水利水电职业技术学院学报》 2023年第1期1-4,共4页
以富水水库为例,依托达西定律和渗流理论基础,并结合Auto bank有限元软件分析了水库在正常高水位、设计洪水位、校核洪水位下坝体及坝基的渗流状况,计算结果表明水库日渗漏量远小于允许日渗漏量,水库渗漏量满足规范要求。大坝各工况最... 以富水水库为例,依托达西定律和渗流理论基础,并结合Auto bank有限元软件分析了水库在正常高水位、设计洪水位、校核洪水位下坝体及坝基的渗流状况,计算结果表明水库日渗漏量远小于允许日渗漏量,水库渗漏量满足规范要求。大坝各工况最大渗透坡降均小于规范允许值,渗透变形满足规范要求。左坝肩存绕渗现象,建议加强监测。 展开更多
关键词 Auto bank 有限元分析 渗流分析
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Mobile Banking and Commercial Bank Performance Nexus in Zimbabwe (2011-2021): Impact and Implications
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作者 Shepard Makurumidze Dorcas Rwodzi 《Journal of Sustainable Business and Economics》 2023年第1期1-14,共14页
The study investigated mobile banking and commercial banks’performance nexus in Zimbabwe for the period 2011-2021.The investigation employed a pragmatic approach and a descriptive design.Primary data as well as secon... The study investigated mobile banking and commercial banks’performance nexus in Zimbabwe for the period 2011-2021.The investigation employed a pragmatic approach and a descriptive design.Primary data as well as secondary data were used to achieve the study objectives.Questionnaires,interviews and documentary guides were used to collect primary and secondary data respectively.There were 108 questionnaires distributed to staff members and customers of 6 sampled commercial banks in Zimbabwe having mobile banking experience.The interview guide was administered to bank managers to get a deeper understanding of the topic under research and as a mitigation strategy for addressing the flaws of the questionnaires.Analysis of quantitative data utilised descriptive analysis tools,correlations analysis tools as well as regression analysis tools whereas theme analysis was used for qualitative data.SPSS version 26 was used for this purpose.The study implications established that mobile banking and commercial banks’performance nexus in Zimbabwe was significant and also enhanced mobile banking security capabilities and strengthened commercial banks’performance.The investigation concluded that mobile banking’s success in enhancing commercial banks’performance hinged on its ability to allow the user to get easier,cheaper and timely access to services.However,the study results showed that the cost of mobile banking services,government policies and intense competition inhibited the uptake of banking services.Commercial banks are recommended to continue strengthening the security of mobile banking services and to boost their uptake by bank customers in Zimbabwe. 展开更多
关键词 Mobile banking Commercial banks PERFORMANCE
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Development of E-banking channels and market share in developing countries 被引量:2
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作者 Ali Nazaritehrani Behzad Mashali 《Financial Innovation》 2020年第1期216-234,共19页
There is fierce global competition within the banking industry.Therefore,banks endeavor to grow and strive to increase their market share.We analyzed the effect of developing innovative channels of presenting bank ser... There is fierce global competition within the banking industry.Therefore,banks endeavor to grow and strive to increase their market share.We analyzed the effect of developing innovative channels of presenting bank services on banks’market share.The statistical population of this research was Shahr bank’s central headquarter and its branches in Tehran,Iran.We developed questionnaires for gathering the data.The validity and reliability of the scales were tested by EFA,CFA,experts’opinion,and Cronbach’s alpha.We used linear regression to assess the impact of innovative channels,including internet banking,automatic teller machines(ATMs),mobile banking,telephone banking(TB),and point of sales(POS)on banks’market share.The results indicated that some of these channels,including internet banking,POS,and TB,positively affect a bank’s market share.The effect of two other platforms,including mobile banking and ATM development,on banks’market share was rejected.The findings of this study expand our understanding of how bank managers can improve their market share by developing innovative e-banking channels. 展开更多
关键词 E-banking channels New banking services bank market share Innovative services bank marketing
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An 80-GHz DCO utilizing improved SC ladder and promoted DCTL-based hybrid tuning banks
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作者 Lu Tang Yi Chen Kui Wang 《Journal of Semiconductors》 EI CAS CSCD 2023年第10期87-96,共10页
An 80-GHz DCO based on modified hybrid tuning banks is introduced in this paper.To achieve sub-MHz frequency res-olution with reduced circuit complexity,the improved circuit topology replaces the conventional circuit ... An 80-GHz DCO based on modified hybrid tuning banks is introduced in this paper.To achieve sub-MHz frequency res-olution with reduced circuit complexity,the improved circuit topology replaces the conventional circuit topology with two binary-weighted SC cells,enabling eight SC-cell-based improved SC ladders to achieve the same fine-tuning steps as twelve SC-cell-based conventional SC ladders.To achieve lower phase noise and smaller chip size,the promoted binary-weighted digi-tally controlled transmission lines(DCTLs)are used to implement the coarse and medium tuning banks of the DCO.Compared to the conventional thermometer-coded DCTLs,control bits of the proposed DCTLs are reduced from 30 to 8,and the total length is reduced by 34.3%(from 122.76 to 80.66μm).Fabricated in 40-nm CMOS,the DCO demonstrated in this work fea-tures a small fine-tuning step(483 kHz),a high oscillation frequency(79-85 GHz),and a smaller chip size(0.017 mm^(2)).Com-pared to previous work,the modified DCO exhibits an excellent figure of merit with an area(FoMA)of-198 dBc/Hz. 展开更多
关键词 DCO switched-capacitor ladder sub-MHz digitally controlled transmission lines tuning bank
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Soil seed bank is affected by transferred soil thickness and properties in the reclaimed coal mine in the Qilian Mountains, China
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作者 YANG Jingyi LUO Weicheng +3 位作者 ZHAO Wenzhi LIU Jiliang WANG Dejin LI Guang 《Journal of Arid Land》 SCIE CSCD 2023年第12期1529-1543,共15页
Reclamation of lands abandoned after mining in mountain areas is critical to erosion control,safety from landslides,and ecological protection of mountain ecosystems.However,little is known about alpine coal mine recla... Reclamation of lands abandoned after mining in mountain areas is critical to erosion control,safety from landslides,and ecological protection of mountain ecosystems.However,little is known about alpine coal mine reclamation using the soil seed bank as a potential source for revegetation.We collected samples of persistent soil seed bank for germination experiments from nine reclaimed sites with different soil cover thicknesses and from six control sites in the Qilian Mountains of China.Soil properties of each site were determined(including soil water content,soil available potassium,soil available phosphorus,soil total nitrogen,pH,soil organic matter,soil total phosphorus,and soil total potassium,and soil alkali-hydrolyzable nitrogen),and the relationships of the characteristics of the soil seed bank with soil cover thickness and soil properties were examined.The results showed that the density,number of species,and diversity of the topsoil seed bank were significantly correlated with soil cover thickness,and all increased with the increment of soil cover thickness.Soil cover thickness controlled the soil seed bank by influencing soil properties.With the increase in soil cover thickness,soil properties(e.g.,soil organic matter,soil total nitrogen,etc.)content increased while soil pH decreased.The soil seed bank had the potential to restored the pre-mining habitat at reclaimed sites with approximately 20-cm soil cover thickness.Soil properties of reclaimed sites were lower than that of natural sites.The relationship between the soil seed bank and soil cover thickness determined in this study provides a foundation for improving reclamation measures used in coal mines,as well as for the management and monitoring of reclaimed areas. 展开更多
关键词 soil seed bank soil cover thickness species composition soil properties Qilian Mountains
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Filter Bank Networks for Few-Shot Class-Incremental Learning
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作者 Yanzhao Zhou Binghao Liu +1 位作者 Yiran Liu Jianbin Jiao 《Computer Modeling in Engineering & Sciences》 SCIE EI 2023年第10期647-668,共22页
Deep Convolution Neural Networks(DCNNs)can capture discriminative features from large datasets.However,how to incrementally learn new samples without forgetting old ones and recognize novel classes that arise in the d... Deep Convolution Neural Networks(DCNNs)can capture discriminative features from large datasets.However,how to incrementally learn new samples without forgetting old ones and recognize novel classes that arise in the dynamically changing world,e.g.,classifying newly discovered fish species,remains an open problem.We address an even more challenging and realistic setting of this problem where new class samples are insufficient,i.e.,Few-Shot Class-Incremental Learning(FSCIL).Current FSCIL methods augment the training data to alleviate the overfitting of novel classes.By contrast,we propose Filter Bank Networks(FBNs)that augment the learnable filters to capture fine-detailed features for adapting to future new classes.In the forward pass,FBNs augment each convolutional filter to a virtual filter bank containing the canonical one,i.e.,itself,and multiple transformed versions.During back-propagation,FBNs explicitly stimulate fine-detailed features to emerge and collectively align all gradients of each filter bank to learn the canonical one.FBNs capture pattern variants that do not yet exist in the pretraining session,thus making it easy to incorporate new classes in the incremental learning phase.Moreover,FBNs introduce model-level prior knowledge to efficiently utilize the limited few-shot data.Extensive experiments on MNIST,CIFAR100,CUB200,andMini-ImageNet datasets show that FBNs consistently outperformthe baseline by a significantmargin,reporting new state-of-the-art FSCIL results.In addition,we contribute a challenging FSCIL benchmark,Fishshot1K,which contains 8261 underwater images covering 1000 ocean fish species.The code is included in the supplementary materials. 展开更多
关键词 Deep learning incremental learning few-shot learning Filter bank Networks
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Dental pulp stem cells and banking of teeth as a lifesaving therapeutic vista
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作者 SUKUMARAN ANIL RAMYA RAMADOSS +2 位作者 NEBU GTHOMAS JASMIN MGEORGE VISHNUPRIYA KSWEETY 《BIOCELL》 SCIE 2023年第1期71-80,共10页
Exfoliated deciduous or an extracted healthy adult tooth can be used to harvest,process,and cryogenically preserve dental pulp stem cells.Future stem cell-based regenerative medicine methods could benefit significantl... Exfoliated deciduous or an extracted healthy adult tooth can be used to harvest,process,and cryogenically preserve dental pulp stem cells.Future stem cell-based regenerative medicine methods could benefit significantly from these mesenchymal stem cells.Teeth serve as a substantial source of mesenchymal stem cells,otherwise disposed of as medical waste.Care should be taken to store this treasure trove of stem cells.Collective responsibility of patients,dentists,and physicians is necessary to ensure that this valuable resource is not wasted and that every possible dental pulp stem cell is available for use in the future.The dental pulp stem cells(DPSC)inside teeth represent a significant future source of stem cells for regenerative medicine procedures.This review describes the ontogeny,the laboratory processing and collection,and isolation methods of DPSC.This review also discusses currently available stem cell banking facilities and their potential use in regenerative medicine procedures in dental and general medical applications in the future. 展开更多
关键词 Dental stem cell Stem cell therapy Differentiation Regeneration Tissue engineering Tooth banking
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Does country risk impact the banking sectors’non‑performing loans?Evidence from BRICS emerging economies
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作者 Chafic Saliba Panteha Farmanesh Seyed Alireza Athari 《Financial Innovation》 2023年第1期2477-2506,共30页
This study aims to fill the gap in the literature by specifically investigating the impact of country risk on the credit risk of the banking sectors operating in Brazil,Russia,India,China,and South Africa(BRICS),emerg... This study aims to fill the gap in the literature by specifically investigating the impact of country risk on the credit risk of the banking sectors operating in Brazil,Russia,India,China,and South Africa(BRICS),emerging countries.More specifically,we explore whether the country-specific risks,namely financial,economic,and political risks significantly impact the BRICS banking sectors’non-performing loans and also probe which risk has the most outstanding effect on credit risk.To do so,we perform panel data analysis using the quantile estimation approach covering the period 2004–2020.The empirical results reveal that the country risk significantly leads to increasing the banking sector’s credit risk and this effect is prominent in the banking sector of countries with a higher degree of non-performing loans(Q.25=−0.105,Q.50=−0.131,Q.75=−0.153,Q.95=−0.175).Furthermore,the results underscore that an emerging country’s political,economic,and financial instabilities are strongly associated with increasing the banking sector’s credit risk and a rise in political risk in particular has the most positive prominent impact on the banking sector of countries with a higher degree of non-performing loans(Q.25=−0.122,Q.50=−0.141,Q.75=−0.163,Q.95=−0.172).Moreover,the results suggest that,in addition to the banking sectorspecific determinants,credit risk is significantly impacted by the financial market development,lending interest rate,and global risk.The results are robust and have significant policy suggestions for many policymakers,bank executives,researchers,and analysts. 展开更多
关键词 Credit risk Country risk BRICS Emerging markets banking sector Political risk Quantile regression
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Open banking and inclusive finance in the European Union:perspectives from the Dutch stakeholder ecosystem
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作者 Massimo Preziuso Franziska Koefer Michel Ehrenhard 《Financial Innovation》 2023年第1期2752-2778,共27页
In the European Union(EU),the revised Payment Services Directive(PSD2)aims to provide more convenient and customized financial products through open banking(OB)platforms.However,little attention has been paid to the r... In the European Union(EU),the revised Payment Services Directive(PSD2)aims to provide more convenient and customized financial products through open banking(OB)platforms.However,little attention has been paid to the role of OB in improving the financial well-being of the growing number of the EU’s underserved groups,which currently constitute approximately a quarter of its population.This study examines how the PSD2 and OB impact inclusive finance in the EU based on the perspectives of the Netherlands’ecosystem,one of the leaders in the EU’s financial technology(FinTech)landscape.A fundamental distinction can be drawn between the OB users and the ecosystem’s players.Regarding the impact of financial services on the users’inclusivity,while the PSD2 strengthens the infrastructure necessary for financial inclusion,many challenges remain,mainly because it was not designed for this purpose.This study identifies several areas of improvement that include adjustments to the know your customer and anti-money laundering processes for underserved customers,innovative ways to communicate the PSD2’s potential,and the regulation of technology providers’activities to build trust.Meanwhile,from the ecosystem’s position,there is a need to strengthen and improve microfinance regulation according to the opportunities provided by the PSD2 to support microfinance institutions(MFIs)in scaling up and reaching underserved clients across borders with innovative services.OB improvements can also be achieved by organizations formed by MFIs and FinTechs in collaboration with banks.Such hybrid institutions will combine the best features of each of them:knowledge of the needs of local underserved clients from MFIs,technological innovations from FinTechs,and large and trusted customer bases,infrastructures,and access to institutional investments and governments from banks.Finally,an EU inclusive OB sector depends on the centrality of trusted regulators as coordination bodies.The PSD2 requires adjustments for underserved populations’specific needs.OB improvements can be achieved by organizations formed by MFIs and Fin-Techs in collaboration with banks.Regulated technical service providers(TSPs)are crucial to building trust and customer adoption in OB.The European Banking Authority(EBA)may function as coordination body to design inclusive rules by engaging with OB stakeholders.As inclusive finance moves into open-finance and data eras,an increasing regulatory complexity and scope will require networks of innovative and trusted regulators. 展开更多
关键词 The Revised Payment Services Directive(PSD2) Open banking Inclusive finance ECOSYSTEMS FinTech The Netherlands The European Union
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Data envelopment analysis for scale elasticity measurement in the stochastic case:with an application to Indian banking
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作者 Alireza Amirteimoori Biresh K.Sahoo Saber Mehdizadeh 《Financial Innovation》 2023年第1期955-990,共36页
In the nonparametric data envelopment analysis literature,scale elasticity is evaluated in two alternative ways:using either the technical efficiency model or the cost efficiency model.This evaluation becomes problema... In the nonparametric data envelopment analysis literature,scale elasticity is evaluated in two alternative ways:using either the technical efficiency model or the cost efficiency model.This evaluation becomes problematic in several situations,for example(a)when input proportions change in the long run,(b)when inputs are heterogeneous,and(c)when firms face ex-ante price uncertainty in making their production decisions.To address these situations,a scale elasticity evaluation was performed using a value-based cost efficiency model.However,this alternative value-based scale elasticity evaluation is sensitive to the uncertainty and variability underlying input and output data.Therefore,in this study,we introduce a stochastic cost-efficiency model based on chance-constrained programming to develop a value-based measure of the scale elasticity of firms facing data uncertainty.An illustrative empirical application to the Indian banking industry comprising 71 banks for eight years(1998–2005)was made to compare inferences about their efficiency and scale properties.The key findings are as follows:First,both the deterministic model and our proposed stochastic model yield distinctly different results concerning the efficiency and scale elasticity scores at various tolerance levels of chance constraints.However,both models yield the same results at a tolerance level of 0.5,implying that the deterministic model is a special case of the stochastic model in that it reveals the same efficiency and returns to scale characterizations of banks.Second,the stochastic model generates higher efficiency scores for inefficient banks than its deterministic counterpart.Third,public banks exhibit higher efficiency than private and foreign banks.Finally,public and old private banks mostly exhibit either decreasing or constant returns to scale,whereas foreign and new private banks experience either increasing or decreasing returns to scale.Although the application of our proposed stochastic model is illustrative,it can be potentially applied to all firms in the information and distribution-intensive industry with high fixed costs,which have ample potential for reaping scale and scope benefits. 展开更多
关键词 Data envelopment analysis Stochastic data envelopment analysis Technical efficiency Returns to scale Economies of scale Scale elasticity Indian banking ECONOMETRICS ECONOMICS
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Hydro-Geochemistry and Application of Water Quality Index (WQI) for Ground Water Quality Assessment, Wadi Al-Samen—Hebron—West Bank
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作者 Waseem Al-Tamimi Fadoua Hamzaoui-Azaza +1 位作者 Marwan Ghanem Rachida Bouhalila 《Journal of Water Resource and Protection》 2023年第10期481-508,共28页
Located south of the West Bank, Wadi Al-Samen is considered one of the most important sources of groundwater recharge for the eastern aquifer in Hebron. It is polluted by sewage originating from domestic and industria... Located south of the West Bank, Wadi Al-Samen is considered one of the most important sources of groundwater recharge for the eastern aquifer in Hebron. It is polluted by sewage originating from domestic and industrial consumption in the Hebron area. Water quality assessment is an important criterion for achieving sustainable development. To evaluate water quality, twenty samples were collected from groundwater sources for two seasons and were analyzed for Physical properties (Total dissolved solids (TDS), Electrical conductivity (EC), potential hydrogen (pH), Temperature (T)), Four major cations (Mg<sup>2+</sup>, Ca<sup>2+</sup>, Na<sup>+</sup> and K<sup>+</sup>), and the Major anions (HCO<sup>-</sup>3</sub>, Cl<sup>-</sup>, and SO<sup>2-</sup>4</sub>);geochemical methods such as Piper scheme were used for the sample result analysis. To characterize wastewater components, six samples were collected from the Wadi discharge for two seasons and were analyzed (potential hydrogen (pH), Electrical Conductivity (EC), Total Dissolved Solid (TDS), Total Suspended Solids (TDS), Total Suspended Solids (TSS), Biological Oxygen Demand (BOD<sub>5</sub>), and Chemical Oxygen Demand (COD). The results of nitrate levels showed that 20% of the ground water samples exceeded the standard limit of the World Health Organization (WHO). The quality of drinking water was assessed using the Water Quality Index (WQI), which suggests that 10% of samples are classified from poor to very poor. The abundance of cations from highest to lowest was found to be: Ca;Mg;Na, and for the anions it is HCO<sub>3</sub>;Cl;SO<sub>4</sub>. The dominant hydrochemical facies of 35% of collected aquifer samples reveal that Ca-Mg-Na-Cl-HCO<sub>3</sub> are in the domain. Evaluation of irrigation suitability was performed using parameters of Sodium adsorption ratio (SAR), electric conductivity (EC), and Salinity. The results in both rounds for EC showed that all water sources are suitable for irrigation according to Todd’s classification. SAR was not suitable in three water resources samples. Wilcox analysis for the two seasons revealed that 85% of samples are not appropriate for irrigation uses. 展开更多
关键词 Drinking and Irrigation Suitability Water Quality WHO Guidelines Wadi Al-Samen West bank
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Banking of perinatal mesenchymal stem/stromal cells for stem cellbased personalized medicine over lifetime:Matters arising
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作者 Cheng-Hai Li Jing Zhao +1 位作者 Hong-Yan Zhang Bin Wang 《World Journal of Stem Cells》 SCIE 2023年第4期105-119,共15页
Mesenchymal stromal/stem cells(MSCs)are currently applied in regenerative medicine and tissue engineering.Numerous clinical studies have indicated that MSCs from different tissue sources can provide therapeutic benefi... Mesenchymal stromal/stem cells(MSCs)are currently applied in regenerative medicine and tissue engineering.Numerous clinical studies have indicated that MSCs from different tissue sources can provide therapeutic benefits for patients.MSCs derived from either human adult or perinatal tissues have their own unique advantages in their medical practices.Usually,clinical studies are conducted by using of cultured MSCs after thawing or short-term cryopreserved-then-thawed MSCs prior to administration for the treatment of a wide range of diseases and medical disorders.Currently,cryogenically banking perinatal MSCs for potential personalized medicine for later use in lifetime has raised growing interest in China as well as in many other countries.Meanwhile,this has led to questions regarding the availability,stability,consistency,multipotency,and therapeutic efficiency of the potential perinatal MSC-derived therapeutic products after longterm cryostorage.This opinion review does not minimize any therapeutic benefit of perinatal MSCs in many diseases after short-term cryopreservation.This article mainly describes what is known about banking perinatal MSCs in China and,importantly,it is to recognize the limitation and uncertainty of the perinatal MSCs stored in cryobanks for stem cell medical treatments in whole life.This article also provides several recommendations for banking of perinatal MSCs for potentially future personalized medicine,albeit it is impossible to anticipate whether the donor will benefit from banked MSCs during her/his lifetime. 展开更多
关键词 Mesenchymal stromal/stem cells Adult mesenchymal stromal/stem cells Perinatal mesenchymal stromal/stem cells Perinatal tissue Stem cell bank Personalized medicine
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Hybrid Power Bank Deployment Model for Energy Supply Coverage Optimization in Industrial Wireless Sensor Network
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作者 Hang Yang Xunbo Li Witold Pedrycz 《Intelligent Automation & Soft Computing》 SCIE 2023年第8期1531-1551,共21页
Energy supply is one of the most critical challenges of wireless sensor networks(WSNs)and industrial wireless sensor networks(IWSNs).While research on coverage optimization problem(COP)centers on the network’s monito... Energy supply is one of the most critical challenges of wireless sensor networks(WSNs)and industrial wireless sensor networks(IWSNs).While research on coverage optimization problem(COP)centers on the network’s monitoring coverage,this research focuses on the power banks’energy supply coverage.The study of 2-D and 3-D spaces is typical in IWSN,with the realistic environment being more complex with obstacles(i.e.,machines).A 3-D surface is the field of interest(FOI)in this work with the established hybrid power bank deployment model for the energy supply COP optimization of IWSN.The hybrid power bank deployment model is highly adaptive and flexible for new or existing plants already using the IWSN system.The model improves the power supply to a more considerable extent with the least number of power bank deployments.The main innovation in this work is the utilization of a more practical surface model with obstacles and training while improving the convergence speed and quality of the heuristic algorithm.An overall probabilistic coverage rate analysis of every point on the FOI is provided,not limiting the scope to target points or areas.Bresenham’s algorithm is extended from 2-D to 3-D surface to enhance the probabilistic covering model for coverage measurement.A dynamic search strategy(DSS)is proposed to modify the artificial bee colony(ABC)and balance the exploration and exploitation ability for better convergence toward eliminating NP-hard deployment problems.Further,the cellular automata(CA)is utilized to enhance the convergence speed.The case study based on two typical FOI in the IWSN shows that the CA scheme effectively speeds up the optimization process.Comparative experiments are conducted on four benchmark functions to validate the effectiveness of the proposed method.The experimental results show that the proposed algorithm outperforms the ABC and gbest-guided ABC(GABC)algorithms.The results show that the proposed energy coverage optimization method based on the hybrid power bank deployment model generates more accurate results than the results obtained by similar algorithms(i.e.,ABC,GABC).The proposed model is,therefore,effective and efficient for optimization in the IWSN. 展开更多
关键词 Industrial wireless sensor network hybrid power bank deployment model:energy supply coverage optimization artificial bee colony algorithm radio frequency numerical function optimization
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