An Assessment of Snow Cover Duration Variability Among Three Basins of Songhua River in Northeast China Using Binary Decision Tree

The dynamics of snow cover differs greatly from basin to basin in the Songhua River of Northeast China, which is attributable to the differences in the topographic shift as well as changes in the vegetation and climate since the hydrological year(HY) 2003. Daily and flexible multi-day combinations from the HY 2003 to 2014 were produced using Moderate Resolution Imaging Spectroradiometer(MODIS) from Terra and Aqua remote sensing satellites for the snow cover products in the three basins including the Nenjiang River Basin(NJ), Downstream Songhua River Basin(SD) and Upstream Songhua River Basin(SU). Snow cover duration(SCD) was derived from flexible multiday combination each year. The results showed that SCD was significantly associated with elevation, and higher SCD values were found out in the mountainous areas. Further, the average SCDs of NJ, SU and SD basins were 69.43, 98.14 and 88.84 d with an annual growth of 1.36, 2.04 and 2.71 d, respectively. Binary decision tree was used to analyze the nonlinear relationships between SCD and six impact factors, which were successfully applied to simulate the spatial distribution of depth and water equivalent of snow. The impact factors included three topographic factors(elevation, aspect and slope), two climatic factors(precipitation and air temperature) and one vegetation index(Normalized Difference Vegetation Index, NDVI). By treating yearly SCD values as dependent variables and six climatic factors as independent variables, six binary decision trees were built through the combination classification and regression tree(CART) with and without the consideration of climate effect. The results from the model show that elevation, precipitation and air temperature are the three most influential factors, among which air temperature is the most important and ranks first in two of the three studied basins. It is suggested that SCD in the mountainous areas might be more sensitive to climate warming, since precipitation and air temperature are the major factors controlling the persistence of snow cover in the mountainous areas.

PARAMETRIC AND NON-PARAMETRIC COMBINATION MODEL TO ENHANCE OVERALL PERFORMANCE ON DEFAULT PREDICTION

The probability of default(PD) is the key element in the New Basel Capital Accord and the most essential factor to financial institutions' risk management.To obtain good PD estimation,practitioners and academics have put forward numerous default prediction models.However,how to use multiple models to enhance overall performance on default prediction remains untouched.In this paper,a parametric and non-parametric combination model is proposed.Firstly,binary logistic regression model(BLRM),support vector machine(SVM),and decision tree(DT) are used respectively to establish models with relatively stable and high performance.Secondly,in order to make further improvement to the overall performance,a combination model using the method of multiple discriminant analysis(MDA) is constructed.In this way,the coverage rate of the combination model is greatly improved,and the risk of miscarriage is effectively reduced.Lastly,the results of the combination model are analyzed by using the K-means clustering,and the clustering distribution is consistent with a normal distribution.The results show that the combination model based on parametric and non-parametric can effectively enhance the overall performance on default prediction.