基于PEARLS体系的农村信用社绩效评价体系

科学合理的绩效评价是保持农村信用社健康、快速发展的必要条件之一。在我国,对农信社的绩效评价主要集中在风险防范领域,而对影响农信社发展的盈利能力等因素缺乏考虑。PEARLS体系是世界信用理事会(WOCCU)所倡导的最新、最权威的绩效评价体系。本文以某省2005年—2007年各地区农信社的汇总数据为样本,采用因子分析方法进行实证。结果显示,我国农信社的绩效在过去三年内有所改善,但仍与国际水平有着很大差距。

PEARLS框架式反馈教学法在医学模拟教学中的应用

目的在临床医学模拟教学中探究复盘阶段简便易行的同质化反馈模式,应用PEARLS框架式反馈教学法并进一步探讨其在模拟教学中的应用价值和意义。方法本研究对临床师资团队进行PEARLS框架式反馈教学法做统一培训,在临床医学模拟教学中应用,对规培医师采用问卷调查法对教学效果进行评估。结果调查问卷结果显示实验组和对照组两组规培医生在参与度、积极性、时间合理性上没有显著性差异,在考虑学员心理和学习效果上两组有显著性差异,P<0.05。结论PEARLS框架式反馈教学法是行之有效、简便易行的医学模拟教学反馈方法。

基于PEARLS体系的农村信用社改革绩效评价——以海南省为例

运用世界信用社理事会(WOCCU)的PEARLS指标体系对海南省农信社改革绩效进行了评价,计算得出了样本机构各年度各项PEARLS体系核心指标的取值。将这些指标值与WOCCU理想目标进行比较,找出了各机构在经营中应该着力改进的问题。运用AHP方法和TOPSIS方法,计算了各机构在各年度的综合评分,通过横向和纵向对比,研究了各机构在改革前后总体绩效的变化情况,以及采取不同改革模式的样本机构的综合绩效差异。纵向对比结果表明,海南省农信社在新一轮改革后,总体绩效都得到显著的提高,说明改革总体上是比较成功的。横向对比结果表明,采取股份制改革模式的样本机构的综合绩效要高于采取股份合作制的样本机构。

Ce(Ⅲ) Salt Induced Changes of Superficial Microstructure in Freshwater Pearls

The transition of the superficial microstmcture of freshwater pearls induced by Ce was investigated by means of scanning electron microscopy. The pearls were cultured in freshwater containing 0 （control group ）, 0.5, 1, and 1.5 mg·L^-1 of a Ce additive. X-ray photoelectron spectroscopy （XPS） measurement showed that the concentration of Ce absorbed in the superficial microstmcture of pearls was positively correlated to the additive Ce. At the same time, the surface microstmcture of pearls changed greatly with Ce concentration, the shape of the blocks changed from spindly to perfect regular hexagonal sheets and finally to round discs. The glossiness of the pearls changed correspondingly with the microstmcture, pearls possessing the regular hexagonal blocks having the highest glossiness. Therefore, the REE Ce exerted a significant influence on the microstructure and glossiness of freshwater pearls. An appropriate quantity of Ce may improve the glossiness of pearls.

A Modified Integrated Model of the Internal Structure of Chinese Cultured Pearls

Optical and micro-infrared microscope were used to observe the internal structure and mineral composition of high and low quality Chinese seawater and freshwater cultured pearls.Results clearly reveal that aragonite and calcite are found in seawater cultured pearls,but vaterite is not found.In contrast,vaterite and aragonite are found in freshwater cultured pearls,but calcite is not found.Based on our analysis and observations of the internal structure of high and low quality cultured pearls,a modified integrated model of the internal structure of Chinese cultured pearls was established.Our revisions to the previous model focus on significant differences within the prismatic layer of Chinese cultured pearls.

A randomized controlled trial of peeling and aspiration of Elschnig pearls and neodymium: yttrium-aluminiumgarnet laser capsulotomy

AIM: To compare surgical peeling and aspiration and neodymium yttrium garnet laser capsulotomy for pearl form of posterior capsule opacification(PCO).METHODS: A prospective, randomized, double blind,study was done at Rotary Eye Hospital, Maranda,Palampur, India, Santosh Medical College Hospital,Ghaziabad, India and Laser Eye Clinic, Noida India.Consecutive patients with pearl form of PCO following surgery, phacoemulsification, manual small incision cataract surgery and conventional extracapsular cataract extraction(ECCE) for age related cataract, were randomized to have peeling and aspiration or neodymium yttrium garnet laser capsulotomy. Corrected distance visual acuity(CDVA), intra-operative and postoperative complications were compared.RESULTS: A total of 634 patients participated in the study, and 314(49.5%) patients were randomized to surgical peeling and aspiration group and 320(50.5%) to the Nd:YAG laser group. The mean pre-procedural log MAR CDVA in peeling and neodymium: yttrium-aluminium-garnet(Nd:YAG) laser group was 0.80 ±0.25 and 0.86 ±0.22, respectively. The mean final CDVA in peeling group(0.22 ±0.23) was comparable to Nd:YAG group(0.24 ±0.28; t-test, P =0.240). There was a significant improvement in vision after both the procedures(P 【0.001). A slightly higher percentage of patients in Nd:YAG laser group(283/88.3%) than in peeling group(262/83.4%) had a CDVA of 0.5(20/63) or better at 9mo(P 【0.001). On the contrary, patients havingCDVA worse than 1.00(20/200) was also significantly higher in Nd:YAG laser group as compared to peeling group(25/7.7% vs 15/4.7%, respectively). On application of ANCOVA, there was less than 0.001% risk that PCO thickness and total laser energy had no effect on rate of complications in Nd:YAG laser group and less than 0.001% risk that PCO thickness had no effect on complications in peeling group respectively. Sum of square analysis suggests that in the Nd:YAG laser group,thick PCO had a stronger impact on complications(Fischer test probability, P r 【0.0001) than thin PCO and total laser energy(Fischer test probability, P r 【0.002),respectively; similarly, in peeling group, thick PCO and preoperative vision had a stronger effect on complications than thin PCO, respectively(Fischer test probability, P r 【0.001). The rate of complications like uveitis(P =0.527) and cystoid macular edema(P =0.068),did not differ significantly between both the groups.However, intraocular pressure spikes(P =0.046) and retinal detachment(P【0.001) were significantly higher in Nd:YAG laser group as compared to peeling group.Retinal detachment was more common in patients having degenerative myopia(7/87.5%, P 【0.001). Recurrence of pearls was the most common cause of reduction of vision in the peeling group(24/7.6%, P 【0.001).CONCLUSION: There is no alternative to Nd:YAG laser capsulotomy for fibrous subtype of PCO. For pearl form of PCO, both techniques are comparable with regard to visual outcomes. Nd:YAG laser capsulotomy has a higher incidence of IOP spikes and retinal detachment whereas recurrence of pearls may occur after successful peeling and aspiration. When posterior capsulotomy is needed in patients with retinal degenerations,retinopathies and pre-existing retinal breaks, the clinician should be cautious about increased risks of possible complications of Nd:YAG laser capsulotomy.

基于PEARLS指标体系的农村信用社绩效评价

文章构建基于WOCCU的PEARLS评价指标体系，对吉林省的农村信用社进行绝对绩效评价，为分析农村信用社内部管理、外部监管、第三方评级以及绩效影响因素分析提供基础，为分析农村信用社的改革绩效提供理论参考。

The crystal structure of pearls and related shellfish's shells

In this article we explored the crystal structure of a few pearls and shellfish's shell of fresh water and sea water, and found that pearls and nacreous layer (perhaps and prismatic layer) of shells are all the same: CaCO3, orthorhombic system, aragonite structure and the value of lattice spacings are almost identical. This shows that the pearls of fresh water and sea water are all the same in nature.

China in South Asia: A Strategy of „Strings of Pearls‟?

China‟s growing engagement in various sectors in South Asia poses challenges to India‟s regional dominant position.China has started billions of dollars investment for infrastructure development,especially in those states who are part of its Belt and Road initiatives(BRI).Indian scholars consider Beijing‟s Indian Ocean centric investment including sea port expansion as a policy of controlling India by creating„string of pearls,‟those small countries as a vital„pearl‟in this„string‟.On the contrary,China claims that it is not anything concerning security in South Asia;rather,she looks for economic gain as well as a win-win situation for all.Except for India,all countries of this region have already welcomed their participation in the BRI.In order to illustrate the opposite perceptions of India and China,the paper aims to explore either China‟s investment in the South Asian region is for its strategic gain or more economic expansions.I argue that China‟s growing influence in South Asia should not be considered as a strategy of„encirclement‟against India.Nevertheless,the article concludes here if New Delhi and Beijing is looking forward to making a success of BRI,it certainly will bring crucial geopolitical and economic gain.

Small Pearls,Big Profits

On the night of the Qixi Festival,Chinese Valentine's Day,which fell on August 22 this year,Yao Xiaofang,a 71-year-old pearl wholesaler,livestreamed until midnight,later than usual.She did so because of the extraordinary enthusiasm of her viewers.With the username Pearl Grandma on video-sharing platform Douyin,China's TikTok,she has more than 1 million fans and has gained popularity online for her profound knowledge of pearls.

Pearls of Wisdom

精神的财富是唯一的财富。The wealth of the mind is the only wealth.怀疑是知识的钥匙。Doubt is the key to knowledge.大千世界,无奇不有。

Pearls of Wisdom

人只要奋斗就会犯错误。Man errs so long as he strives.忍耐是痛苦的,但它的果实是甜蜜的。Patience is bitter,but its fruit is sweet.总有一次哭泣,让人瞬间长大。There is always a cry when people instantly grow up.

Pearls of Wisdom

你应该为你在乎的事情冒险。对明天最好的准备就是今天做到最好。先相信你自己,然后别人才会相信你。行动不一定带来快乐,但快乐总是源于行动。

Industrial Carbon Emission Distribution and Regional Joint Emission Reduction:A Case Study of Cities in the Pearl River Basin,China

China’s low-carbon development path will make significant contributions to achieving global sustainable development goals.Due to the diverse natural and economic conditions across different regions in China,there exists an imbalance in the distribution of car-bon emissions.Therefore,regional cooperation serves as an effective means to attain low-carbon development.This study examined the pattern of carbon emissions and proposed a potential joint emission reduction strategy by utilizing the industrial carbon emission intens-ity(ICEI)as a crucial factor.We utilized social network analysis and Local Indicators of Spatial Association(LISA)space-time trans-ition matrix to investigate the spatiotemporal connections and discrepancies of ICEI in the cities of the Pearl River Basin(PRB),China from 2010 to 2020.The primary drivers of the ICEI were determined through geographical detectors and multi-scale geographically weighted regression.The results were as follows:1)the overall ICEI in the Pearl River Basin is showing a downward trend,and there is a significant spatial imbalance.2)There are numerous network connections between cities regarding the ICEI,but the network structure is relatively fragile and unstable.3)Economically developed cities such as Guangzhou,Foshan,and Dongguan are in the center of the network while playing an intermediary role.4)Energy consumption,industrialization,per capita GDP,urbanization,science and techno-logy,and productivity are found to be the most influential variables in the spatial differentiation of ICEI,and their combination in-creased the explanatory power of the geographic variation of ICEI.Finally,through the analysis of differences and connections in urban carbon emissions under different economic levels and ICEI,the study suggests joint carbon reduction strategies,which are centered on carbon transfer,financial support,and technological assistance among cities.

Effects of magnetic field on fluidization properties of magnetic pearls

An experimental study of the influence of external magnetic field on the fluidization behavior of magnetic pearls was carried out. Magnetic pearls are a magnetic form of iron oxide that mainly consists of Fe2O3 which are recovered from a high-volume power plant fly ash from pulverized coal combustion. Due to its abundance, low price and particular physical and chemical properties, magnetic pearls can be used as a heavy medium for minerals or solid waste dry separation based on density difference. This paper introduces the properties of magnetic pearls and compares the performance of magnetic pearls fluidised bed operation with or without an external magnetic field. Experimental results show that an external magnetic field significantly improves the fluidization performance of magnetic pearls such as uniformity and stability.

Hydrothermal treatment of pearl millet grains:Effects on nutritional composition,antinutrients and flour properties

Pearl millet(Pennisetum glaucum)is one of the major millets with high nutritional properties.This crop exhibits exceptional resilience to drought and high temperatures.However,the processing of pearl millet poses a significant challenge due to its high lipid content,enzyme activity,and presence of antinutrients.Consequently,it becomes imperative to enhance the quality and prolong the shelf life of pearl millet flour by employing suitable technologies.Hydrothermal treatment in the food industry has long been seen as promising due to its potential to reduce microbial load,inactivate enzymes,and improve nutrient retention.This study aims to investigate the effects of hydrothermal treatment on the quality characteristics of pearl millet.The independent variables of the study were soaking temperature(35,45,55℃),soaking time(2,3,4 h),and steaming time(5,10,15 min).Treatment conditions had a statistically significant effect on nutrient retention.Major antinutrients like tannins and phytates were reduced by 0.99% to 5.94% and 0.36% to 6.00%,respectively,after the treatment.Lipase activity decreased significantly up to 10% with the treatment conditions.The findings of this study could potentially encourage the use of pearl millet flour in the production of various food items and promote the application of hydrothermal treatment in the field of food processing.

Discovery and inspiration of large-and medium-sized glutenite-rich oil and gas fields in the eastern South China Sea:An example from Paleogene Enping Formation in Huizhou 26 subsag,Pearl River Mouth Basin

Based on the practice of oil and gas exploration in the Huizhou Sag of the Pearl River Mouth Basin,the geochemical indexes of source rocks were measured,the reservoir development morphology was restored,the rocks and minerals were characterized microscopically,the measured trap sealing indexes were compared,the biomarker compounds of crude oil were extracted,the genesis of condensate gas was identified,and the reservoir-forming conditions were examined.On this basis,the Paleogene Enping Formation in the Huizhou 26 subsag was systematically analyzed for the potential of oil and gas resources,the development characteristics of large-scale high-quality conglomerate reservoirs,the trapping effectiveness of faults,the hydrocarbon migration and accumulation model,and the formation conditions and exploration targets of large-and medium-sized glutenite-rich oil and gas fields.The research results were obtained in four aspects.First,the Paleogene Wenchang Formation in the Huizhou 26 subsag develops extensive and thick high-quality source rocks of semi-deep to deep lacustrine subfacies,which have typical hydrocarbon expulsion characteristics of"great oil generation in the early stage and huge gas expulsion in the late stage",providing a sufficient material basis for hydrocarbon accumulation in the Enping Formation.Second,under the joint control of the steep slope zone and transition zone of the fault within the sag,the large-scale near-source glutenite reservoirs are highly heterogeneous,with the development scale dominated hierarchically by three factors(favorable facies zone,particle component,and microfracture).The(subaqueous)distributary channels near the fault system,with equal grains,a low mud content(<5%),and a high content of feldspar composition,are conducive to the development of sweet spot reservoirs.Third,the strike-slip pressurization trap covered by stable lake flooding mudstone is a necessary condition for oil and gas preservation,and the NE and nearly EW faults obliquely to the principal stress have the best control on traps.Fourth,the spatiotemporal configuration of high-quality source rocks,fault transport/sealing,and glutenite reservoirs controls the degree of hydrocarbon enrichment.From top to bottom,three hydrocarbon accumulation units,i.e.low-fill zone,transition zone,and high-fill zone,are recognized.The main area of the channel in the nearly pressurized source-connecting fault zone is favorable for large-scale hydrocarbon enrichment.The research results suggest a new direction for the exploration of large-scale glutenite-rich reservoirs in the Enping Formation of the Pearl River Mouth Basin,and present a major breakthrough in oil and gas exploration.

High-quality Development of the Pearl River Night Tour in the Context of Deep Integration of Culture and Tourism

Urban night tourism is a new form of urban tourism development and an important driving force for the prosperity of urban night economy.As the most prestigious business card among many night tour projects in Guangzhou,the Pearl River water night tour has contributed to the development of Guangzhou s night economy,which cannot be underestimated.However,in the process of rapid development,there are also problems such as diversified operators,insufficient integration of intangible cultural elements,excessive commercial attributes,issues of tourism facilities and service facilities.Under the new stage of integrated development of culture and tourism,how to use mutual promotion of culture and tourism in the Pearl River night tour to seek innovative paths for high-quality development in the future is the main problem expected to be solved in this paper.Therefore,based on the perspective of culture and tourism integration,this paper analyzes the general situation and development status of the Pearl River night tour,and proposes five development strategies:the overall planning of culture and tourism integration,the deep integration of intangible cultural elements,the balance of commercial attributes and tourism attributes,the high integration of culture,business,tourism and education,and the creation of tourism atmosphere,in order to provide inspiration for the healthy,orderly and high-quality development of the Pearl River night tour.

珍珠是什么?

珍珠,是海洋中非常重要的一种珍宝。珍珠的英文名称为Pearl,是由拉丁文Pernulo演变而来的。它的另一个名字是Margarite,则由古代波斯梵语衍生而来,意为“大海之子”。珍珠在东西方历史上都被视为珍宝。在清朝,统治者把东珠镶嵌在表示权力和尊荣的冠服饰物上,以表示身份并彰显皇家的权威。而在现代,珍珠更是作为饰品被大家喜爱。那么,如此流行的珍珠到底是什么?它是由什么形成的?现在,就让我们进入珍珠的世界一探究竟吧!