The Credit-Risk Decision Mechanism on Fixed Loan Interest Rate with Imperfect Information

In this paper, decision mechanism of credit-risk for banks is studied when the loan interest rate is fixed with asymmetry information in credit market. We give out the designs of rationing and non-rationing on credit risky decision mechanism when collateral value provided by an entrepreneur is not less than the minimum demands of the bank. It shows that under the action of the mechanism, banks could efficiently identify the risk size of the project. Finally, the condition of the project investigation of bank is given over again.

Semi-supervised classification based on p-norm multiple kernel learning with manifold regularization

Consider the efficiency of p-norm multiple kernel learning (MKL), which is extended to a semi-supervised learning (SSL) scenario by applying the manifold regularization technique. A manifold regularized p-norm multiple kernels model is constructed and applied to a semi-supervised classification task. Solutions are proposed for the case of p = 1, p > 1 and p = ∞, with an analysis of theorems and their proofs. In addition, experiments are conducted on several datasets using state-of-the-art methods to verify the efficiency of the proposed manifold regularized p-norm multiple kernels model in semi-supervised classification. © 2016 Beijing Institute of Aerospace Information.

SFCVQ and EZW coding method based on Karhunen-Loeve transformation and integer wavelet transformation

A new hyperspectral image compression method of spectral feature classification vector quantization （SFCVQ） and embedded zero-tree of wavelet （EZW） based on Karhunen-Loeve transformation （KLT） and integer wavelet transformation is represented. In comparison with the other methods, this method not only keeps the characteristics of high compression ratio and easy real-time transmission, but also has the advantage of high computation speed. After lifting based integer wavelet and SFCVQ coding are intro- duced, a system of nearly lossless compression of hyperspectral images is designed. KLT is used to remove the correlation of spectral redundancy as one-dimensional （1D） linear transform, and SFCVQ coding is applied to enhance compression ratio. The two-dimensional （2D） integer wavelet transformation is adopted for the decorrelation of 2D spatial redundancy. EZW coding method is applied to compress data in wavelet domain. Experimental results show that in comparison with the method of wavelet SFCVQ （WSFCVQ）, the method of improved BiBlock zero tree coding （IBBZTC） and the method of feature spectral vector quantization （FSVQ）, the peak signal-to-noise ratio （PSNR） of this method can enhance over 9 dB, and the total compression performance is improved greatly.