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Hybrid 1DCNN-Attention with Enhanced Data Preprocessing for Loan Approval Prediction
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作者 Yaru Liu Huifang Feng 《Journal of Computer and Communications》 2024年第8期224-241,共18页
In order to reduce the risk of non-performing loans, losses, and improve the loan approval efficiency, it is necessary to establish an intelligent loan risk and approval prediction system. A hybrid deep learning model... In order to reduce the risk of non-performing loans, losses, and improve the loan approval efficiency, it is necessary to establish an intelligent loan risk and approval prediction system. A hybrid deep learning model with 1DCNN-attention network and the enhanced preprocessing techniques is proposed for loan approval prediction. Our proposed model consists of the enhanced data preprocessing and stacking of multiple hybrid modules. Initially, the enhanced data preprocessing techniques using a combination of methods such as standardization, SMOTE oversampling, feature construction, recursive feature elimination (RFE), information value (IV) and principal component analysis (PCA), which not only eliminates the effects of data jitter and non-equilibrium, but also removes redundant features while improving the representation of features. Subsequently, a hybrid module that combines a 1DCNN with an attention mechanism is proposed to extract local and global spatio-temporal features. Finally, the comprehensive experiments conducted validate that the proposed model surpasses state-of-the-art baseline models across various performance metrics, including accuracy, precision, recall, F1 score, and AUC. Our proposed model helps to automate the loan approval process and provides scientific guidance to financial institutions for loan risk control. 展开更多
关键词 loan Approval Prediction Deep Learning One-Dimensional Convolutional Neural Network Attention Mechanism Data Preprocessing
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NPL4靶向抑制剂双硫仑对T细胞肿瘤泛素-蛋白酶体通路相关基因表达的影响
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作者 蔡清华 王彩霞 陈存特 《循证医学》 2024年第2期115-123,共9页
目的我们前期的研究表明,双硫仑(disulfiram,DSF)通过核蛋白定位蛋白4同源物(nuclear protein localization protein 4 homolog,NPL4)介导的泛素-蛋白酶体通路发挥抗T细胞肿瘤[主要包括急性T淋巴白血病(T-cell acute lymphoblastic leuk... 目的我们前期的研究表明,双硫仑(disulfiram,DSF)通过核蛋白定位蛋白4同源物(nuclear protein localization protein 4 homolog,NPL4)介导的泛素-蛋白酶体通路发挥抗T细胞肿瘤[主要包括急性T淋巴白血病(T-cell acute lymphoblastic leukemia,T-ALL)和T细胞淋巴瘤(T-cell lymphoma,TCL)]的作用。本研究旨在探讨双硫仑对T细胞肿瘤中泛素-蛋白酶体通路相关基因表达的调节作用,为T细胞肿瘤的精准靶向治疗提供依据。方法应用0.4μM双硫仑处理T-ALL细胞株Jurkat 48 h,采用转录组测序分析显著性差异表达的基因,并采用10例T细胞肿瘤样本(GZFPH数据集)进行实时荧光定量PCR验证差异基因相对表达水平。最后,从TARGET和GSE58445数据库中下载262例T-ALL和140例TCL的转录组测序数据进行生存分析。结果0.4μM双硫仑处理Jurkat细胞48 h后,在泛素-蛋白酶体通路中,有86个下调和35个上调的基因;其中,单因素Cox回归和生存曲线分析发现,仅有泛素结合酶E2 J1(ubiquitin conjugating enzyme E2 J1,UBE2J1)基因的低表达与TARGET和GSE58445数据集中T-ALL和TCL患者的不良预后相关(P<0.05)。将UBE2J1的表达水平、年龄和性别纳入单因素和多因素Cox回归分析,结果提示UBE2J1的低表达是T-ALL和TCL患者的独立预后影响因子(P<0.05)。结论双硫仑可调控UBE2J1基因的表达,其低表达与T细胞肿瘤患者的不良预后相关,为进一步阐明双硫仑的抗肿瘤作用及其调控的UBE2J1基因作为T细胞肿瘤的危险分层的分子标志物提供理论依据。 展开更多
关键词 npl4 双硫仑 急性T淋巴细胞白血病 T细胞淋巴瘤 泛素-蛋白酶体通路
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Review of Arbitral Award of Network Loan and Analysis of Construction of Implementation Review Rules
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作者 Li Guo 《Proceedings of Business and Economic Studies》 2024年第2期32-37,共6页
The network arbitration cases arising from the network lending disputes are pouring into the courts in large numbers.It is reported that the network arbitration system of some arbitration institutions even“can accept... The network arbitration cases arising from the network lending disputes are pouring into the courts in large numbers.It is reported that the network arbitration system of some arbitration institutions even“can accept more than 10,000 cases every day,”while online lending is booming,it has also caused a lot of contradictions and disputes,and traditional dispute resolution methods have failed to effectively respond to the need for efficient and convenient resolution of online lending disputes.This paper tries to study the arbitral award of online loans and proposes the construction of implementation review rules. 展开更多
关键词 Online loan arbitration Execute Review rules CONSTRUCT
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基于NPLS技术的可压缩湍流机理实验研究新进展 被引量:11
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作者 易仕和 田立丰 +1 位作者 赵玉新 何霖 《力学进展》 EI CSCD 北大核心 2011年第4期379-390,共12页
可压缩湍流机理的实验研究是一件难度很大的工作,其主要的难度在于高时空分辨率的可压缩湍流结构非接触精细测试技术和低噪声的高速风洞设备技术.近几年来,由于在低噪声的超声速、高超声速风洞研究和可压缩流动精细结构测量技术研究方... 可压缩湍流机理的实验研究是一件难度很大的工作,其主要的难度在于高时空分辨率的可压缩湍流结构非接触精细测试技术和低噪声的高速风洞设备技术.近几年来,由于在低噪声的超声速、高超声速风洞研究和可压缩流动精细结构测量技术研究方面取得的重要进展及其在可压缩湍流机理研究方面的应用,超声速流动转捩与湍流的机理研究取得了较大的进展.本文介绍了最近几年高速流动非接触精细测试技术,尤其是基于纳米粒子的平面激光散射技术(nano-tracer planar laser scattering,NPLS)、背景导向纹影技术(background oriented schlieren,BOS)和超声速流场的粒子图像测速技术(particle image velocimetry,PIV)的研究进展和发展前景,以及基于这些技术,在可压缩湍流机理实验研究方面的进展和发展前景,其中包括在超声速混合层转捩、超声速绕流与尾流结构、超声速边界层转捩、激波边界层干扰等典型流场的机理研究方面,以及气动光学机理研究方面的研究进展.最后,展望了目前湍流机理实验研究对湍流工程模型研究的可能贡献. 展开更多
关键词 可压缩湍流 npls技术 精细测试 转捩 微波边界层干扰 工程湍流模型
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三维高光谱NPLS模型用于冬小麦估产的初步研究 被引量:8
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作者 王韬 张录达 +6 位作者 劳彩莲 赵龙莲 李军会 王忠义 黄文江 王纪华 严衍禄 《光谱学与光谱分析》 SCIE EI CAS CSCD 北大核心 2006年第10期1915-1917,共3页
以35个实验小区,8个生育期的冬小麦田间测量冠层反射高光谱组成三维数据信息阵,采用多维偏最小二乘(multiway partial least squares,NPLS)算法建立了冬小麦亩产量估产模型。模型用于对13个实验小区产量预测分析,预测值与实际值的相关系... 以35个实验小区,8个生育期的冬小麦田间测量冠层反射高光谱组成三维数据信息阵,采用多维偏最小二乘(multiway partial least squares,NPLS)算法建立了冬小麦亩产量估产模型。模型用于对13个实验小区产量预测分析,预测值与实际值的相关系数r为0.936 6,平均相对误差为4.44%,说明模型的预测效果较好,对实际的估产工作有一定的指导意义。 展开更多
关键词 三维高光谱 npls模型 小麦估产
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NPLS流场测量技术在高超声速风洞中纳米粒子跟随性数值仿真 被引量:4
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作者 李中华 李志辉 +1 位作者 蒋新宇 吴俊林 《实验流体力学》 CAS CSCD 北大核心 2017年第1期73-79,共7页
从描述粒子运动的微观层次出发,采用双向耦合技术,建立了一种适用于稀薄条件下两相流动的DSMC数值模拟方法。对相间相互作用进行解耦处理,实现了气固两相间动量和能量相互作用的模拟。采用基于DSMC方法的稀薄两相流双向耦合算法,对NPLS... 从描述粒子运动的微观层次出发,采用双向耦合技术,建立了一种适用于稀薄条件下两相流动的DSMC数值模拟方法。对相间相互作用进行解耦处理,实现了气固两相间动量和能量相互作用的模拟。采用基于DSMC方法的稀薄两相流双向耦合算法,对NPLS测量技术高超声速流场测量中纳米粒子的跟随性进行了数值研究。通过Φ50nmTiO2粒子在不同高超声速流场条件下气相-纳米粒子两相流场的仿真,表明在稀薄度很小的流场中,纳米粒子的跟随性很好。而随着流场稀薄度增加,流场中纳米粒子的跟随性降低,纳米粒子在流场中的分布与气相流场分布差异变大,通过NPLS测量得到的激光散射信号不能反映流场结构。 展开更多
关键词 DSMC方法 两相流 双向耦合 npls 高超声速 流场测量
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NPLS技术及其在高速飞行器气动研究中的应用(英文) 被引量:3
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作者 易仕和 陈植 +2 位作者 何霖 武宇 田立丰 《实验流体力学》 CAS CSCD 北大核心 2014年第1期1-11,共11页
近年来,与高速飞行器相关的超声速/高超声速流动受到了极大关注。这类流动所具有的非定常性、强梯度和可压缩性对试验研究提出了挑战。纳米示踪的平面激光散射技术(NPLS)是2005年由作者所在的研究团队研发的非接触光学测试技术。它能够... 近年来,与高速飞行器相关的超声速/高超声速流动受到了极大关注。这类流动所具有的非定常性、强梯度和可压缩性对试验研究提出了挑战。纳米示踪的平面激光散射技术(NPLS)是2005年由作者所在的研究团队研发的非接触光学测试技术。它能够获得超声速三维流场的某个剖面的瞬态流动结构,并且具有较高的时空分辨率。目前,许多研究结果表明NPLS是研究超声速湍流的一项非常有效的技术。近年来,作者应用NPLS技术在超声速湍流研究中取得了较大的进展,并且基于NPLS开发了其它几种技术,比如基于NPLS的密度场测量技术(NPLS-DT),能够获得超声速流动的密度场信息并还能进一步得到雷诺应力分布。本文介绍了NPLS技术并回顾了其在超声速边界层、激波/边界层相互作用等流动中的应用。由于能够获得雷诺压力和湍动能等统计量,NPLS技术有望在发展可压缩湍流模型的研究中发挥作用。 展开更多
关键词 npls 超声速湍流 精细结构 密度场测量 雷诺压力
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NPLS技术在高超声速边界层转捩研究中的应用 被引量:8
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作者 易仕和 刘小林 +2 位作者 陆小革 牛海波 徐席旺 《空气动力学学报》 CSCD 北大核心 2020年第2期348-354,378,共8页
基于纳米粒子示踪平面激光散射技术(Nano-tracer-based Planar Laser Scattering,NPLS)是作者自主研发的一种流动显示与精细测量技术。在超声速条件下,NPLS技术具有很高的时空分辨率和信噪比,已经成功应用于超声速复杂流动现象的精细测... 基于纳米粒子示踪平面激光散射技术(Nano-tracer-based Planar Laser Scattering,NPLS)是作者自主研发的一种流动显示与精细测量技术。在超声速条件下,NPLS技术具有很高的时空分辨率和信噪比,已经成功应用于超声速复杂流动现象的精细测量,包括超声速混合层、超声速平板边界层、超声速压缩拐角、激波边界层干扰等。近年来,该技术被进一步应用到高超声速边界层转捩研究中。本文主要介绍了NPLS技术在高超声速静音风洞喷管边界层流态测量、高超声速圆锥边界层转捩以及三角翼边界层转捩等研究中的应用。高超声速条件下NPLS研究结果与高频传感器、温敏漆等测试技术得到的结论一致性较好,表明NPLS技术在高超声速边界层转捩研究中具有良好的应用前景。 展开更多
关键词 npls 高超声速流动 边界层转捩 静音风洞
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二维相关近红外谱结合NPLS-DA判别掺杂牛奶的研究 被引量:13
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作者 杨仁杰 刘蓉 +1 位作者 徐可欣 杨延荣 《光子学报》 EI CAS CSCD 北大核心 2013年第5期580-585,共6页
将二维相关近红外谱与多维偏最小二乘判别分析方法结合起来,建立了掺杂牛奶与纯牛奶的判别模型.分别配置掺杂尿素牛奶(1~20g/L)和掺杂三聚氰胺牛奶(0.01~3g/L)样品各40个,采集纯牛奶及掺杂牛奶样品的近红外光谱.在量化二维相关近红外... 将二维相关近红外谱与多维偏最小二乘判别分析方法结合起来,建立了掺杂牛奶与纯牛奶的判别模型.分别配置掺杂尿素牛奶(1~20g/L)和掺杂三聚氰胺牛奶(0.01~3g/L)样品各40个,采集纯牛奶及掺杂牛奶样品的近红外光谱.在量化二维相关近红外同步谱的基础上,采用多维偏最小二乘判别分析法分别建立了掺杂尿素、掺杂三聚氰胺及两种掺杂牛奶与纯牛奶的判别模型对未知样品进行判别,其判别正确率分别为95%、90%和92.5%,并与偏最小二乘判别和隐变量正交投影判别建模方法进行了比较.结果表明:多维偏最小二乘判别分析法具有更强的预测能力可推广到其它食品的掺杂检测中. 展开更多
关键词 二维相关近红外谱 多维偏最小二乘判别分析 掺杂牛奶 尿素 三聚氰胺
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基于NPLS的静压比对高超声速光学头罩冷却气膜影响作用研究 被引量:2
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作者 张锋 易仕和 +1 位作者 吴宇阳 易司琪 《空气动力学学报》 CSCD 北大核心 2019年第5期762-769,共8页
超声速冷却气膜是应用于高超声速成像制导飞行器上的一项关键技术,静压比是影响超声速冷却气膜流场发展的重要因素。为研究静压比对该流场的影响规律,在M6高超声速风洞中采用基于纳米粒子的平面激光散射技术,对不同静压比下的马赫数3超... 超声速冷却气膜是应用于高超声速成像制导飞行器上的一项关键技术,静压比是影响超声速冷却气膜流场发展的重要因素。为研究静压比对该流场的影响规律,在M6高超声速风洞中采用基于纳米粒子的平面激光散射技术,对不同静压比下的马赫数3超声速冷却气膜流场进行了实验研究,获得了流场的瞬态流动显示图像。通过瞬态流动显示图像分析,研究了高超声速主流与超声速喷流之间边界面的发展过程;通过分形维数及间歇性分析,研究了静压比对湍流化程度的影响。结果表明在波系结构、喷流厚度及湍流化程度等方面,静压比对超声速冷却气膜产生了明显的影响:气膜总体厚度和静压比正相关,欠压状态和匹配状态气膜厚度增长先慢后快,过压状态先快后慢;欠压状态和匹配状态湍流破碎因子在流场前段普遍小于过压状态,但其沿流向增长较快,最终压力匹配状态湍流破碎因子最大,湍流化程度最高。 展开更多
关键词 高超声速流动 静压比 冷却气膜 npls 分形维数 间歇性
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A Knowledge-based System for the Analysis of the Ability of Paying back Loans 被引量:1
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作者 Zhu Ming(朱明) +1 位作者 Yang Baoan(杨保安) 《Journal of Donghua University(English Edition)》 EI CAS 2001年第1期123-126,共4页
This paper describes the development of a knowledgebased system (KBS) for determining whether or not, and under what conditions, a bank Ioan officer should grant a business loan to a company. The prototype system deve... This paper describes the development of a knowledgebased system (KBS) for determining whether or not, and under what conditions, a bank Ioan officer should grant a business loan to a company. The prototype system developed focuses on what is bank loans risks management, how to prevent risk by the analysis of the ability of paying back loans. The paper makes the structural analysis involved in the system's decision situation, the structured situation diagram or model, dependency diagram and the document needed by the KBS prototype system thus are developed. Through testing the samples from loan business, the quality for the analysis of the ability of paying back loans can be effectively evaluated by the KBS prototype system. 展开更多
关键词 KNOWLEDGE-BASED SYSTEM (KBS) the KBS prototype system the ABILITY of paying BACK loans bank loans risk management.
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Intelligent Decision Support System for Bank Loans Risk Classification 被引量:1
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作者 杨保安 马云飞 俞莲 《Journal of Donghua University(English Edition)》 EI CAS 2001年第2期144-147,共4页
Intelligent Decision Support System (IISS) for Bank Loans Risk Classification (BLRC), based on the way of integration Artificial Neural Network (ANN) and Expert System (ES), is proposed. According to the feature of BL... Intelligent Decision Support System (IISS) for Bank Loans Risk Classification (BLRC), based on the way of integration Artificial Neural Network (ANN) and Expert System (ES), is proposed. According to the feature of BLRC, the key financial and non-financial factors are analyzed. Meanwhile, ES and Model Base (MB) which contain ANN are designed . The general framework,interaction and integration of the system are given. In addition, how the system realizes BLRC is elucidated in detail. 展开更多
关键词 BANK loans Risk Classification Artificial Neural Network ( ANN ) EXPERT SYSTEM ( ES ) Intelligent Decision Support SYSTEM (IDSS).
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Designing of Commercial Bank Loans Risk Early Warning System Based on BP Neural Networks 被引量:1
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作者 杨保安 季海 《Journal of China Textile University(English Edition)》 EI CAS 2000年第4期110-113,共4页
According to the index early warning method, a commercial bank loans risk early warning system based on BP neural networks is proposed. The warning signal is mainly involved with the financial situation signal of loan... According to the index early warning method, a commercial bank loans risk early warning system based on BP neural networks is proposed. The warning signal is mainly involved with the financial situation signal of loaning corporation. Except the structure description of the system structure the demonstration of attemptive designing is also elaborated. 展开更多
关键词 Index EARLY WARNING Method BP Neural Networks BANK loans risk management FINANCIAL SITUATION EARLY WARNING Signal
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Global Financial Crisis and Accounting Rules: The Implications of the New Exposure Draft (ED) Financial Instruments: Expected Credit Losses on the Evaluation of Banking Company Loans 被引量:11
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作者 Gianluca Risaliti Greta Cestari Mariarita Pierotti 《Journal of Modern Accounting and Auditing》 2013年第9期1141-1162,共22页
During the financial crisis, the delayed recognition of credit losses on loans and other financial instruments was identified as a weakness in existing incurred loss model of impairment stated by International Account... During the financial crisis, the delayed recognition of credit losses on loans and other financial instruments was identified as a weakness in existing incurred loss model of impairment stated by International Accounting Standards (IAS) 39, because it is believed that this delay might generate pro-cyclical effects. In response to the recommendations of G20, Financial Crisis Advisory Group (FCAG), and other international bodies, the International Accounting Standards Board (IASB) has undertaken, since 2009, as a part of the project to replace IAS 39, a project (partially shared with Financial Accounting Standards Board (FASB)) aimed at introducing an expected loss model of impairment. Within the scope of this subset project, the IASB has previously issued two exposure documents proposing models to account for expected credit losses: an exposure draft (ED) Financial Instrument: Amortized Cost and Impairment, published in November 2009, and a supplementary document (SD) Financial Instrument: Impairment, published jointly with the FASB in January 2011. However, neither of the two proposals received strong support from interested parties. Recently, the IASB, after the FASB's decision to withdraw from the joint project and to develop a separate expected credit loss model based on a single measurement approach consisting in the sole recognition of lifetime expected credit losses, published a third proposal--Ahe so-called expected credit losses model (ED/2013/3 Financial Instruments: Expected Credit Losses). 展开更多
关键词 impairment expected credit losses International Accounting Standards (IAS) 39 financial instruments global financial crisis banking company loans credit quality
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基于NP和NPL模型在黄河流域的月径流模拟研究 被引量:2
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作者 吴昊昊 倪晋 《水利规划与设计》 2023年第10期41-49,70,共10页
文章基于核密度估计理论,总结非参数p阶马尔柯夫径流模型(NP)模型和NPL模型原理和算法,以黄河流域兰州、龙门和白马寺3个水文站点的天然月径流序列资料为研究对象,开展NP和NPL模型在径流模拟中的应用研究。两模型的实用性检验和对比分... 文章基于核密度估计理论,总结非参数p阶马尔柯夫径流模型(NP)模型和NPL模型原理和算法,以黄河流域兰州、龙门和白马寺3个水文站点的天然月径流序列资料为研究对象,开展NP和NPL模型在径流模拟中的应用研究。两模型的实用性检验和对比分析基于短序列法,采用均值、标准差、偏态系数、滞后1个月和2个月的月径流量与前12个月的总径流量之和之间的相关关系,以及径流边缘分布的核密度估计值等统计特征,结果表明:研究范围内,NP模型更擅长保持实测径流序列均值、标准差等方面的统计特性。由于NPL模型引入可变核和聚集变量,在描述长期依赖性,再现原径流序列概率密度分布的偏态性和平顶性等特征时,NPL模型表现更好。 展开更多
关键词 月径流模拟 NP模型 npl模型 可变核 黄河流域
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Problems in Development of Micro-credit Loans to Farmers in China and Countermeasures
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作者 Lu TAN 《Asian Agricultural Research》 2014年第5期5-7,10,共4页
There are problems of inadequate natural endowment and weak stamina in the development of micro-credit loans to farmers in China. Specifically,existing problems include narrow profit space,serious non-agricultural tre... There are problems of inadequate natural endowment and weak stamina in the development of micro-credit loans to farmers in China. Specifically,existing problems include narrow profit space,serious non-agricultural trend of funds,high dependence on government support,short life cycle,and constantly increasing operating risks. These problems are related to endogenous drawback in design,defect in operating procedure,lagging in relevant policies and measures,and vacancy in risk compensation mechanism. 展开更多
关键词 MICRO-CREDIT loan to FARMERS Risk compensation MEC
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An Empirical Study of the Allocation Efficiency of Rural Financial Resources in Hubei Province from the Perspective of Agricultural Loans 被引量:3
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作者 Xiaofang ZOU Xueqin JIANG 《Asian Agricultural Research》 2014年第8期38-41,共4页
The incompatibility of China's economy and finance has to some extent inhibited the development of rural economy. Taking Hubei Province for example,we measure the allocation efficiency of rural financial resources... The incompatibility of China's economy and finance has to some extent inhibited the development of rural economy. Taking Hubei Province for example,we measure the allocation efficiency of rural financial resources from the perspective of agricultural input and output,and use the modern rural financial development theory to set forth some policy recommendations on how to build a new rural financial resource allocation system. Studies have shown that the allocation efficiency of rural financial resources is low in China,and improving the allocation efficiency of rural financial resources is the key to perfecting rural financial environment while increasing financial support for agriculture. 展开更多
关键词 RURAL FINANCIAL RESOURCES ALLOCATION efficiency FI
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Non-performing Loans in Turkish Banking Sector and Balance Sheets Effects
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作者 Aylin Erdogdu 《Journal of Modern Accounting and Auditing》 2015年第12期677-686,共10页
In the 21st century, while the scope of banking activities has been expanding every day, collecting deposits and providing credit remain as their main and most important functions. They transfer the collected funds th... In the 21st century, while the scope of banking activities has been expanding every day, collecting deposits and providing credit remain as their main and most important functions. They transfer the collected funds thanks to the market confidence they create back to the market in terms of the credits they give. For the organizations operating in the banking sector, crediting is the highest revenue earning source. However, uncollected loans may disrupt the activities of banks and may reduce their effectiveness. Therefore, the control of bank credits has a particular importance in the bank balance sheets. In this study, the relationship between bank balance sheets and non-performing loans (NPL) will be analyzed using Granger causality test and vector autoregressive (VAR) method. This study aims to discuss the impact of NPL on balance sheets and contribute to making correct credit decisions. It also intends to assist to reduce the NPL ratios of banks and minimize the level of negativity in their financial statements. 展开更多
关键词 Turkish banking sector non-performing loans npl banks' balance sheets
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The Impact of Bank-Specific and Macroeconomic Factors on Non-performing Loans in Sri Lankan Commercial Banks
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作者 Nishani Ekanayake 《Journal of Modern Accounting and Auditing》 2018年第11期611-627,共17页
The main purpose of this study is to ascertain the effect of bank-specific and macroeconomic factors on non-performing loans in systemically and non-systemically important commercial banks in Sri Lanka over 10 year’s... The main purpose of this study is to ascertain the effect of bank-specific and macroeconomic factors on non-performing loans in systemically and non-systemically important commercial banks in Sri Lanka over 10 year’s period from 2004 to 2013.Also,the study examines the impact of civil war that prevailed in the country for 30 years on the ex-post credit risk of the banking sector.The study employed panel data methodology to investigate the effect of bank-specific and macroeconomic factors on non-performing loans.Panel unit root test has been undertaken in order to test the stationary of the variables.Hausman test and Wald coefficient restriction test were used to select the appropriate model out of pooled,random,and fixed effect.A dummy variable panel regression model adopted to study the war effect,considering 2009 as the structural year.Findings revealed that return on assets as a proxy for bank efficiency has a significant negative influence,while non-interest income as a proxy for income diversity is positively correlated with non-performing loans of systemically important banks.Both real gross domestic products and lending rates were highly significant in both bank types.On contrary with literature,growth in bank branches is negatively correlated.Public banks do not account for higher level of non-performing loans compared to their private counterpart.Finally,it was identified that civil war had an effect on the level of non-performing loans in commercial banks.The research would have benefited if the analysis is carried out among classified types of loans offered by commercial banks.Future researchers should involve in identifying the most significant contributing loan type to the non-performing loans and its determinants.This study is one of the few studies which have investigated the causes of non-performing loans in the commercial banking industry in Sri Lanka.The analysis of civil war and its impact on non-performing loans is the first study of that nature to be conducted in the context. 展开更多
关键词 non-performing loans CREDIT risk commercial BANKS civil war SRI Lanka
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Loans to Foreign-Funded Enterprises
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作者 Liang Jine Deputy General Manager of Credit Loan Department, Bank of China 《China's Foreign Trade》 1994年第5期8-,34,共2页
With the implementation of the opening policy, the Bank of China(BOC) started lending to foreignfunded enterprises early in the 1980s. At the end of 1993, 50 percent of foreignfunded enterprise had opened accounts wit... With the implementation of the opening policy, the Bank of China(BOC) started lending to foreignfunded enterprises early in the 1980s. At the end of 1993, 50 percent of foreignfunded enterprise had opened accounts with the BOC. BOC has made US dollar loans worth $16.8 billion, and RMB ioans of ¥ 135.55 billion to 展开更多
关键词 loans DOLLAR LENDING funded banks CURRENCY opened assets SHARES SECURITIES
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