The Application and Analysis of Dynamic Financial Analysis Model for the Actuarial Field of the Non-life Insurance Industry

近年来，动态财务分析（DFA）作为一种新兴的资产负债管理工具，在非寿险精算领域的发展越来越受到重视。虽然目前国内有相关文献引入动态财务分析的概念，但主要是以监管者的角度探讨该模型在监管保险偿付能力方面的运用。市场上也逐步出现了用于非寿险公司的DFA软件，但每种软件往往基于不同的方法所建立。为了克服国内相关文献没有对模型的建模过程详细说明的缺陷，本文试图给出一个DFA方法应用建模的一般框架，以管理者的立场，将此分析工具运用于非寿险业中，以作业界参考,也是本文的最大贡献之处。与传统的方法相比,DFA能够提供一个对预测未来财务与经营状况更为有效的工具,其模型的创新之处具体体现为:第一,DFA模型为可...In the last few years, there is growing interest in Dynamic Financial Analysis (DFA), which represents the emerging tool of Asset-Liability(ALM) in the actuarial field of the non-life insurance . Though the previous articles have introduced the concept of the DFA, the most relevant articles refer to the DFA in China stand from the regulator’s viewpoint to monitor insurance company’s solvency. Ther...学位：经济学硕士院系专业：经济学院财政金融系_金融学(含保险学)学号：20034202

Radioimmunoimaging of 131 I Labeled Monoclonal Antibody JHⅢFab′ in Nude Mice Bearing Human Hepatocellular Carcinoma

用蛋白酶切技术制备MCAbJHⅢfAb′片段，回收率约10%。片段活性相当于完整MCAb的1102稀释浓度。用氯胺T法标记MCAbJHⅢfAb′，对荷人肝细胞癌bEl-7402裸鼠体内的放射免疫显像进行了研究。腹腔注射131I-MCAbJHⅢfAb′后24~96H，肿瘤部位有放射性浓聚，以48~72H影像最为清晰；而注射131I-MCAbJHⅢ肿瘤部位也有积聚现象，但本底消除更慢。131I-MCAbJHⅢfAb′注射后72H，13种器官的肿瘤组织与非瘤组织的放射性比值均大于3，肿瘤的定位指数为2.56。这表明MCAbJHⅢfAb′在肝细胞癌的诊断和指导治疗方面有更好的应用前景McAb JHⅢFab′ Fragment was prepared with pepsin digestion It′s receiving percentage was about 10% Its titer was 1∶10 2 of McAb JHⅢ McAb JHⅢFab′ Fragment was radiolabeled with 131 I by Ch T method Its distribution and radioimmunoimaging in the nude mice bearing human hepatoma BEL 7402 were studied Between 24-96 h aFter intraperitoneal administration, the image of the concentrating radioacitivity in tumor was obtained by the γ camera and it was the clearest during 48-72 h; whereas the injection of 131 I McAb JHⅢ into the nude mice resulted in an equal radioactivity in tumor, but it′s background was more slowly cleared. At 72 h aFter the injection of 131 I McAb JHⅢFab′, the radioactivity ratioes of tumor/normal tissue(T/NT) For 13 kinds of organ/tissue were all over 3, and the localization index of tumor was 2 56 These results showed that McAb JHⅢFab′ may be useFul in the localization and targeting treatment of human hepatocellular carcinom

ON THE EFFICIENCY EFFECTIVE ELEMENTS OF OUR COUNTRY'S COMMERCIAL BANKS FROM THE POINT OF X-EFFICIENCY

提高与改善银行业的效率 ,不仅是银行的经营管理者和监管当局的重要目标之一 ,也是防范金融风险 ,有效配置金融资源的需要。本文主要通过对 4家国有商业银行以及 10家股份制商业银行X效率的影响因素进行理论与实证分析 ,并找出其中的相关关系 ,以求能打开银行经营管理的“黑匣子” ,进一步为商业银行的效率改进提供明确的方向。The improvement and enhancement of efficiency in banking is not only one of the important objectives for managers and regulators,but is necessary to safeguard the financial risk and allocate financial resources effectively.Based on the empirical and theoretic analysis of elements which are linked to X-efficiency for 4 state-owned commercial banks and 10 stock commercial banks,the authors try to find the correlations between these elements,then open the"black-box"of bank operation and provide the clear direction toward improving the efficiency of commercial banks

全反式维甲酸与PD98059联合应用抑制结肠癌细胞的增殖

目的本实验拟通过阐明全反式维甲酸(ATRA)与MEK1/2的特异性抑制剂PD98059联合作用对结肠癌细胞增殖的影响。方法实验分组:未加药对照组,ATRA加药组,ATRA与PD98058联合加药组。MTT法检测PD98059联合ATRA对结肠癌细胞株LS174T的增殖抑制作用。流式细胞仪检测结肠癌细胞凋亡情况。结果 MTT法显示PD98059联合ATRA应用引起细胞抑制效果明显优于单个药物作用的效果。流式细胞仪检测也表明两种药物联合应用引起结肠癌细胞凋亡效果明显优于任一单个药物。结论 ATRA与PD98059联合应用可通过引起结肠癌细胞凋亡,从而抑制癌细胞增殖

全反式维甲酸对不同增殖潜能的结肠癌细胞株HIF-1α表达的影响

目的:探讨全反式维甲酸(ATRA)对不同增殖结肠癌细胞系的生长抑制作用,以及对低氧诱导因子(HIF-1α)表达的抑制作用。方法:采用体外培养属于结肠癌DukesC期的HCT-8细胞和LOVO细胞,不同浓度的全反式维甲酸(ATRA)干预。利用MTT观察ATRA对结肠癌细胞系的生长,采用半定量RT-PCR和Western印迹检测ATRA干预后在低氧状态下结肠癌细胞中HIF-1α的表达。结果:全反式维甲酸(ATRA)对结肠癌细胞的增殖有抑制作用,对不同增殖能力的结肠癌细胞HIF-1α的表达量有抑制作用。结论:全反式维甲酸可以抑制结肠癌细胞的增殖,对结肠癌细胞HIF-1α的表达有明显的抑制作用

抗肺癌单克隆抗体在裸鼠移植瘤中的放射免疫显像

抗肺癌单克隆抗体在裸鼠移植瘤中的放射免疫显像俞浩，瞿跃进，颜江华，盛荣宗，林月华俞丹，苏新辉，毛利娜，苏金华，杨善民我们用131I标记抗肺癌单克隆抗体（MCAb3d3）在移植人肺腺癌裸鼠中进行显像，并研究裸鼠体内生物学分布，现将结果报道如下.材料和方..

A Taxol producing Endophytic Fungus Isolated from Taxus mairei and It′s Antitumor Activity

从南方红豆杉皮层分离到一株瘤座孢，其发酵提取物经TlC、HPlC分析以及抗瘤和促微管聚合活性测定，结果提示可能存在紫杉醇或紫杉醇类的活性物质.Strain TF 5, isolated from the inner bark of the Chinese Yew, Taxus mairei , grew rapidly in PDA.The colony reached more than 9 cm in diameter after 7 days incubation.The stromata, dark brown, rounded and irregular shape, appeares on the colony after about 20 days.The conidioiphore is pale yellow and has 2￣4 levels of branch.The spore is single, hyaline, dry, and oval to pyriform.The base end of the spore is truncate rounded and has an obvious scar.Some spores have a short sericate remains.It was identified as one kind of Tubercularia sp .by comparing with authentic taxol through TLC and HPLC, showing this strain to produce taxol or its analogue in mycelial culture.The products in PDA fermentation broth (25 ℃, 140r/min, 15days) approximately reached 185.4 μg/L.The products has toxicity to cancer cell lines KB and P388, while induces tubulin polymerization in vitro , similar to taxol

Iodine nutrition status of pregnant women in Xiamen City after adjusting iodized salt concentration

目的掌握gb 26878-2011《食用盐碘含量》标准执行后,厦门市妊娠期妇女碘营养状况,为卫生策略的制定提供依据。方法选择厦门市翔安区新店镇为调查点,调查妊娠期妇女食用新标准碘盐前后家中的碘盐覆盖率、合格碘盐食用率、尿碘、尿比重水平。结果基线调查及新标准实施后第1到第5次评估,妊娠期妇女家庭碘盐覆盖率均达到100%,盐碘中位数分别为27.8、25.7、24.3、23.7、24.3和25.8 Mg/kg,5次评估的碘盐含量均比基线调查明显减少(均P0.05);基线调查及5次评估测得尿比重均数分别为1.0123、1.0153、1.0180、1.0143、1.0141和1.0132。第1、2、3次评估的尿比重水平均高于基线调查尿比重水平(均P0.05)。结论新标准实施后,妊娠期妇女家中食盐含碘量显著减少,新标准实施前后妊娠期妇女均处于碘营养不足状态,需加强该人群碘营养,保障下一代健康。[Objective]To understand the iodine nutrition status of pregnant women after implementation of‘Edible Salt Iodine Content'( GB26878-2011),and provide evidence for developing health policy.[Methods]The coverage rate of iodized salt,proportion of households using adequately iodized salt,urine-iodine and specific gravity of urine in pregnant women were investigated in Xindian Town of Xiang'an District in Xiamen City which was chosen as the research spot.[Results]In the baseline investigation and during the first-fifth self-assessment stage after carrying out the new standards,the coverage rates of iodized salt were all 100% and the iodine median value in pregnant women was 27.8 mg / kg,25.7 mg / kg,24.3 mg / kg,23.7 mg / kg,24.3 mg / kg and25.8 mg / kg,respectively.The iodine contents in the first-fifth selfassessment stage were all less than that in the baseline survey( all P 0.05).The proportion of urine in pregnant women in the baseline investigation and the first- fifth self-assessment stage was 1.012 3,1.015 3,1.018 0,1.014 3,1.014 1 and 1.013 2 respectively.The proportions of urine in the first-third self-assessment stage were all higher than the baseline survey( all P 0.05).[Conclusion]After the implementation of the new standard,the iodinated content in salt in pregnant households has been reduced significantly.But the pregnant women are in iodine malnutrition before and after implementation of the new standard.It is necessary to strengthen the iodine nutrition for the health of the fetus.福建省科技厅自然基金面上项目(项目编号:2012D046); 厦门市科技局科技计划项目(项目编号:3502Z20124057

猪圆环病毒2型抗体免疫金标检测试纸的研制

应用酶联免疫原理和胶体金层析技术,采用特殊的生产工艺,在玻璃纤维膜包被胶体金标记PCV-2抗原,在硝酸纤维素膜上检测线和对照线处分别包被PCV-2抗原和兔抗PCV-2抗体,制成猪圆环病毒2型抗体免疫金标检测试纸。当待检样品阳性时,在检测线处形成抗原抗体的免疫复合物而凝聚显色;当待检样品阴性时,检测线处不形成抗原抗体免疫复合物不显色。整个试验过程只需15min。试纸与ELISA试剂比较,两者都具有微量、特异、准确的优点,且金标试纸独具操作方便、快速和结果直观、容易判定的优点

沿海产盐区与非产盐区18～45岁人群碘营养状况及甲状腺功能水平研究

目的掌握厦门市沿海产盐区与非产盐区居民盐碘、18～45岁人群碘营养和甲状腺功能水平状况,为采取针对性的防治措施提供依据。方法选择沿海产盐区翔安区和非产盐区集美区为调查点,调查居民合格碘盐食用率、18～45岁育龄期妇女和男性尿碘水平、甲状腺激素水平和海带、紫菜的摄入习惯。结果产盐区和非产盐区盐碘中位数均为27.21 mg/kg,合格碘盐食用率分别为95.33%和96.33%;18～45岁男性尿碘中位数分别为206.55μg/L和232.95μg/L,尿碘<100μg/L的比例分别为20.97%和10%;18～45岁育龄期妇女尿碘中位数分别为176.95μg/L和227.70μg/L,尿碘<100μg/L的比例分别为21.67%和25%;产盐区和非产盐区18～45岁男性和育龄期妇女的甲状腺激素TSH、Tg、FT3、FT4、TPOAb、TT3、TT4中位数均在正常值范围内;产盐区18～45岁男性的甲状腺功能亢进阳性率为3.4%、育龄期妇女的甲状腺功能减退和亚临床甲状腺减退症的阳性率均为1.67%,而非产盐区均为0。产盐区和非产盐区18～45岁男性和育龄期妇女中均有一定比例易患甲状腺免疫性疾病的人群。每月食用海带、紫菜的次数≥4次、1～3次和<1次的人尿碘组间比较无统计学差异。结论产盐区和非产盐区18～45岁男性和育龄期妇女碘营养总体处于适宜状态,应坚持食盐加碘措施,对育龄期妇女在婚前体检时开展常规碘营养水平和甲状腺功能检测