Design and Implementation of the Commercial Bank Loan Pricing System

目前国际先进银行的定价关注基于客户关系的整体风险收益，而不仅仅是单个产品的收益。其中，信贷业务通常是带头产品，带动存款，现金管理，支付业务，票据贴现等利润较高的辅助产品。同时，与这些产品和服务相关的风险也在客户关系层面上进行部署。有别于短期的、局部的定价技巧或方法，客户关系定价是银行长期，系统的定价战略和定价方法论，这样的产品定价便是基于目标收益率的客户关系定价。 产品定价是市场竞争的重要因素，银行如果对于产品没有量化的定价机制，必然在竞争中处于被动的处境，并逐渐流失优质客户。由于长期的利率管制，银行已经习惯于无差异化的统一利率，即对大多数客户采取相同的定价策略——不同信用等级和不同抵质押担...At present, the international advanced bank's pricing is concerned with the overall risk of the customer relationship, rather than the income of a single product. Among them, the credit business is usually the leading products, driven by the deposit, cash management, payment services, bills discounted and other higher profit margin. At the same time, the risks associated with these products and se...学位：工程硕士院系专业：软件学院_工程硕士(软件工程)学号：X201323205

Effects of Root Salt Stress on Growth and Allocation of Mineral Elements in Halophyte and Glycophyte Seedlings

为了解盐胁迫对植物的影响,研究了根系nA Cl胁迫在温室条件下对盐生植物榄仁(TErMInAlIA CATAPPA)和甜土植物枇杷(ErIObOTryA JAPOnICA)幼苗生长、矿质元素和灰分含量的影响。结果表明:在根系盐胁迫下,两种植物幼苗的叶片病斑多分布于中心区,灰分含量增加,幼苗的nA+-Cl–呈极显著的正相关关系,盐胁迫对两种植物幼苗的5种矿质元素(CA2+,Mg2+,nA+,k+,Cl–)含量影响不大,但它们在植物中的分布发生了变化。可见,盐生植物和甜土植物抗盐性的区别是量上的不同,没有质的差别。In order to understand the effect of root salt stress on seedlings, the growth, mineral elements and ash contents in halophyte Terminalia catappa and glycophyte Eriobotrya japonica seedlings were studied in greenhouse.The results showed that the spots mainly distributed on center of two seedling leaves under root salt stress, and ash content increased.There was significant positive relationship between contents of Na+ and Cl– after root salt stress.The contents of mineral elements(Ca2+, Mg2+, Na+, K+, Cl–) in seedlings varied little, but their distribution in seedlings happened to change.So, there is quantitive difference between halophytes and glycophyte under salt stress, and no qualitative difference.林业科技支撑计划项目(2009BADA2B0605); 福建省科技重点项目(2013N01010365); 漳州市科技重点项目(ZZ2014036)资

Mechanism of Surface Formation for Two-dimensional Ultrasonic Vibration Assisted Grinding of Monocrystal Silicon with Vertical Workpiece Vibration

通过单晶硅磨削试验以及单颗金刚石磨粒划擦试验,分析垂直于工件平面的二维椭圆超声振动磨削单晶硅的表面形成机制。椭圆超声振子由压电陶瓷晶体与金属弹性体粘接制成,其伸缩模态和弯曲模态频率相同,当输入具有一定相位差的两个交流电压信号时产生二维椭圆振动。试验结果表明,由于二维椭圆振动的施加改变了单晶硅的材料去除机制,加工表面质量明显提高,表面粗糙度显著降低,磨削沟槽变浅而宽,切屑变厚而短,单晶硅材料延性域去除比例增加;通过改变超声振动振幅与磨削深度之间大小关系,可实现磨削刃对工件的连续性接触去除和断续性接触去除两种模式的转变。The mechanism of surface formation for two-dimensional elliptic ultrasonic vibration assisted grinding with the vertical direction to workpiece is investigated by grinding experiments and single point diamond abrasive scratching experiments on monocrystal silicon.The vibrator is produced by bonding a PZT on a metal elastic body,frequencies of both longitudinal mode and bending mode are nearly the same,and an elliptic motion occurs when two alternating current signals with phase difference are applied to the PZT.The experimental results show that the workpiece surface quality is improved obviously,and the surface roughness is decreased significantly.And moreover,the grinding grooves become much shallower and wider,and the chip is also much thicker and shorter.It is known that the percent of ductile mode removal material increases.In addition,as the relation between vibration amplitude and grinding depth of cut is changed,two kinds of material removal mechanism,continuous contact and interrupting cutting,can be realized.国防科研资助项目(62301090103

估计葡萄糖处置率与冠状动脉狭窄严重程度关系的横断面研究

目的探讨估计葡萄糖处置率（eGDR）与冠心病（CAD）严重程度的关联。方法采用以医院为基础的横断面研究设计，纳入因疑似冠心病而接受冠状动脉造影检查的患者共1 258人（平均年龄：62（53~68）岁；男性占53.9%）。按照eGDR公式计算胰岛素抵抗水平（IR）：eGDR =21.158 - ［0.09×腰围（WC， cm）］ - ［3.407×高血压（hypertension， 是/否）］ - ［0.551×糖化血红蛋白（HbA1c， %）］。根据eGDR三分位数对研究对象进行分组。冠心病的严重程度由狭窄血管的数量决定： 无明显CAD组（所有冠脉狭窄均<50%，n=704），单支血管CAD组（只有一条受累的主要冠脉狭窄≥50%，n=205），多支血管CAD组 （两条或两条以上受累的主要冠脉存在狭窄≥50%，n=349）；以无明显CAD作参照，采用多因素logistic回归模型分析eGDR与CAD严重程度之间的关联。采用限制性立方样条分析eGDR和CAD在整个eGDR范围内的线性关联。采用亚组分析评估不同糖尿病状态下eGDR和CAD严重程度之间的关联。受试者工作特征（ROC）曲线分析eGDR对提高CAD筛查模型的价值。结果eGDR降低与CAD严重程度的风险增加显著相关。（OR：2.79；95%CI：1.72~4.55；P<0.001）。多因素logistic回归模型中，eGDR最低分位（T1）的个体患多支血管CAD的风险是eGDR最高分位（T3）的2.79倍。（OR：2.79；95%CI：1.72~4.55；P<0.001）。限制性立方样条分析显示，eGDR与CAD以及多支血管CAD之间存在负线性关联（P-linearity<0.05）。在非糖尿病患者中，与参照组（T3）相比，T1组患CAD和多支血管CAD的风险显著增加，OR分别为1.42 （95% CI：1.00~2.01；P<0.05）和1.86 （95%CI：1.21~2.86；P<0.05）。而在糖尿病患者中未发现此关联有统计学意义（P>0.05）。ROC曲线分析，eGDR加入到CAD传统筛查模型中时，AUC、IDI、NRI的结果显示，模型对CAD和多支血管CAD的筛查有显著改善。结论eGDR与CAD及CAD严重程度呈负相关。eGDR作为一种无创且易于获取的非胰岛素测量指标，具有筛查大规模人群中CAD严重程度的潜在价值

Autophagy Inhibition by Chloroquine Sensitizes Cervical Cancer SiHa Cells to CPT Treatment

自噬诱导是肿瘤细胞对化疗药物抵抗性的原因之一,该研究探讨溶酶体抑制剂氯喹对喜树碱(camptothecin,CPT)诱导的宫颈癌细胞Si Ha死亡的增敏效果。CPT和/或氯喹处理宫颈癌Si Ha细胞,MTT法检测细胞增殖,DAPI和TUNEL染色观察细胞凋亡,Western blot和免疫荧光检测自噬及凋亡相关蛋白。结果发现,CPT处理后,Si Ha细胞MAP1LC3B荧光点和LC3II(microtubuleassociated protein light chain 3II)蛋白水平增加,p62荧光点和蛋白质水平则减少;而采用氯喹特异抑制自噬后,可明显提高CPT诱导的细胞凋亡、caspase-9的激活和PARP(poly ADP-ribose polymerase)的切割,而全长caspase-2水平显著下降。以上结果提示,氯喹可通过抑制细胞自噬而增强宫颈癌细胞株Si Ha对CPT诱导细胞凋亡的敏感性。The autophagy induction is one of the reasons for the resistance of tumor cells to chemotherapy drugs. In this study, the enhanced sensitivity of cervical cancer Si Ha cells to camptothecin(CPT)-induced cell death by chloroquine(a lysosome inhibitor) was investigated. The cell viability was detected by MTT assay, meanwhile, apoptosis was observed by DAPI and TUNEL, autophagy related proteins and apoptosis proteins were analyzed by immunofluorescence(IF) staining and Western blot in Si Ha cells after CPT treatment alone or combined with chloroquine. The results found that in Si Ha cells with CPT treatment the autophagy related protein LC3 foci and microtubule-associated protein light chain 3II(LC3II) protein level was increased, but p62 foci and protein level was decreased. When autophagy was inhibited by chloroquine, the CPT-induced apoptosis was obviously enhanced, and caspase-9 was activated and PARP was cleaved, but full length caspase-2 was decreased. Taken together, these results indicated that the inhibition of autophagy by chloroquine could sensitize cervical cancer Si Ha cells to CPT inducing cell apoptosis.山西省自然科学基金(批准号:2014021037-9);; 山西医科大学汾阳学院博士启动基金(批准号:1301);山西医科大学汾阳学院科研项目基金(批准号:1422)资助的课题~

Development of a Two-dimensional Ultrasonic Vibration Assisted Grinding Technique of Monocrystal Silicon

基于超声振动磨削能有效提高加工效率及加工表面质量的特性,通过设计具有伸缩和弯曲两种模态的压电陶瓷椭圆振子,实现了单晶硅二维椭圆振动磨削技术。对超声振子的振动特性进行检测,证实改变压电陶瓷两电极之间的交流信号相位差和电压幅值,可得到不同形状和振幅的椭圆振动。对单晶硅进行超声磨削与普通磨削的对比试验,结果表明二维振动磨削的磨削力大幅降低,表面粗糙度显著减小,表面质量明显提高,加工表面延性域去除比例增加。从而证实二维超声振动磨削方法能够实现高效率高质量单晶硅加工。Based on the characteristics of higher machining efficiency and higher surface quality of ultrasonic vibration grinding,a two-dimensional ultrasonic vibration grinding of monocrystal silicon technique is achieved by designing elliptical vibrator with longitudinal mode and bending mode.The measurement results on the vibration characteristics of vibrator show that shape and amplitude of elliptical vibration can be modulated by changing voltage amplitude and phase difference between the piezoelectric ceramics electrodes.The grinding experimental results show that under the elliptic ultrasonic vibration assistance,grinding forces are reduced largely,the surface roughness is decreased significantly,the surface quality is improved obviously,and moreover the percentage of ductile-mode removal material increases.These indicate that high efficiency and high surface quality machining of monocrystal silicon can be achieved with elliptic vibration assisted grinding.国防科研资助项目(62301090103

重组人类T淋巴细胞白血病病毒抗原及双抗原夹心法ELISA抗体诊断试剂盒的研制

为研制灵敏、特异的抗人类T淋巴细胞白血病病毒(HTLV)抗体诊断试剂,将一段HTLV Ⅰ和HTLV Ⅱenv区嵌合基因在大肠杆菌中表达,获得的重组抗原具有良好活性。将该抗原作为酶标记抗原建立双抗原夹心法ELISA(dsELISA),对31份HTLV Ⅰ型血清和19份HTLV Ⅱ型血清均能100%检出,而在5065份各种阴性血清中特异度为99 94%。用dsELISA试剂与进口间接法试剂(GeneLabs试剂)平行检测18份HTLV Ⅰ参比血清、17份HTLV Ⅱ参比血清和1024份献血员血清,结果dsELISA试剂正确率为100%,对HTLV Ⅰ型血清和HTLV Ⅱ型血清的反应性基本相同,平均s/co值显著高于GeneLabs试剂。而GeneLabs试剂对HTLV Ⅱ型血清的反应性显著弱于Ⅰ型,并有2份BBI参比血清中的Ⅱ型血清漏检。另外,GeneLabs试剂在献血员血清中出现9例假阳性,特异性显著低于dsELISA试剂。这些结果表明:所研制的dsELISA试剂可用于HTLV Ⅰ型和Ⅱ型血清的检测,其灵敏度和特异度均优于进口间接法诊断试剂

庚型肝炎病毒基因在大肠杆菌中表达的初步研究

利用原核表达载体 pRSET或 (和 )pGEX在大肠杆菌内表达了覆盖庚型肝炎病毒 (HGV)C NS3和NS5区的多段基因。CE1、E2、NS3、NS5及NS3 NS5嵌合基因等的 8段基因均有高效表达 ,各重组蛋白产量与菌体总蛋白之比在 10 %～ 35 %之间。对以上重组蛋白进行免疫学筛选 ,证实其中 7个重组蛋白均具免疫学活性 ,在一定程度上确定了重组HGV抗原表位的分布 ,为HGV的血清学和免疫学诊断试剂的研究奠定了坚实基

SARS冠状病毒核衣壳(N)蛋白不同区域的原核表达

利用大肠杆菌表达系统对SARS冠状病毒的核衣壳(N)蛋白全长及N末端或/和C末端缺失突变体进行了表达,共表达了39个重组蛋白,表达量在15%～30%之间。分别利用电洗脱或金属鳌合介质纯化重组蛋白,用蛋白印迹实验检测纯化蛋白对SARS病人恢复期血清的反应性,结果发现全长N蛋白活性最好,其余的末端缺失蛋白均无法达到同一活性水平。由此说明N蛋白的完整性对于其优势表位的充分暴露是必要的

戊型肝炎诊断中血清学及核酸检测意义的研究

目的 利用恒河猴感染模型评估血清学检测和核酸检测在戊型肝炎诊断中的临床意义。 方法对86只戊型肝炎病毒(HEV)实验感染猴的系列血清和粪便标本,用反转录聚合酶链反应方法进行病毒学检测,用4种酶联免疫吸附抗体检测试剂(E2-IgM,E2-IgG,GL-IgG和YES-IgG)进行血清学检测。 结果 感染猴均产生E2-IgG抗体,除1只感染猴未检出粪便排毒和E2—IgM外,其余感染猴均出现粪便排毒和E2-IgM阳转。GL-IgG和YES-IgG的阳转率较低,而且与感染剂量相关。急性肝炎主要开始于感染后3～7周内。病毒学指标在潜伏早期即已出现,较疾病的发生约早2周,并在急性期迅速下降。E2-IgM在发病时已有约2/3阳转,并在发病后10周内完全转阴。E2—IgG几乎与E2—IgM同时阳转,在所有感染猴中持续存在,直至86周后仍无阴转。GL-IgG和YES-IgG抗体较E2抗体晚约1周,在感染后20周内已有过半数转阴。结论 E2-IgM是一个良好的戊型肝炎急性感染诊断指标,E2-IgG是一个良好的戊型肝炎既往感染诊断指标,GL-IgG和YES-IgG抗体的阳转或双份血清滴度升高可以作为辅助诊断指标,病毒核酸检测仅在发病的极早期具有诊断价值