The Building of the Pre-alarm Mechanism on Large Credit Exposure Risks in Commercial Banks

以风险为基本特征的现代市场经济是一种高度货币化、信用化的资源配置模式，金融体系在整个经济运行中居于核心地位。由于商业银行在金融体系的核心地位，经济运行中的风险最终会通过各种途径集中反映和表现在金融体系最重要的风险——信贷风险。目前，我国社会信用环境落后、中小企业信用担保体系不健全，且银行缺乏低成本利润增长点，经营业务趋同，使得集团客户信贷成为银行信贷的主要构成部分。近年来，蓝田、农凯、郑百文、德隆、中航油等集团案件接二连三的爆发，使得银行开始认识到，隐藏在集团客户庞大组织架构后面的很可能是非公允的关联交易、错乱的关联担保、虚假的财务报表、虚增的资产规模和脆弱的资金链条等等。因此，集团客户信用风...The market economy is a kind of resources allocation model which is very monetize and creditable. But the finance system is the core of whole economy, and the commercial bank is the core of the finance system, so the risks that exist in the economy will one day be shown as the most normal risk in the finance system, that is credit risk. At the same time, the social credit environment is bad. The c...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：20034206

Wisdom city management mode analysis-take example as the wisdom management pattern of hangzhou canal national advertising industrial park "Wisdom park"

内容摘要 随着我国城镇化步伐的不断加快，我国的城市人口和经济水平都在不断攀升，伴随而来的是城市开始不得不面临着诸多问题。伴随城市的发展和城市生活水平的提高，人民群众的物质文化生活和精神文化生活需求也日益增多，面对这一局面，只有根据社会实际开展城市智慧化管理，对资源进行合理调配，才能从总体上解决当前城镇化存在的一系列问题。当前城市逐渐向知识、信息、智慧枢纽这三大方向发展，城市智慧化管理也成为当前世界各个城市所普遍关注的内容，它为妥善解决当前城市出现的各种问题提供了选择途径。但在选择城市智慧化管理模式的时候我们需要认识到它所带来的好处的同时也要知道建设智慧城市的巨大难度,只有下定决心,拼搏奋...In the current process of urbanization continues to accelerate in the background , in the stage of rapid development of China's cities face many problems. With the development and improvement of living standards of urban cities , material and cultural life and cultural life of the people's needs are also increasing in the face of this situation, the city actually carried out only on the basis of s...学位：公共管理硕士院系专业：公共事务学院_公共管理硕士(MPA)学号：1392011115046

烟草商业企业货币资金内部控制现状调查与对策研究

文章根据企业内部控制原理,通过实地调查湖南烟草4家地市级烟草公司,以资金运行轨迹为主线,理论与实践相结合,分析了现实的和潜在的风险点,对湖南烟草商业企业资金内部控制的设计提出了建议,确保货币资金安全和完整,对地市级烟草公司资金内部控制的设计与风险控制有一定的积极意义

Studies on Photochemical Degradation of Fenpropathrin，Bifenthrin and Deltamethrin in Organic Solution

拟除虫菊酯类农药是20世纪70年代研发成功的一类仿生杀虫剂，具有性质稳定、环境相容性好、杀虫能力强、残效时间长、安全系数高等优点，已成为重要的农业和卫生杀虫剂。但拟除虫菊酯类农药在农业中的广泛使用带来了许多环境问题，残留在环境中的拟除虫菊酯类农药及其光降解产物，都可能对环境和人类健康造成危害。这类农药对可见光及紫外光(800nm-200nm)有明显吸收，光化学降解是其在环境中降解的主要途径。深入研究拟除虫菊酯类农药在环境中的光化学降解过程、机理、产物及其环境行为具有十分重要的环境意义。光化学降解具有反应复杂性和产物多样性的特点。本研究选用光学异构体较少的甲氰菊酯、联苯菊酯、溴氰菊酯为研究对象，...As bionic insecticides, which were successfully developed in 1970’s, Pyrethroids feature of a varieties of advantages, such as high efficiency, long-term stability, and good compatibility with environment. These insecticides can significantly absorb visible and ultra-violet light. Photochemical degradation is the main process for Pyrethoid- degradation in natural environment. Therefore, study on t...学位：理学硕士院系专业：海洋与环境学院海洋学系_海洋化学学号：S20032701

Infrastructure Construction in China and Scheme of Project Financing

从项目融资的角度,首先介绍了BOT、ABS、TOT这三种主要用于基础设施项目建设的融资模式的基本思路,总结了它们在我国基础设施建设方面的一些具体运用,最后分析了目前所存在的一些问题。对解决当前我国基础设施建设的发展严重滞后于国民经济的发展,资金短缺与投资需求的矛盾提供了有益的思路。In this paper, at first introduction BOT 、ABS、TOT three kinds scheme based on project financing, these are chiefly used in the infrastructure construction , Then some example are on display at the china,Furthermore discuss the problem that they are carried on in our country .How to solve our country infrastructure is later than national economy's development and the problem about the investment demand and short of capital, This paper will provide some implications

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

中国金融改革深化论

八十年代,我国金融体制改革迈出了重大步伐,但也应清醒看到存在的问题,认真总结经验教训

MAP-based of Super-resolution Reconstruction Algorithm

引入一种基于关键点滤波(CrITICAl-POInT fIlTErS,CPf)的图像配准方法,并在最大后验概率(MAXIMuM A POSTErIOrI,MAP)框架下提出一种改进的集投影法(PrOJECTIOnS OnTO COnVEXSETS,MAP/POCS)混合算法。算法把POCS的残差约束集合加入到基于CPf图像配准的MAP正则算法中,在每次迭代重建中对重建图像的像素点进行约束,充分利用这三种算法的优点。实验结果表明,相比于传统的重建方法,该算法能够更有效地表达视频中的非平移运动,超分辨图像主观质量有明显改善。An image registration method based on the critical-point filters is introduced in this paper,and an improved MAP/POCS hybrid algorithm based on the framework of MAP has also been proposed,the POCS residual set of constraints is added to the reconstruction algorithm of MAP based on the critical-point filters registration method joined the adaptive regularization parameter so that it can take advantage of the three algorithms.After the test,the results show that compared with the traditional methods,the algorithm of this paper can express the non-translational motion more effectively and the quality of the super-resolution images has been improved obviously.国家自然科学基金项目(61102135); 中国博士后科学基金项目(2012M511433

高藻饮用水系统中羟基自由基降解诺氟沙星

在厦门翔安水厂12000t/d常规饮用水处理工艺的基础上建立了\"混凝沉淀-砂滤-·OH/NaClO氧化降解抗生素及消毒-清水池\"的处理系统,在九龙江流域高藻爆发期完成了工程化试验.结果表明,当砂滤出水总藻密度为2.04×103cells/mL时,注入相同氧化剂剂量0.5mg/L处理20s后,·OH将56ng/L的诺氟沙星降解至未检出,而NaClO仅降解至54ng/L.·OH在氧化降解抗生素的同时能杀灭全部藻细胞.根据HPLC-MS/MS检测到的降解中间产物分析,·OH氧化降解诺氟沙星通过进攻哌嗪环、萘啶环和氟原子破坏药效团,直至矿化为CO2和H2O.·OH消毒后不产生消毒副产物,检测的106项指标均达到国家《生活饮用水卫生标准》（GB 5749-2006）,为我国高藻饮用水中抗生素的安全处理提供技术支撑.国家重大科研仪器研制项目(NSFC:61427804);;科技部创新人才推进计划重点领域创新团队(2015RA4008);;国家自然科学基金资助重大研究计划(91441132

用微机控制的操作式条件反射实验系统

本文介绍了用APPLE&mdash;Ⅱ微型计算机控制的操作式条件反射实验系统。系统包括硬件,软件两部分。该系统可同时控制五个实验箱,预先设置实验条件后,可在计算机控制下自动给出刺激信号,并记录实验结果,最后将各项数据在打印机上打印出来。</p