Research on Integrated Risk Economic Capital Measurement and Allocation of Insurance Companies based on Copula-Kernel Model

风险管理对于任何一家企业的经营都是不可或缺的，在面临高风险的金融行业更是显得尤为重要。作为金融业主体之一，保险是经营风险的行业，需要比其他金融行业承担更多而且更加复杂的风险。随着经济的增长以及保险市场的进一步开放，我国保险公司所面临的竞争也越来越激烈，构建完善的风险管理体制是每个保险企业的内在诉求。 作为一种先进的风险管理手段，经济资本风险管理已经被广泛运用于国际保险业，对保险公司防范风险、稳健经营起到了积极的影响。经济资本在国内也已得到保险公司和监管机构的认同，是未来保险业风险管理的主流趋势。传统的保险经济资本研究还停留在基于正态假设的粗略计量以及单一风险类的研究，并且往往将经济资本理解成...Risk management is indispensable for any enterprise, is particularly important to financial industry with high-risk. As one of the main financial industry, the insurance is industry operating risk, need to take more risk than other financial sectors. With the further opening up of the insurance market and the economic growth, Chinese insurance companies are facing increasingly fierce competition, ...学位：经济学硕士院系专业：经济学院_数量经济学学号：1542011115191

基于时空视角下新农合农户满意度研究:以福建省为例

文章基于福建省的入户调研数据,通过引入SCSb模型以及建立基于熵值法的综合评判体系,从参合者角度对新农合农户满意度进行时空分析。实证结果表明,时间层面上,参合者对新农合的价值感知是提升满意度的核心内容,改变参合者对新农合的预期是提升满意度的基础;从地区比较层面来分析,参合者的感知价值与地方政策的实施力度直接关联,而与经济综合发展水平无关

新加坡华族双语儿童描述负面身体动作所使用的动词分析 = An analysis of the verbs used by Singaporean bilingual Chinese children in their description of negative physical actions

动词习得一直都是语言学家非常关注的一类词汇习得。许多语言学家不断的研究儿童的动词习得特征，以便通过分析这些特征给出儿童语言教育相关的建议。本文将通过研究新加坡3-5岁儿童对于负面身体动作动词的双语使用情况，来分析以及讨论这个年龄段儿童负面身体动作动词习得的特征以及情况。3-5岁是儿童动词词汇量增长最快的年龄，因此研究这个年龄段的儿童能够更好的看出儿童学前的负面动词使用情况。本文通过分析负面动词使用情况来讨论动词的负面性对于儿童习得动词的影响。本研究包括了问卷调查和语言测试这两个部分。问卷主要是要调查被试儿童的基本资料、家庭背景、家庭语用情况、儿童语用情况和儿童身体动作动词词汇量。语言测试第一部分采用了国际认可的PPVT-4分别测试儿童英语和华语的程度是否达到儿童年龄的平均程度。测试的第二部分截取了PPVT-4里的身体动作动词图片，加入了一些其他的身体动作动词图片和录像来测试儿童身体动作动词的双语使用情况。最后测试结果通过SPSS统计，并对结果进行分析和加以讨论负面动词习得的特点和负面性产生的相对影响。The acquisition of verbs has always been an area of concern for linguists. Many linguists’ research is about children’s verb acquisition in order to find out the characteristics of verb acquisition and give suggestions to language education. This study researches on the usage of certain negative physical action verbs by Singaporean bilingual children between the ages of 3 to 5 in order to analyse and discuss the characteristics of negative physical action verb acquisition. Children between ages 3 to 5 are expanding their vocabulary very quickly; henceforth this study chose this age range to find out how they used this type of verbs in specific situations before their school age.This study discusses whether and how the negativity of specific action verbs affects the children’s use of these verbs. This study includes a parent report form and a language test. The parent report form asks about the children’s basic information, family background, family language usage and the child’s lexicon development of physical action verbs. The language test comes in 2 parts. The first part is the PPVT-4 test, which can indicate whether the children’s vocabulary level is within the range of standard developmentat these ages. The second part of the test chose some pictures from the standard PPVT-4 and added some other pictures and videos of action verbs that involve physical actions in order to test children’s English and Chinese usage of physical action verbs in their descriptions of these picture or videos. The results were analysed and collated using SPSS and the collated results were used to discuss the characteristics of the children’s use of the negative physical action verbs.Bachelor of Art

哈尔滨市城市化建设对鸟类群落的影响

近年来,城市化对鸟类的影响受到生态学家的广泛关注。于2014年3～5月对哈尔滨市区7块城市绿地中鸟类的分布和数量进行了调查,同时选取4个城市化指标以确定影响哈尔滨市区鸟类群落的主要城市化因子,并进一步分析哈尔滨城市化与鸟类群落的关系。调查共记录到鸟类121种隶属于14目38科。在7个样地中,鸟类群落多样性指数显示为:H群力湿地公园>H植物园>H太阳岛>H东北林业大学林场>H兆麟公园>H四季上东小区>H儿童公园; 均匀性指数E群力湿地公园>E植物园>E东北林业大学林场>E太阳岛>E四季上东小区>E兆麟公园>E儿童公园。4个城市化因子中,建筑指数和距市中心的距离是影响鸟类多样性的最主要因子; 人为干扰和平均噪音对鸟类群落的多样性和均匀度无显著影响; 距市中心距离与鸟类群落多样性、均匀度呈显著正相关; 建筑指数与鸟类群落多样性、物种数呈显著负相关; 城市化综合指数与鸟类群落多样性、均匀性呈显著负相关。分析表明,哈尔滨市鸟类群落多样性及均匀性随着城市化程度的增加而减小

Characteristics of microbial communities and their association with immunity and metabolism at the early developmental stage of Protosalanx chinensis(大银鱼早期发育阶段微生物群落特征及其与免疫和代谢的关联)

In order to understand the changes and characteristics of microbial communities during early development of Protosalanx chinensis, samples were collected at five developmental periods, which are the embryonic period (heartbeat stage, XT), the endogenous nutrition period (the first day after hatching, H1), the mixed nutrition period (the fourth day after hatching, H4), the open feeding period (the seventh day after hatching, H7), and the exogenous nutrition period (the tenth day after hatching, H10). Microbial community succession during early development was observed by 16S rRNA gene sequencing technology, especially the characteristics and key microbial genera before and after feeding. Combined with the transcriptome data of the same batch of samples, the microbial genera related to immunity and metabolism were analyzed based on the association network method. The results showed that there were significant differences in β diversity among the different periods at the early developmental stage (P＜0.001). The dominant bacteria in the XT period were Flavobacterium and Chryseobacterium, and the dominant bacterium in the H1 period was Pseudomonas. The main bacteria in the H4 period were Flavobacterium and Pseudomonas. The main bacteria in H7 and H10 periods were Flectobacillus and Pseudomonas. The abundance of Pseudomonas was stable at all developmental periods. Node bacteria such as Flectobacillus were significantly associated with the expression of various immune and metabolic genes. This study has obtained the microbial succession information of the early developmental stage of P. chinensis for the first time, and screened out the dominant bacteria and node bacteria, which will provide references and ideas for the scaled cultivation of P. chinensis fry.(为了解大银鱼早期发育过程中的微生物群落变化规律与特征，采集大银鱼胚胎期（心跳期，XT）、内源性营养期（采样时间为孵化后第1天，记为H1）、混合性营养期（孵化后第4天，H4）、开口摄食期（孵化后第7天，H7）和外源性营养期（孵化后第10天，H10）5个发育时期的样本。通过16S rRNA基因测序技术观察大银鱼早期发育过程中的微生物群落演替，尤其是摄食前后的微生物群落特征和关键菌属；并结合同批次样品的转录组数据，基于关联网络方法重点分析了与免疫和代谢相关的菌属。结果显示：大银鱼早期发育阶段各时期的β多样性存在显著差异（P＜0.001），其中，XT的优势菌群为黄杆菌属（Flavobacterium）和金黄杆菌属（Chryseobacterium）；胚后H1时期的优势菌群为假单胞菌属（Pseudomonas）；H4时期的主要菌群为黄杆菌属和假单胞菌属；H7和H10时期的主要菌群为弯曲杆菌属（Flectobacillus）和假单胞菌属。假单胞菌属在各时期中稳定存在。与多种免疫和代谢基因表达显著相关的是弯曲杆菌属等节点菌属。本研究首次获得了大银鱼早期发育阶段的微生物演替信息，同时，筛选到的优势菌属与节点菌属将为大银鱼苗种的规模化培育提供思路和参考。

Prediction of Energy Resolution in the JUNO Experiment

International audienceThis paper presents the energy resolution study in the JUNO experiment, incorporating the latest knowledge acquired during the detector construction phase. The determination of neutrino mass ordering in JUNO requires an exceptional energy resolution better than 3% at 1 MeV. To achieve this ambitious goal, significant efforts have been undertaken in the design and production of the key components of the JUNO detector. Various factors affecting the detection of inverse beta decay signals have an impact on the energy resolution, extending beyond the statistical fluctuations of the detected number of photons, such as the properties of liquid scintillator, performance of photomultiplier tubes, and the energy reconstruction algorithm. To account for these effects, a full JUNO simulation and reconstruction approach is employed. This enables the modeling of all relevant effects and the evaluation of associated inputs to accurately estimate the energy resolution. The study reveals an energy resolution of 2.95% at 1 MeV. Furthermore, the study assesses the contribution of major effects to the overall energy resolution budget. This analysis serves as a reference for interpreting future measurements of energy resolution during JUNO data taking. Moreover, it provides a guideline in comprehending the energy resolution characteristics of liquid scintillator-based detectors