Информационная система учета и анализа деятельности микрокредитной организации «Дос-Бай»

В период тяжелых экономических ситуаций в стране большее количество граждан ищут способы пополнить свою бюджет с помощью займов, усугубляет ситуацию и низкий рост заработной платы, относительно роста инфляции. В связи с этим растет роль микрокредитных организаций на рынке финансов.In a period of difficult economic situations in the country, more citizens are looking for ways to replenish their budget with loans, exacerbates the situation and low wage growth, relative to inflation. In this regard, the role of microcredit organizations in the financial market is growing

The cross-sectional GRAS sample: A comprehensive phenotypical data collection of schizophrenic patients

<p>Abstract</p> <p>Background</p> <p>Schizophrenia is the collective term for an exclusively clinically diagnosed, heterogeneous group of mental disorders with still obscure biological roots. Based on the assumption that valuable information about relevant genetic and environmental disease mechanisms can be obtained by association studies on patient cohorts of ≥ 1000 patients, if performed on detailed clinical datasets and quantifiable biological readouts, we generated a new schizophrenia data base, the GRAS (Göttingen Research Association for Schizophrenia) data collection. GRAS is the necessary ground to study genetic causes of the schizophrenic phenotype in a 'phenotype-based genetic association study' (PGAS). This approach is different from and complementary to the genome-wide association studies (GWAS) on schizophrenia.</p> <p>Methods</p> <p>For this purpose, 1085 patients were recruited between 2005 and 2010 by an invariable team of traveling investigators in a cross-sectional field study that comprised 23 German psychiatric hospitals. Additionally, chart records and discharge letters of all patients were collected.</p> <p>Results</p> <p>The corresponding dataset extracted and presented in form of an overview here, comprises biographic information, disease history, medication including side effects, and results of comprehensive cross-sectional psychopathological, neuropsychological, and neurological examinations. With >3000 data points per schizophrenic subject, this data base of living patients, who are also accessible for follow-up studies, provides a wide-ranging and standardized phenotype characterization of as yet unprecedented detail.</p> <p>Conclusions</p> <p>The GRAS data base will serve as prerequisite for PGAS, a novel approach to better understanding 'the schizophrenias' through exploring the contribution of genetic variation to the schizophrenic phenotypes.</p

Genetic associations at 53 loci highlight cell types and biological pathways relevant for kidney function.

Reduced glomerular filtration rate defines chronic kidney disease and is associated with cardiovascular and all-cause mortality. We conducted a meta-analysis of genome-wide association studies for estimated glomerular filtration rate (eGFR), combining data across 133,413 individuals with replication in up to 42,166 individuals. We identify 24 new and confirm 29 previously identified loci. Of these 53 loci, 19 associate with eGFR among individuals with diabetes. Using bioinformatics, we show that identified genes at eGFR loci are enriched for expression in kidney tissues and in pathways relevant for kidney development and transmembrane transporter activity, kidney structure, and regulation of glucose metabolism. Chromatin state mapping and DNase I hypersensitivity analyses across adult tissues demonstrate preferential mapping of associated variants to regulatory regions in kidney but not extra-renal tissues. These findings suggest that genetic determinants of eGFR are mediated largely through direct effects within the kidney and highlight important cell types and biological pathways

The subprime crisis and its consequences

Having started by describing the background to the crisis, the paper considers priorities for action by the financial industry, being: (1) improved transparency; (2) review valuation issues, notably the distinctions between IFRS and US GAAP on asset reclassification; (3) better risk management, with an appropriate mix of quantitative and qualitative metrics; (4) Improved market infrastructure, perhaps including a central counterparty for OTC derivatives; (5) an external review of ratings agencies' processes; (6) enhanced liquidity risk management. An assessment of the measures taken by central banks to allay the crisis follows, and we conclude with an analysis of the strategic consequences for the financial industry.Transparency Risk management Liquidity Valuation of complex financial products Original and distribute model

The new architecture of financial regulation: Will it prevent another crisis?

No Abstract is available.

Magnetic Resonance Techniques to Study Porous Electrodes and Electrode Surfaces

Nuclear Magnetic Resonance (NMR) is a unique analytical tool to study molecular properties of various materials indestructively. Observable parameters include chemical structure, molecular motion, diffusion and various exchange processes. Moreover, these parameters may be resolved spatially over a region of interest with a resolution up to 50 µm employing Magnetic Resonance Imaging (MRI). Fundamental elements in MR techniques are magnetic fields and radio frequency irradiation.Thus, NMR is an attractive tool to study chemical processes in and at porous electrodes. Such electrodes are employed to convert electrical energy to chemical energy. A detailed understanding of the processes occurring during electrolysis is key to a rational approach in efficiency optimization.However, electrically conductive materials pose additional challenges in NMR: i) NMR measurements need to be performed at particular frequencies and the resonance mode of the sensor coil must be adjusted accordingly. Introduction of conductive samples in the sensor coil strongly shift its resonance mode and often render commercial probes untunable. Thus, custom probe head designs offering a large tuning range are needed. ii) Radio frequency eddy currents in conductive materials distort the exciting field.iii) The radio frequency response from the sample is distorted in the same way as the exciting field.This talk provides an introduction into NMR on electrically conductive samples. The effect of mode shifts upon sample change and its implications are discussed. Using different model systems, distortions in the exciting radio frequency field are visualized. The strength of these distortions is analyzed with respect to material type and thickness. It is shown that thin metal layers neither significantly perturb qualitative information in NMR spectra, nor relaxometric or diffusometric information. It is shown that radio frequency field distortion can be advantageous as an additional spectroscopic dimension, although most often regarded as a nuisance in literature