Bank Credit Strategy Model Based on AHP-Fuzzy Comprehensive Evaluation

Credit risk control and credit strategy formulation of medium and micro enterprises have always been important strategic issues faced by commercial banks. Banks usually make corporate loan policies based on the credit degree, the information of trading bills and the relationship of supply-demand chain of the enterprise. In this paper, we established the AHP-Fuzzy comprehensive evaluation model for quantifying enterprise credit risk. Based on the relevant data of 123 enterprises with credit records, the credit strategy is formulated according to the three indicators of enterprise strength, enterprise reputation and stability of supply-demand relationship. This paper also combines the credit reputation, credit risk and supply and demand stability rating in order to establish the bank credit strategic planning model to decide whether to lend or not and the lending order. The conclusion shows that, under the condition of constant total loan amount, the enterprises with the highest credit rating should be given priority. Then, combined with the change of customer turnover rate with interest rate, we take the bank's maximize expected income as objective to calculate the optimal loan interest rate of different customer groups

Synthesis of a novel oligomeric intumescent flame retardant and its application in polypropylene

A novel oligomeric phosphorous-nitrogen containing intumescent flame retardant, poly (4,4-diamino diphenyl methane-O-bicycli pentaerythritol phosphate-phosphate) (PDBPP), was synthesized and characterized. Thermal stability and flammability properties of polypropylene (PP)/PDBPP composites with various PDBPP loading were investigated by thermogravimetric analysis (TGA), limited oxygen index (LOI), and cone calorimeter, respectively. The results showed that the incorporation of PDBPP could improve both the thermal stability and flame retardancy of PP considerably. PP/30%PDBPP system had a LOI value of 28 and its peak heat release rate was reduced by 60% relative to pure PP. Infrared spectrum and field emission scanning electron microscope measurements revealed that PDBPP and PP/PDBPP composites would form a continuous multicellular char layer containing phosphoric acid when exposed to elevated temperature. It was suggested that the very char layer was responsible for the enhanced thermal stability and improved flame retardancy

3D map construction of coal mine roadway mobile robot based on integrated factor graph optimization

The working precision of mobile robots in coal mines seriously depends on the accuracy of simultaneous localization and mapping (SLAM) technology. There are some problems such as feature missing and poor lighting conditions in long and straight underground roadway. The problems lead to the failure of the laser odometer and visual odometer. The result limits the effective application of traditional SLAM method in coal mine roadway. At present, the research of the SLAM method mainly focuses on the multi-sensor fusion mapping method. There is a lack of research on the improvement of the mapping precision of the laser SLAM method. In order to solve the above problems, facing the mapping requirements of mobile robot in coal mine roadway, a 3D map construction method of coal mine roadway mobile robot based on integrated factor graph optimization is proposed. The method adopts the strategy of front-end construction and back-end optimization. The method designs a front-end point cloud registration module and a back-end construction method based on filtering and graph optimization. Therefore, the mapping result is more accurate and adaptable. The environmental degradation in coal mine long and straight roadway leads to the low registration precision of 3D laser point cloud. In order to solve the above problem, integrating iterative closest point (ICP) and normal-distributions transform (NDT) algorithms, taking into account the geometric characteristics and probability distribution characteristics of point clouds, an integrated front-end point cloud registration module is designed, which realizes the accurate registration of point clouds. Inview of the back-end optimization problem of 3D laser SLAM, the back-end construction method based on pose map and factor map optimization is studied. The factor map optimization model integrating ICP and NDT relative pose factors is constructed to accurately estimate the pose of the mobile robot. The performance of the proposed method of 3D map construction under different working conditions is verified by using the open dataset KITTI and the simulated roadway point cloud dataset. The experimental results on the open dataset KITTI show the following points. In terms of global consistency, this method has similar performance with the traditional A-LOAM method based on feature point matching and the LeGO-LOAM method based on plane segmentation and feature point extraction. It is superior to the other two methods in the local precision of mapping. The experimental results on the simulated roadway point cloud dataset show the following points. This method has significant advantages, through factor map optimization, a 3D map with high consistency can be obtained. The precision and robustness of 3D map construction of coal mine roadway are improved. The problems of the feature point missing and laser odometer failure in long straight underground roadway are solved

Cu-Induced [H6W12O42](6-) polyoxometalate-based bimetallic cluster formation for renewable biomass inulin hydrolysis toward fructose production

Herein, a novel 3D open bimetallic Cu-3[H6W12O42] cluster was designed as an effective solid acid catalyst for the hydrolysis of renewable biomass inulin by heterogeneous catalytic reaction towards fructose production with a high inulin conversion (similar to 100%) and fructose selectivity (similar to 90%) at low temperatures under aqueous condition with economic feasibility

An algorithm for extracting groove rail area based on improved Hough transform

In order to improve the accuracy and real-time performance of the automatic cleaning of groove rails in modern trams, this paper proposes a groove rail region extraction algorithm based on improved Hough transform. First, in order to speed up the detection and remove noise, the algorithm performs a series of pre-processing on the images collected by the camera, and then use the Canny edge detection method to extract the edge feature information of the groove rail. Finally, the algorithm is improved on the basis of the traditional Hough transform method according to the actual environment. The algorithm proposes three constraints from the straight line length, the slope of the straight line and the distance between the left and right edges, making the algorithm more feasible and accurate in extracting groove rail area. The extraction accuracy reached 97.9%, and the average extraction speed was 0.1903s, laying the foundation for the automatic cleaning of trough rails of modern trams

Determination of the Novel Insecticide Flupyradifurone and Its Two Metabolites in Traditional Chinese Herbal Medicines Using Modified QuEChERS and High-Performance Liquid Chromatography-Tandem Mass Spectrometry

In this study, an analytical method for the simultaneous determination of the novel insecticide flupyradifurone and its two metabolites in a variety of traditional Chinese herbal medicines was developed for the first time using high-performance liquid chromatography-tandem mass spectrometry. A simple and efficient method using dispersive solid-phase extraction was employed for the pretreatment of the samples. Several extractions and cleanup strategies were evaluated. The recoveries (n = 15) of flupyradifurone and its metabolites at three spiking levels were in the range 71.3%–101.7%, with corresponding intraday and interday relative standard deviations of 1.1%–14.8%. The limits of quantitation were 0.01 mg/kg for flupyradifurone and 0.1 mg/kg for its two metabolites. Overall, our developed method was sensitive and reliable for the fast screening of flupyradifurone and its two metabolites in traditional Chinese herbal medicine samples

Dissipation, Processing Factors and Dietary Risk Assessment for Flupyradifurone Residues in Ginseng

The massive use of pesticides has brought great risks to food and environmental safety. It is necessary to develop reliable analytical methods and evaluate risks through monitoring studies. Here, a method was used for the simultaneous determination of flupyradifurone (FPF) and its two metabolites in fresh ginseng, dried ginseng, ginseng plants, and soil. The method exhibited good accuracy (recoveries of 72.8–97.5%) and precision (relative standard deviations of 1.1–8.5%). The field experiments demonstrated that FPF had half-lives of 4.5–7.9 d and 10.0–16.9 d in ginseng plants and soil, respectively. The concentrations of total terminal residues in soil, ginseng plants, dried ginseng, and ginseng were less than 0.516, 2.623, 2.363, and 0.641 mg/kg, respectively. Based on these results, the soil environmental risk assessment shows that the environmental risk of FPF to soil organisms is acceptable. The processing factors for FPF residues in ginseng were 3.82–4.59, indicating that the concentration of residues increased in ginseng after drying. A dietary risk assessment showed that the risk of FPF residues from long-term and short-term dietary exposures to global consumers were 0.1–0.4% and 12.07–13.16%, respectively, indicating that the application of FPF to ginseng at the recommended dose does not pose a significant risk to consumers