Источники формирования ресурсов коммерческого банка

В статье дано определение понятий «банковские ресурсы» и «банковский капитал», рассмотрены вопросы, связанные с формированием ресурсов коммерческого банка, раскрыты их основные источники. Автором был проведен анализ депозитного портфеля на примере АО «Банк «Финансы и кредит», выявлена необходимость наращивания ресурсной базы банка, предложены мероприятия по совершенствованию процесса формирования банковских ресурсов. Ключевые слова: банк, банковские ресурсы, банковский капитал, пассивные операции банка, депозиты.У статті дано визначення понять «банківські ресурси» та «банківський капітал», розглянуті питання, пов'язані з формуванням ресурсів комерційного банку, розкрито їх основні джерела. Автором було проведено аналіз депозитного портфеля на прикладі АТ «Банк «Фінанси та кредит», виявлена необхідність нарощування ресурсної бази банку, запропоновані заходи щодо вдосконалення процесу формування банківських ресурсів. Ключові слова: банк, банківські ресурси, банківський капітал, пасивні операції банку, депозити.The article provides a definition of concepts such as "resource bank", "bank capital". This article discussed the definition of these resources by different authors. This article has been disclosed definition of passive operations of the bank. Also addressed issues related to the formation of commercial bank of resources. Were uncovered major sources of bank resources. The classification of the resource base. Sources of formation of bank resources were divided into two groups: the deposit and non-deposit. The article covers the main deposit and non-deposit sources of bank resources. The author analyzed the deposit portfolio as an example of "Bank" Finance and Credit "for the last three years. It was revealed that the strengthening of the banking institutions need to increase the resource base of banks. Availability of sufficient financial resources allows active banking operations in order to maximize profit levels and differentiation of risk. Now the formation of the resource base of commercial banks is one of the most important tasks for economic growth. There have also been proposed for improving the process of resource generation. Any bank is interested in increasing the volume of attracted deposits funds that are temporarily in his possession. Keywords: bank, bank resources, bank capital, passive operations of the bank, deposits

Approximation properties of the qq-sine bases

For $q>12/11$ the eigenfunctions of the non-linear eigenvalue problem associated to the one-dimensional $q$-Laplacian are known to form a Riesz basis of $L^2(0,1)$. We examine in this paper the approximation properties of this family of functions and its dual, in order to establish non-orthogonal spectral methods for the $p$-Poisson boundary value problem and its corresponding parabolic time evolution initial value problem. The principal objective of our analysis is the determination of optimal values of $q$ for which the best approximation is achieved for a given $p$ problem.Comment: 20 pages, 11 figures and 2 tables. We have fixed a number of typos and added references. Changed the title to better reflect the conten

Non-linear photochemical pathways in laser induced atmospheric aerosol formation

We measured the chemical composition and the size distribution of aerosols generated by femtosecond-Terawatt laser pulses in the atmosphere using an aerosol mass spectrometer (AMS). We show that nitric acid condenses in the form of ammonium nitrate, and that oxidized volatile organics also contribute to particle growth. These two components account for two thirds and one third, respectively, of the dry laser-condensed mass. They appear in two different modes centred at 380 nm and 150 nm. The number concentration of particles between 25 and 300 nm increases by a factor of 15. Pre-existing water droplets strongly increase the oxidative properties of the laser-activated atmosphere, substantially enhancing the condensation of organics under laser illumination.Comment: 19 pages, 5 figure

The influence of traffic and wood combustion on the stable isotopic composition of carbon monoxide

Carbon monoxide in the atmosphere is originating from various combustion and oxidation processes. Recently, the proportion of CO resulting from the combustion of wood for domestic heating may have increased due to political measures promoting this renewable energy source. Here, we used the stable isotope composition of CO (δ<sup>13</sup>C and δ<sup>18</sup>O) for the characterization of different CO sources in Switzerland, along with other indicators for traffic and wood combustion (NO<sub>x</sub>-concentration, aerosol light absorption at different wavelengths). We assessed diurnal variations of the isotopic composition of CO at 3 sites during winter: a village site dominated by domestic heating, a site close to a motorway and a rural site. The isotope ratios of wood combustion emissions were studied at a test facility, indicating significantly lower δ<sup>18</sup>O of CO from wood combustion compared to traffic emissions. At the village and the motorway site, we observed very pronounced diurnal δ<sup>18</sup>O-variations of CO with an amplitude of up to 8‰. Solving the isotope mass balance equation for three distinct sources (wood combustion, traffic, clean background air) resulted in diurnal patterns consistent with other indicators for wood burning and traffic. The average night-time contribution of wood-burning to total CO was 70% at the village site, 49% at the motorway site and 29% at the rural site based on the isotope mass balance. The results, however, depend strongly on the pure source isotope values, which are not very well known. We therefore additionally applied a combined CO/NO<sub>x</sub>-isotope model for verification. Here, we separated the CO emissions into different sources based on distinct CO/NO<sub>x</sub> emissions ratios for wood combustion and traffic, and inserted this information in the isotope mass balance equation. Accordingly, a highly significant agreement between measured and calculated δ<sup>18</sup>O-values of CO was found (<i>r</i>=0.67, <i>p</i><0.001). While different proxies for wood combustion all have their uncertainties, our results indicate that the oxygen isotope ratio of CO (but not the carbon isotope ratio) is an independent sensitive tool for source attribution studies

Constructing a data-driven receptor model for organic and inorganic aerosol : a synthesis analysis of eight mass spectrometric data sets from a boreal forest site

The interactions between organic and inorganic aerosol chemical components are integral to understanding and modelling climate and health-relevant aerosol physicochemical properties, such as volatility, hygroscopicity, light scattering and toxicity. This study presents a synthesis analysis for eight data sets, of non-refractory aerosol composition, measured at a boreal forest site. The measurements, performed with an aerosol mass spectrometer, cover in total around 9 months over the course of 3 years. In our statistical analysis, we use the complete organic and inorganic unit-resolution mass spectra, as opposed to the more common approach of only including the organic fraction. The analysis is based on iterative, combined use of (1) data reduction, (2) classification and (3) scaling tools, producing a data-driven chemical mass balance type of model capable of describing site-specific aerosol composition. The receptor model we constructed was able to explain 83 +/- 8% of variation in data, which increased to 96 +/- 3% when signals from low signal-to-noise variables were not considered. The resulting interpretation of an extensive set of aerosol mass spectrometric data infers seven distinct aerosol chemical components for a rural boreal forest site: ammonium sulfate (35 +/- 7% of mass), low and semi-volatile oxidised organic aerosols (27 +/- 8% and 12 +/- 7 %), biomass burning organic aerosol (11 +/- 7 %), a nitrate-containing organic aerosol type (7 +/- 2 %), ammonium nitrate (5 +/- 2 %), and hydrocarbon-like organic aerosol (3 +/- 1 %). Some of the additionally observed, rare outlier aerosol types likely emerge due to surface ionisation effects and likely represent amine compounds from an unknown source and alkaline metals from emissions of a nearby district heating plant. Compared to traditional, ionbalance-based inorganics apportionment schemes for aerosol mass spectrometer data, our statistics-based method provides an improved, more robust approach, yielding readily useful information for the modelling of submicron atmospheric aerosols physical and chemical properties. The results also shed light on the division between organic and inorganic aerosol types and dynamics of salt formation in aerosol. Equally importantly, the combined methodology exemplifies an iterative analysis, using consequent analysis steps by a combination of statistical methods. Such an approach offers new ways to home in on physicochemically sensible solutions with minimal need for a priori information or analyst interference. We therefore suggest that similar statisticsbased approaches offer significant potential for un- or semi-supervised machine-learning applications in future analyses of aerosol mass spectrometric data.Peer reviewe

Investigation of four-year chemical composition and organic aerosol sources of submicron particles at the ATOLL site in northern France

This study presents the first long-term online measurements of submicron (PM1) particles at the ATOLL (ATmospheric Observations in liLLe) platform, in northern France. The ongoing measurements using an Aerosol Chemical Speciation Monitor (ACSM) started at the end of 2016 and the analysis presented here spans through December 2020. At this site, the mean PM1 concentration is 10.6 μg m-3, dominated by organic aerosols (OA, 42.3%) and followed by nitrate (28.9%), ammonium (12.3%), sulfate (8.6%), and black carbon (BC, 8.0%). Large seasonal variations of PM1 concentrations are observed, with high concentrations during cold seasons, associated with pollution episodes (e.g. over 100 μg m-3 in January 2017). To study OA origins over this multiannual dataset we performed source apportionment analysis using rolling positive matrix factorization (PMF), yielding two primary OA factors, a traffic-related hydrocarbon-like OA (HOA) and biomass-burning OA (BBOA), and two oxygenated OA (OOA) factors. HOA showed a homogeneous contribution to OA throughout the seasons (11.8%), while BBOA varied from 8.1% (summer) to 18.5% (winter), the latter associated with residential wood combustion. The OOA factors were distinguished between their less and more oxidized fractions (LO-OOA and MO-OOA, on average contributing 32% and 42%, respectively). During winter, LO-OOA is identified as aged biomass burning, so at least half of OA is associated with wood combustion during this season. Furthermore, ammonium nitrate is also a predominant aerosol component during cold-weather pollution episodes - associated with fertilizer usage and traffic emissions. This study provides a comprehensive analysis of submicron aerosol sources at the recently established ATOLL site in northern France from multiannual observations, depicting a complex interaction between anthropogenic and natural sources, leading to different mechanisms of air quality degradation in the region across different seasons

Organic Aerosol source apportionment in London 2013 with ME-2:Exploring the solution space with annual and seasonal analysis

The multilinear engine (ME-2) factorization tool is being widely used following the recent development of the Source Finder (SoFi) interface at the Paul Scherrer Institute. However, the success of this tool, when using the <i>a</i> value approach, largely depends on the inputs (i.e. target profiles) applied as well as the experience of the user. A strategy to explore the solution space is proposed, in which the solution that best describes the organic aerosol (OA) sources is determined according to the systematic application of predefined statistical tests. This includes trilinear regression, which proves to be a useful tool for comparing different ME-2 solutions. Aerosol Chemical Speciation Monitor (ACSM) measurements were carried out at the urban background site of North Kensington, London from March to December 2013, where for the first time the behaviour of OA sources and their possible environmental implications were studied using an ACSM. Five OA sources were identified: biomass burning OA (BBOA), hydrocarbon-like OA (HOA), cooking OA (COA), semivolatile oxygenated OA (SVOOA) and low-volatility oxygenated OA (LVOOA). ME-2 analysis of the seasonal data sets (spring, summer and autumn) showed a higher variability in the OA sources that was not detected in the combined March–December data set; this variability was explored with the triangle plots <i>f</i>44 : <i>f</i>43 <i>f</i>44 : <i>f</i>60, in which a high variation of SVOOA relative to LVOOA was observed in the <i>f</i>44 : <i>f</i>43 analysis. Hence, it was possible to conclude that, when performing source apportionment to long-term measurements, important information may be lost and this analysis should be done to short periods of time, such as seasonally. Further analysis on the atmospheric implications of these OA sources was carried out, identifying evidence of the possible contribution of heavy-duty diesel vehicles to air pollution during weekdays compared to those fuelled by petrol

Constraining a hybrid volatility basis-set model for aging of wood-burning emissions using smog chamber experiments : A box-model study based on the VBS scheme of the CAMx model (v5.40)

In this study, novel wood combustion aging experiments performed at different temperatures (263 and 288 K) in a ∼ 7 m³ smog chamber were modelled using a hybrid volatility basis set (VBS) box model, representing the emission partitioning and their oxidation against OH. We combine aerosol–chemistry box-model simulations with unprecedented measurements of non-traditional volatile organic compounds (NTVOCs) from a high-resolution proton transfer reaction mass spectrometer (PTR-MS) and with organic aerosol measurements from an aerosol mass spectrometer (AMS). Due to this, we are able to observationally constrain the amounts of different NTVOC aerosol precursors (in the model) relative to low volatility and semi-volatile primary organic material (OM$_{sv}$), which is partitioned based on current published volatility distribution data. By comparing the NTVOC ∕ OM$_{sv}$ ratios at different temperatures, we determine the enthalpies of vaporization of primary biomass-burning organic aerosols. Further, the developed model allows for evaluating the evolution of oxidation products of the semi-volatile and volatile precursors with aging. More than 30 000 box-model simulations were performed to retrieve the combination of parameters that best fit the observed organic aerosol mass and O : C ratios. The parameters investigated include the NTVOC reaction rates and yields as well as enthalpies of vaporization and the O : C of secondary organic aerosol surrogates. Our results suggest an average ratio of NTVOCs to the sum of non-volatile and semi-volatile organic compounds of ∼ 4.75. The mass yields of these compounds determined for a wide range of atmospherically relevant temperatures and organic aerosol (OA) concentrations were predicted to vary between 8 and 30 % after 5 h of continuous aging. Based on the reaction scheme used, reaction rates of the NTVOC mixture range from 3.0 × 10$^{-11}$ to 4. 0 × 10$^{-11}$ cm³ molec$^{-1}$ s$^{-1}$. The average enthalpy of vaporization of secondary organic aerosol (SOA) surrogates was determined to be between 55 000 and 35 000 J mol$^{-1}$, which implies a yield increase of 0.03-0.06 % K$^{-1}$ with decreasing temperature. The improved VBS scheme is suitable for implementation into chemical transport models to predict the burden and oxidation state of primary and secondary biomass-burning aerosols

Application of mobile aerosol and trace gas measurements for the investigation of megacity air pollution emissions: the Paris metropolitan area

For the investigation of megacity emission development and the impact outside the source region, mobile aerosol and trace gas measurements were carried out in the Paris metropolitan area between 1 July and 31 July 2009 (summer conditions) and 15 January and 15 February 2010 (winter conditions) in the framework of the European Union FP7 MEGAPOLI project. Two mobile laboratories, MoLa and MOSQUITA, were deployed, and here an overview of these measurements and an investigation of the applicability of such measurements for the analysis of megacity emissions are presented. Both laboratories measured physical and chemical properties of fine and ultrafine aerosol particles as well as gas phase constituents of relevance for urban pollution scenarios. The applied measurement strategies include cross-section measurements for the investigation of plume structure and quasi-Lagrangian measurements axially along the flow of the city's pollution plume to study plume aging processes. Results of intercomparison measurements between the two mobile laboratories represent the adopted data quality assurance procedures. Most of the compared measurement devices show sufficient agreement for combined data analysis. For the removal of data contaminated by local pollution emissions a video tape analysis method was applied. Analysis tools like positive matrix factorization and peak integration by key analysis applied to high-resolution time-of-flight aerosol mass spectrometer data are used for in-depth data analysis of the organic particulate matter. Several examples, including a combination of MoLa and MOSQUITA measurements on a cross section through the Paris emission plume, are provided to demonstrate how such mobile measurements can be used to investigate the emissions of a megacity. A critical discussion of advantages and limitations of mobile measurements for the investigation of megacity emissions completes this work

Random attractors for degenerate stochastic partial differential equations

We prove the existence of random attractors for a large class of degenerate stochastic partial differential equations (SPDE) perturbed by joint additive Wiener noise and real, linear multiplicative Brownian noise, assuming only the standard assumptions of the variational approach to SPDE with compact embeddings in the associated Gelfand triple. This allows spatially much rougher noise than in known results. The approach is based on a construction of strictly stationary solutions to related strongly monotone SPDE. Applications include stochastic generalized porous media equations, stochastic generalized degenerate p-Laplace equations and stochastic reaction diffusion equations. For perturbed, degenerate p-Laplace equations we prove that the deterministic, infinite dimensional attractor collapses to a single random point if enough noise is added.Comment: 34 pages; The final publication is available at http://link.springer.com/article/10.1007%2Fs10884-013-9294-