The effects of lender-borrower communication on P2P lending outcomes

Conference Theme: Exploring the Information FrontierLenders face great uncertainty because of the information asymmetry problem in peerto-peer (P2P) marketplaces. This paper studies an online feature on a P2P platform, which allows lenders to seek information directly from the borrower of a loan, and examines the impact of the direct lender-borrower communication on the funding outcomes and the loan performance. Our analysis results show that the number of lender comments is negatively associated with funding success. This implies that as a listing receives more comments from lenders, the chance of getting funded is lower. On the other hand, the number of borrower responses and response length are positively associated with funding success, although they cannot help reduce the final interest rate. The role of borrower response is even stronger for listings with poor credit grades. The loan performance (i.e., default ratio), however, cannot be predicted based on the amount of lender-borrower communication.postprin

A compact threshold-voltage model of MOSFETs with stack high-k gate dielectric

In this paper, a compact threshold-voltage model is developed for stack high-k gate-dielectric MOSFET with a thin interiayer. The simulated results are in good agreement with 2-D simulations. The influences of k value of the interlayer on threshold behaviors are investigated in detail. A low-k interlayer can effectively improve the threshold-voltage behaviors. Furthermore, the ratio of low-k interiayer EOT (equivalent oxide thickness) to high-k layer EOT is optimized by considering both threshold-voltage roll-off and gate leakage current. ©2009 IEEE.published_or_final_versionThe IEEE International Conference of Electron Devices and Solid-State Circuits (EDSSC 2009), Xian, China, 25-27 December 2009. In Proceedings of EDSSC, 2009, p. 236-23

Two Leucine-Rich Repeat Receptor Kinases Mediate Signaling, Linking Cell Wall Biosynthesis and ACC Synthase in Arabidopsis

The plant cell wall is a dynamic structure that changes in response to developmental and environmental cues through poorly understood signaling pathways. We identified two Leu-rich repeat receptor-like kinases in Arabidopsis thaliana that play a role in regulating cell wall function. Mutations in these FEI1 and FEI2 genes (named for the Chinese word for fat) disrupt anisotropic expansion and the synthesis of cell wall polymers and act additively with inhibitors or mutations disrupting cellulose biosynthesis. While FEI1 is an active protein kinase, a kinase-inactive version of FEI1 was able to fully complement the fei1 fei2 mutant. The expansion defect in fei1 fei2 roots was suppressed by inhibition of 1-aminocyclopropane-1-carboxylic acid (ACC) synthase, an enzyme that converts Ado-Met to ACC in ethylene biosynthesis, but not by disruption of the ethylene response pathway. Furthermore, the FEI proteins interact directly with ACC synthase. These results suggest that the FEI proteins define a novel signaling pathway that regulates cell wall function, likely via an ACC-mediated signal

Inhibitory Effect of Polysaccharides from Scutellaria barbata D. Don on Invasion and Metastasis of 95-D Cells Lines via Regulation of C-MET and E-CAD Expressions

Purpose: To investigate the inhibitory effect of polysaccharides from Scutellaria barbata (PSB) on invasion and metastasis of lung cancer, and study the possible mechanism.Methods: PSB was extracted with water and by alcohol precipitation, and purified by DEAE-52 column chromatography. A highly invasive and metastatic lung carcinoma cell, 95-D cell line, was used for the study. Cell adhesion and invasion assays in vitro were performed to evaluate the anti-invasive and antimetastatic effects of PSB (50 - 200 μg/ml) on 95-D cell. Immunocytochemical staining and Western blot techniques were employed to study the regulatory effects of PSB on the expression of C-MET and ECAD.Results: The results indicate that PSB significantly inhibited cell invasion and migration of 95-D in a concentration-dependent manner (p < 0.05). The adhesion of 95-D cells to fibronectin was also inhibited by PSB (p < 0.05). The expression of C-MET and E-CAD in 95-D cells treated with PSB were significantly down-regulated and up-regulated, respectivelt (p < 0.05).Conclusion: Treatment with PSB can significantly inhibit the invasion and metastasis of 95-D cells in vitro, probably through the regulation of C-MET and E-CAD.Keywords: Polysaccharide, Scutellaria barbata, 95-D cell lines, Invasion, Metastasi

Crime data mining: A general framework and some examples

A general framework for crime data mining that draws on experience gained with the Coplink project at the University of Arizona is presented. By increasing efficiency and reducing errors, this scheme facilitates police work and enables investigators to allocate their time to other valuable tasks.published_or_final_versio

Comparison and Uniqueness Results for the Periodic Boundary Value Problem for Linear First-Order Differential Equations Subject to a Functional Perturbation

This is a post-peer-review, pre-copyedit version of a chapter published in Area I. et al. (eds) Nonlinear Analysis and Boundary Value Problems. NABVP 2018. Springer Proceedings in Mathematics & Statistics, vol 292. Springer, Cham. The final authenticated version is available online at: https://doi.org/10.1007/978-3-030-26987-6_14We improve some comparison results for the periodic boundary value problem related to a first-order differential equation perturbed by a functional term. The comparison results presented cover many cases as differential equations with delay, differential equations with maxima and integro-differential equations. The interesting case of functional perturbation with piecewise constant arguments is also analyzed

Understanding Cross National Difference in Knowledge Seeking Behavior Model: A Survival Perspective

Electronic Knowledge Repository (EKR) is one of the most commonly deployed knowledge management technologies, yet its success is hindered by employees’ underutilization and further complicated when implemented in the multinational context. To address these challenges, we propose a research model by conceptualizing employees’ knowledge seeking via EKR as a survival-centric behavior, identifying the technology acceptance model as the individual-level explanation for EKR use, and drawing on the thermal demands-resources theory for explaining cross national behavioral differences. Using hierarchical linear modeling, we tested the model with data from 1352 randomly sampled knowledge workers across 30 nations. The results reveal interesting cross national behavioral patterns. Specifically, thermal climates and national wealth at the macro-level interactively moderate individual-level relationships between perceived ease of use and perceived usefulness and between perceived usefulness and behavioral intention

Heterogeneous activation of peroxymonosulfate by a biochar-supported Co3O4 composite for efficient degradation of chloramphenicols

Herein, a new peroxymonosulfate (PMS) activation system was established using a biochar (BC)-supported Co3O4 composite (Co3O4-BC) as a catalyst to enhance chloramphenicols degradation. The effects of the amount of Co3O4 load on the BC, Co3O4-BC amount, PMS dose and solution pH on the degradation of chloramphenicol (CAP) were investigated. The results showed that the BC support could well disperse Co3O4 particles. The degradation of CAP (30 mg/L) was enhanced in the Co3O4-BC/PMS system with the apparent degradation rate constant increased to 5.1, 19.4 and 7.2 times of that in the Co3O4/PMS, BC/PMS and PMS-alone control systems, respectively. Nearly complete removal of CAP was achieved in the Co3O4-BC/PMS system under the optimum conditions of 10 wt% Co3O4 loading on BC, 0.2 g/L. Co3O4-BC, 10 mM PMS and pH 7 within 10 min. The Co3O4/BC composites had a synergistic effect on the catalytic activity possibly because the conducting BC promoted electron transfer between the Co species and HSO5- and thus accelerated the Co3+/Co(2+)redox cycle. Additionally, over 85.0 +/- 1.5% of CAP was still removed in the 10th run. Although both SO4 center dot- and OH center dot were identified as the main active species, SO4 center dot- played a dominant role in CAP degradation. In addition, two other chloramphenicols, i.e., florfenicol (FF) and thiamphenicol (TAP), were also effectively degraded with percentages of 86.4 +/- 13% and 71.8 +/- 1.0%, respectively. This study provides a promising catalyst Co3O4-BC to activate PMS for efficient and persistent antibiotics degradation. (C) 2019 Elsevier Ltd. All rights reserved

Topical Diclofenac Solution for Osteoarthritis of the Knee: An Updated Meta-Analysis of Randomized Controlled Trials.

This study was performed to assess the efficacy and safety of a topical diclofenac solution in patients with knee osteoarthritis (OA). PubMed, Embase, Cochrane Library, Web of Science, and Scopus databases were searched for randomized controlled trials until June 2020. The WOMAC pain, stiffness, physical function subscales, pain on walking, and the occurrence of adverse events were pooled to comprehensively analyse the efficacy and safety of topical diclofenac solution. All statistical analyses were conducted using Review Manager 5.3 software. Five RCTs were included, which provided high-quality evidence. In comparison to the vehicle control, the mean differences for WOMAC pain, stiffness, and physical function subscales, as well as pain on walking, were all statistically significant in favor of topical diclofenac solution. The safety of topical diclofenac solution was similar to the vehicle control, apart from adverse events involving application-site skin reactions. Topical diclofenac solution is effective and safe for use in patients with knee OA, but may cause minor skin reactions

ARID5B (AT rich interactive domain 5B (MRF1-like))

Review on ARID5B, with data on DNA/RNA, on the protein encoded and where the gene is implicated