Формирование и продвижение кредитных продуктов и услуг

Кредитная услуга - одна из составляющих кредитной политики банка. Стремление к максимальному получению прибыли от ее предоставления и увеличению потока клиентов приводит к созданию комплекса (совокупности) услуг, а именно - кредитному продукту. Изучив интересы хозяйствующих субъектов, их потребности, банк может более точно разрабатывать приоритеты кредитной политики во взаимоотношениях с реальным сектором экономики. Обратная зависимость этого фактора - создание конкретного кредитного продукта и построение системы продвижения кредитных услуг, которая призвана осуществлять анализ, диагностику текущей ситуации, обеспечение взаимодействия между банками, нацелить взаимоотношения банка и заемщика на долгосрочную перспективу

Rasch analysis of the Patient and Observer Scar Assessment Scale (POSAS) in burn scars

The Patient and Observer Scar Assessment Scale (POSAS) is a questionnaire that was developed to assess scar quality. It consists of two separate six-item scales (Observer Scale and Patient Scale), both of which are scored on a 10-point rating scale. After many years of experience with this scale in burn scar assessment, it is appropriate to examine its psychometric properties using Rasch analysis. Cross-sectional data collection from seven clinical trials resulted in a data set of 1,629 observer scores and 1,427 patient scores of burn scars. We examined the person-item map, item fit statistics, reliability, response category ordering, and dimensionality of the POSAS. The POSAS showed an adequate fit to the Rasch model, except for the item surface area. Person reliability of the Observer Scale and Patient Scale was 0.82 and 0.77, respectively. Dimensionality analysis revealed that the unexplained variance by the first contrast of both scales was 1.7 units. Spearman correlation between the Observer Scale Rasch measure and the overall opinion of the clinician was 0.75. The Rasch model demonstrated that the POSAS is a reliable and valid scale that measures the single-construct scar qualit

Partial motivation, multiple motivation: the role of output schemas in morphology

Theoretical and Experimental Linguistic

Lawson criterion for ignition exceeded in an inertial fusion experiment

For more than half a century, researchers around the world have been engaged in attempts to achieve fusion ignition as a proof of principle of various fusion concepts. Following the Lawson criterion, an ignited plasma is one where the fusion heating power is high enough to overcome all the physical processes that cool the fusion plasma, creating a positive thermodynamic feedback loop with rapidly increasing temperature. In inertially confined fusion, ignition is a state where the fusion plasma can begin "burn propagation" into surrounding cold fuel, enabling the possibility of high energy gain. While "scientific breakeven" (i.e., unity target gain) has not yet been achieved (here target gain is 0.72, 1.37 MJ of fusion for 1.92 MJ of laser energy), this Letter reports the first controlled fusion experiment, using laser indirect drive, on the National Ignition Facility to produce capsule gain (here 5.8) and reach ignition by nine different formulations of the Lawson criterion

Data for: Associations between traumatic stress symptoms, pain and bio-active components in burn wounds

Correlational associations between pain, acute traumatic stress, oxytocin and cytokine

Psychological distress in ethnic minority parents of preschool children with burns

Background: Literature indicates that children from ethnic minorities are at increased risk of sustaining burns. Moreover, parents may experience more psychological distress but why this is the case is poorly investigated. Methods: A prospective study including 120 mothers and 106 fathers of preschool children, of which 23 mothers and 24 fathers had an ethnic minority background, investigated levels of parental feelings of guilt, depressive and posttraumatic stress symptoms and compared Dutch parents with parents from different ethnic backgrounds on these outcomes. A qualitative study with 46 parents, 24 Dutch and 22 from different ethnic minority backgrounds, explored how they coped with the consequences of the burns. Results: Results revealed more symptoms of posttraumatic stress and depression in ethnic minority parents. Ethnic minority fathers also had more guilt feelings. Lower social support, medical communication hampered by language barriers, lower health literacy and passive communication styles, (aspects of) religious coping and barriers to psychosocial care may partly explain the differences. Conclusions: Parents with an ethnic minority background are at risk to experience increased distress after their child's burn injury. By exploring the aforementioned factors, health care professionals may increase the family's wellbeing. It may provide a starting point to offer tailored help

Psychological distress in ethnic minority parents of preschool children with burns

Background: Literature indicates that children from ethnic minorities are at increased risk of sustaining burns. Moreover, parents may experience more psychological distress but why this is the case is poorly investigated. Methods: A prospective study including 120 mothers and 106 fathers of preschool children, of which 23 mothers and 24 fathers had an ethnic minority background, investigated levels of parental feelings of guilt, depressive and posttraumatic stress symptoms and compared Dutch parents with parents from different ethnic backgrounds on these outcomes. A qualitative study with 46 parents, 24 Dutch and 22 from different ethnic minority backgrounds, explored how they coped with the consequences of the burns. Results: Results revealed more symptoms of posttraumatic stress and depression in ethnic minority parents. Ethnic minority fathers also had more guilt feelings. Lower social support, medical communication hampered by language barriers, lower health literacy and passive communication styles, (aspects of) religious coping and barriers to psychosocial care may partly explain the differences. Conclusions: Parents with an ethnic minority background are at risk to experience increased distress after their child's burn injury. By exploring the aforementioned factors, health care professionals may increase the family's wellbeing. It may provide a starting point to offer tailored help