Judging Online Peer-To-Peer Lending Behavior: An Integration of Dual System Framework and Two-Factor Theory

The past decade has witnessed a growing number of business models that facilitate economic exchanges between individuals with limited institutional mediation. One of the important innovative business models is online peer-to-peer (P2P) lending, which has received widely attention from government, industry, investors, and researchers. Based on dual system framework and two-factor theory, this research proposes a research model to investigate the role of various signals from the P2P platform in affecting lender’s investment decisions. With data collected from PPDAI, a popular Chinese P2P lending site, we test the proposed model with logistic regression and hierarchical linear model. The results reveal that most of the factors perform significantly in lenders’ decision making. We also find the specific information of an auction itself is more important than borrower’s characteristics to a large degree. Finally, the research emphasizes that bid number performs well in moderating most of the relationships between variables

Ultra-broadband and compact 2×\times2 3-dB silicon adiabatic coupler based on supermode-injected adjoint shape optimization

The 2$\times$2 3-dB couplers are one of the most widely used and important components in silicon photonics. We propose an ultra-broadband and compact 2$\times$2 3-dB adiabatic coupler defined by b-splines and optimized with an efficient supermode-injected adjoint shape optimization. By employing mode adiabatic evolution and mode coupling at two different wavelength ranges, respectively, we achieve an ultra-broad bandwidth of 530 nm from 1150nm to1680nm with a power imbalance below $\pm$0.76 dB in a compact coupling length of 30 $\mu m$ according to our simulation results. The supermode-injected adjoint shape optimization can also be applied to the design of other photonic devices based on supermode manipulation

Nonlinear Transport of Graphene in the Quantum Hall Regime

We have studied the breakdown of the integer quantum Hall (QH) effect with fully broken symmetry, in an ultra-high mobility graphene device sandwiched between two single crystal hexagonal boron nitride substrates. The evolution and stabilities of the QH states are studied quantitatively through the nonlinear transport with dc Hall voltage bias. The mechanism of the QH breakdown in graphene and the movement of the Fermi energy with the electrical Hall field are discussed. This is the first study in which the stabilities of fully symmetry broken QH states are probed all together. Our results raise the possibility that the v=6 states might be a better target for the quantum resistance standard.Comment: 15 pages,6 figure

RRSR:Reciprocal Reference-based Image Super-Resolution with Progressive Feature Alignment and Selection

Reference-based image super-resolution (RefSR) is a promising SR branch and has shown great potential in overcoming the limitations of single image super-resolution. While previous state-of-the-art RefSR methods mainly focus on improving the efficacy and robustness of reference feature transfer, it is generally overlooked that a well reconstructed SR image should enable better SR reconstruction for its similar LR images when it is referred to as. Therefore, in this work, we propose a reciprocal learning framework that can appropriately leverage such a fact to reinforce the learning of a RefSR network. Besides, we deliberately design a progressive feature alignment and selection module for further improving the RefSR task. The newly proposed module aligns reference-input images at multi-scale feature spaces and performs reference-aware feature selection in a progressive manner, thus more precise reference features can be transferred into the input features and the network capability is enhanced. Our reciprocal learning paradigm is model-agnostic and it can be applied to arbitrary RefSR models. We empirically show that multiple recent state-of-the-art RefSR models can be consistently improved with our reciprocal learning paradigm. Furthermore, our proposed model together with the reciprocal learning strategy sets new state-of-the-art performances on multiple benchmarks.Comment: 8 figures, 17 page

A Nonlinear Crack Model for Concrete Structure based on an Extended Scaled Boundary Finite Element Method

Fracture mechanics is one of the most important approaches to structural safety analysis. Modeling the fracture process zone (FPZ) is critical to understand the nonlinear cracking behavior of heterogeneous quasi-brittle materials such as concrete. In this work, a nonlinear extended scaled boundary finite element method (X-SBFEM) was developed incorporating the cohesive fracture behavior of concrete. This newly developed model consists of an iterative procedure to accurately model the traction distribution within the FPZ accounting for the cohesive interactions between crack surfaces. Numerical validations were conducted on both of the concrete beam and dam structures with various loading conditions. The results show that the proposed nonlinear X-SBFEM is capable of modeling the nonlinear fracture propagation process considering the effect of cohesive interactions, thereby yielding higher precisions than the linear X-SBFEM approach

Analysis of relationship among visual evoked potential, oscillatory potential and visual acuity under stimulated weightlessness

AIM: To observe the influence of head-down tilt simulated weightlessness on visual evoked potential(VEP), oscillatory potentials(OPs)and visual acuity, and analyse the relationship among them. METHODS: Head-down tilt for -6° was adopted in 14 healthy volunteers. Distant visual acuity, near visual acuity, VEP and OPs were recorded before, two days and five days after trial. The record procedure of OPs followed the ISCEV standard for full-field clinical electroretinography(2008 update). RESULTS: Significant differences were detected in the amplitude of P100 waves and ∑OPs among various time points(P<0.05). But no relationship was observed among VEP, OPs and visual acuity. CONCLUSION: Head-down tilt simulated weightlessness induce the rearrange of blood of the whole body including eyes, which can make the change of visual electrophysiology but not visual acuity

Analysis on postoperative infection after pocket tape scleral reinforcement

AIM: To analyze the postoperative infection of pathological myopia with pocket scleral reinforcement. METHODS: The clinical data of 167 cases of pathological myopia treated with pocket scleral reinforcement in June to December 2014 were analyzed. The postoperative infection rate, the resistance of pathogenic bacteria were analyzed, and the related factors of infection were analyzed. RESULTS: A total of 286 eyes were obtained in 167 patients. The infection rate was 6.3% in 10 patients(18 eyes). There were 30 pathogenic bacteria isolated from the 18 infected eyes, in which were 10 Staphylococcus aureus, 10 Staphylococcus epidermidis, 6 Klebsiella pneumoniae, 4 Pseudomonas aeruginosa infection. Gram positive bacteria showed higher resistance to penicillin, ampicillin and ciprofloxacin, and were sensitive to vancomycin. The resistance rates of gram negative bacteria to cefotaxime were higher, but to imipenem was low. The two groups of patients age, culture level, operation time, the number of operation, intraoperative nursing staff seniority, postoperative medication compliance rate was statistically significant(PCONCLUSION: The infection caused by Staphylococcus aureus is the most common after pocket scleral reinforcement, and it is sensitive to vancomycin, and gram negative bacteria is sensitive to imipenem. Shortening the operation time, using the experienced nursing staff to cooperate, reducing the number of operation and improving the compliance of the patients can reduce the postoperative infection