Applied Research of Genetic Algorithm in Personal Credit Risk Combined Assessment

With the increasing scale of individual credit consumption, the individual credit risk assessment has become more and more important. This paper selected 640 samples from the Germany personal credit database as study object. First, this preliminary screened the primitive indexes, and then used sample classification accuracy as fitness function, making combined assessment model based on linear regression and logistic regression through genetic algorithm. The results showed that the combined assessment model based on genetic algorithm had higher accuracy compared to a single model, and combined assessment model based on the least sum of square error had an advantage in the individual credit risk assessment over the others

Biological reduction of hexavalent chromium and mechanism analysis of detoxification by enterobacter sp. HT1 isolated from tannery effluents, Mongolia

Enterobacter sp. HT1, Cr (VI) resistant bacterial strain was isolated from the wastewater sample of the tannery in Mongolia. Batch experiments on hexavalent chromium removal was carried out at 10, 20, and 30 mg/L of Cr (VI) added as potassium dichromate (K2Cr2O7), at pH 7 and temperature of 30 °C using pure culture of Enterobacter sp. HT1 as inoculum.  The isolated HT1 is capable of reduction nearly 100% of Cr (VI) resulting in the decrease of Cr (VI) from 10 to 0.2 mg/L within 20 hours. When the concentration of Cr (VI) increased to 20 and 30mg/L, almost complete reduction of Cr (VI) could achieve after 72 and 96 hours, respectively.DOI: http://doi.dx.org/10.5564/mjc.v15i0.322 Mongolian Journal of Chemistry 15 (41), 2014, p47-5

The Analysis of Peasant Household's Credit Behavior

AbstractPeasant household's credit behavior not only affect the financial ability of the peasant household, but also influence the credit decisions of the rural financial institution, consequently impact on the development of the Chinese rural economic and the peasant household economic. This paper, based on the credit behavior of peasant household in the process of the Chinese rural economic development11Peasant household's credit behavior is the credit behavior under the comprehensive influence of the repayment capacity and willingness, in which repayment capacity is the key element., analysis the credit behavior game in rural credit and loan process between peasant households and rural financial institution, and the game among peasant households in rural joint warrant process. Finally, provides methods to improve the credit behavior of peasant household in credit game

In GFP with high risk HPV-18E6 fusion protein expressed 293T and MCF-7 cells, the endogenous wild-type p53 could be transiently phosphorylated at multiple sites

<p>Abstract</p> <p>Background</p> <p>Infected cells recognize viral replication as a DNA damage stress and elicit the host surveillance mechanism to anti-virus infection. Modulation of the activity of tumor suppressor p53 is a key event in the replication of many viruses. They could manipulate p53 function through phosphorylation modification for their own purpose. But there is rarely research about p53 phosphorylation status in the context of HPV-E6. Therefore, we investigated whether p53 could be phosphorylated by HPV-E6.</p> <p>Methods</p> <p>We used a mammalian green fluorescence protein (GFP) expression system to express HPV-18E6 with GFP fusion proteins (GFP-18E6) in wild-type (wt) p53 cell lines, such as 293T and MCF-7 cells to trace the traffic and subcellular location of E6 protein. By immunofluorescence technique and immunoblotting, we determined the positive phosphorylated sites of p53 and observed the distribution of phosphorylated p53 in the context of GFP-18E6.</p> <p>Results</p> <p>GFP-18E6 was predominantly located in nuclei of wt p53 cell lines, and it could induce transient phosphorylation of p53 at multiple sites, such as Ser¹⁵, Ser²⁰, and Ser³⁹². All the three sites of phosphorylated p53s were localized in nuclei together with GFP-18E6.</p> <p>Conclusion</p> <p>In GFP with high risk HPV-18E6 fusion protein expressed 293T and MCF-7 cells, the endogenous wt p53 could be transiently phosphorylated at multiple sites.</p

Cerebral oxygen desaturation occurs frequently in patients with hypertension undergoing major abdominal surgery

Hypertensive patients are more likely to experience latent cerebral ischemia causing regional cerebral oxygen saturation (rSO2) decrease during general anesthesia. The aim of this prospective observational study was to assess the incidence of decreased rSO2 in hypertensive patients undergoing major abdominal surgery and the perioperative factors affecting this change in rSO2. A total of 41 hypertensive patients were enrolled and stratified according to their hypertension as controlled and uncontrolled. The intraoperative rSO2 and physiological data were routinely collected. The Mini-Mental State Exam (MMSE) was used to test cognitive function before surgery and after 4 days. Cerebral desaturation was defined as a decrease in rSO2 of more than 20% of the baseline value. There were 20 patients (49%) suffering intraoperative cerebral desaturation classified into cerebral desaturation group (group D) and those 21 without intraoperative desaturation classified into normal group (group N). The area under the curve below 90 and 80% of baseline (AUCrSO2 <90% of baseline and AUCrSO2 <80% of baseline) was lower in patients of group N (2752.4 ± 1453.3 min% and 0.0 min%) than in patients of group D (6264.9 ± 1832.3 min% and 4486.5 ± 1664.9 min%, P < 0.001). Comparing the two groups, the number of uncontrolled hypertensive individuals in group D (12/20) was significantly more than group N (4/21) (P = 0.007). A significant correlation was observed between relative decrease in MAP and relative decrease in rSO2 (r2 = 0.495, P < 0.001). Moreover, nine patients (45%) in group D occurred early postoperative cognitive function decline were more than three patients (14.3%) in group N (P = 0.031). This pilot study showed a large proportion of hypertensive patient experienced cerebral desaturation during major abdominal surgery and uncontrolled hypertension predisposed to this desaturation. NCT02147275 (registered at http://www.clinicaltrials.gov)

The Influence of the Reputation of Finance Intermediaries on IPO Underpricing in China Growth Enterprize Markets (GEM)

Growth Enterprize Markets (GEM) in China was established in October 30, 2009. The paper analyses the underpricing effects and IPO stock’s first month, first quarter return in GEM of China, researches nearly 150 listed company in GEM. Its finds weak reputation effects of finance intermediaries on IPO underpricing and periods returns. This shows the failure of information generation function and failure of certificate function of finance intermediaries in new emerging market in China.Key Words: Growth enterprize market; Underpricing; Reputation of finance intermediaries; Information generation; Information certificatio

The Research on Correlations of Credit Risk and Moral Hazard for the EG

This paper, under the assumption of risk-neutral, analyzed the relationship between the probability of occurrence of moral hazard and the default probability of the EG (enterprise group), theoretically demonstrated the inner mechanism between the moral hazard and credit risk of the EG, and highlighted the role of bank loan interest played in the control of moral hazard and credit risk. The research shows: (1) There is nonlinear relationship between the probability of occurrence of moral hazard and the default probability of the EG; (2) There is an exogenous variable, loan interest rate, which makes the default probability extremum

Effects of Walking in Bamboo Forest and City Environments on Brainwave Activity in Young Adults

Background. In Japan, “Shinrin-yoku” or forest bathing (spending time in forests) is a major practice used for relaxation. However, its effects on promoting human mental health are still under consideration. The objective of this study was to investigate the physiological and psychological relaxation effects of forest walking on adults. Sixty participants (50% males; 50% females) were trained to walk 15-minute predetermined courses in a bamboo forest and a city area (control). The length of the courses was the same to allow comparison of the effects of both environments. Blood pressure and EEG results were measured to assess the physiological responses and the semantic differential method (SDM) and STAI were used to study the psychological responses. Blood pressure was significantly decreased and variation in brain activity was observed in both environments. The results of the two questionnaires indicated that walking in the bamboo forest improves mood and reduces anxiety. Moreover, the mean meditation and attention scores were significantly increased after walking in a bamboo forest. The results of the physiological and psychological measurements indicate the relaxing effects of walking in a bamboo forest on adults

The Spleen Promotes the Secretion of CCL2 and Supports an M1 Dominant Phenotype in Hepatic Macrophages During Liver Fibrosis

Background/Aims: Liver fibrosis is a complex process of tissue remodeling in response to injury. Hepatic macrophages have been identified as a key player in this process. As the largest lymphoid organ in the body, the spleen exerts both local and systemic effects on immune cell response. Splenectomy can improve hepatic function during the treatment of liver cirrhosis. However, whether the spleen influences disease progression through the modulation of hepatic macrophages remains unclear. Methods: We examined ex vivo hepatic macrophage responses from splenectomized or sham operated rats and performed splenocyte adoptive transfer studies, in combination with in vivo CCL2 blockade, in splenectomized or sham operated rats. Results: We found that splenectomy reduced fibrosis severity and monocyte/ macrophage infiltration within the injured liver. Splenectomy also reduced secretion of the monocyte chemokine CCL2 by hepatic macrophages. Ex vivo, splenocytes, especially splenic macrophages, promoted CCL2 secretion via upregulation of SOCS3 signaling in hepatic macrophages. Migration of splenic monocytes in response to conditioned medium from hepatic macrophages was inhibited by the blockade of SOCS3–CCL2–CCR2 signaling. Splenectomy also attenuated the establishment of an M1-dominant hepatic macrophage phenotype whilst the adoptive transfer of splenocytes could partly reverse this effect and exacerbate fibrosis. However, CCL2 blockade following adoptive splenocyte transfer restored the protective effects of splenectomy. Conclusion: Our study demonstrates that splenic macrophages can promote hepatic macrophage secretion of CCL2, which in turn facilitates monocyte recruitment and the establishment of an M1-dominant hepatic macrophage phenotype, and thus increase the severity of liver fibrosis