P2P 网络借贷研究进展及中国问题研究展望

P2P ( 个人对个人) 网络借贷是指通过网络借贷平台,在全球范围内实现个人与个人或小微企业间的小额信用借贷交易． P2P 网络借贷作为全新的互联网金融服务受到商业界的高度关注,而且发展成为学术研究的国际前沿领域． 对 P2P 网络借贷相关研究文献进行了综述,具体从影响借贷交易的信息因素、羊群效应以及社交网络等 3 个方面分析了该领域研究的现状和发展脉络． 因为中国已超越美国成为全球最大的 P2P 网络借贷交易市场,所以结合中国的具体情境和问题,提出了未来研究工作的展望．     

中国P2P网络借贷信用风险的测量

分析中国P2P网络借贷信用风险的生成机理,借鉴商业银行典型个人信用风险测量理论基础与方法,构建基于涵盖借款人软信息的P2P网络借贷信用风险评级指标体系。通过向在银行从事信贷工作的专业人员发放调查问卷,确定具体指标,使用AHP(层次分析法)与DEMATEL(决策实验室法)相结合的方法综合确定指标体系权重,最后评级结果以百分制数值给出,并换算成具体的信用等级,有效解决了平台对借款人信用等级测量问题。     

A powerful and efficient algorithm for breaking the links between aliased effects in asymmetric designs

Fractional factorial (FF) designs are no doubt the most widely used designs in experimental investigations due to their efficient use of experimental runs. One price we pay for using FF designs is, clearly, our inability to obtain estimates of some important effects (main effects or second order interactions) that are separate from estimates of other effects (usually higher order interactions). When the estimate of an effect also includes the influence of one or more other effects the effects are said to be aliased. Folding over an FF design is a method for breaking the links between aliased effects in a design. The question is, how do we define the foldover structure for asymmetric FF designs, whether regular or nonregular? How do we choose the optimal foldover plan? How do we use optimal foldover plans to construct combined designs which have better capability of estimating lower order effects? The main objective of the present paper is to provide answers to these questions. Using the new results in this paper as benchmarks, we can implement a powerful and efficient algorithm for finding optimal foldover plans which can be used to break links between aliased effects.     

Personality profiles of factitious disorder imposed by mothers: A comparative analysis

Factitious Disorder Imposed by Another (FDIA) can be difficult to expeditiously identify. Understanding personality characteristics of FDIA perpetrators via psychological assessment may decrease the time between initial abuse and identification of FDIA. Personality characteristics of FDIA mother-perpetrators were examined through a comparative analysis of MMPI-2 profiles. It was predicted that mother-perpetrators would have significantly higher overall profile elevations on the MMPI-2 and elevations on specific clinical scales than a comparative control group. Results indicated that mother-perpetrators displayed significantly higher, elevations on the Psychasthenia (Pt) and Schizophrenia (Sc) scales and a trend toward significantly higher elevation on the Psychopathic Deviate (Pd) scale than the control group. These findings, along with the demographic information obtained, establish a preliminary foundation for understanding an overall profile of mother-perpetrators.     

Bootstrap methods for multivariate hypothesis testing

The nonparametric and parametric bootstrap methods for multivariate hypothesis testing are developed. They are used to approximate the null distribution of the test statistics proposed by Duchesne and Francq (2015 Duchesne, P., Francq, C. (2015). Multivariate hypothesis testing using generalized and {2}-inverses—with applications. Statistics 49:475–496.[Taylor &; Francis Online], [Web of Science ®] , [Google Scholar]), resulting in bootstrap testing procedures. In the problem of testing for the mean vector of a multivariate distribution, the asymptotic validity of the bootstrap methods is proved. The finite sample performance of the new solutions is demonstrated by means of Monte Carlo simulation studies. They indicate that for small-sample size, the bootstrap tests provide a better finite sample properties than the asymptotic tests considered by Duchesne and Francq (2015 Duchesne, P., Francq, C. (2015). Multivariate hypothesis testing using generalized and {2}-inverses—with applications. Statistics 49:475–496.[Taylor &; Francis Online], [Web of Science ®] , [Google Scholar]).     

Convergence rate of wavelet density estimator with data missing randomly when covariables are present

In this article, we study global L₂ error of non linear wavelet estimator of density in the Besov space B^s_pq for missing data model when covariables are present and prove that the estimator can achieve the optimal rate of convergence, which is similar to the result studied by Donoho et al. (1996) Donoho, D.L., Johnstone, I.M., Kerkyacharian, G., Picard, D. (1996). Density estimation by wavelet thresholding. Ann. Stat. 24:508–539.[Crossref], [Web of Science ®] , [Google Scholar] in complete independent data case with term-by-term thresholding of the empirical wavelet coefficients. Finite-sample behavior of the proposed estimator is explored via simulations.     

降糖药物——阿尔茨海默病治疗的新思路

流行病学研究表明2型糖尿病（type 2 diabetes mellitus T2DM）能够增加患者发生阿尔茨海默病（Alzheimer＇s disease,AD）的风险。进一步的分子机制研究也表明,胰岛素抵抗以及胰岛素缺乏,这个T2DM特征性和最主要的发病机制也在AD的发病机制中发挥着重要作用。近年来甚至有人提议将AD称作＂3型糖尿病＂。基于这些研究,降糖药物也许是治疗AD的一个新选择。大量的临床试验研究也已经表明AD患者能够从降糖药物中获益,本文将主要介绍胰岛素、二甲双胍、噻唑烷二酮类药物以及胰升糖素样多肽1类似物。     

几种典型的烟气脱硫技术

烟气脱硫是控制二氧化硫污染的常用方法,我国的烟气脱硫技术研究从19世纪五十年代开始,目前已形成较多的应用技术。文中对国内几种典型的烟气脱硫技术的工艺流程、特点、应用情况及其发展做了介绍。     

三维有机超分子晶体：3-氨基-2-羧基吡嗪

通过溶液法培养了3-氨基-2-羧基吡嗪的单晶,利用单晶X-射线衍射法测定了其晶体结构。同时利用元素分析、红外光谱对其进行了表征。晶体学数据：单斜晶系,P2（1）/c空间群,a=3.7629（7）Ao,b=14.2098（3）Ao,c=10.9212（19）A°^,α=90°,β=99.182（3）°,γ=90°,V=576.47（18）A°^ 3,Z=4,ρcalc=1.603 g·cm^-3,R1=0.0527,WR2=0.1368。结构分析表明,3-氨基-2-羧基吡嗪分子通过氢键作用和π-π堆积作用连接成三维超分子网络结构。