基于神经网络的贷款违约识别研究

随着国内金融市场的逐步开放,我国商业银行将面临日益激烈的市场竞争。提高商业银行的信用风险管理水平,增强市场竞争力,已经成为非常迫切的问题。除了完善信贷管理体制以外,研发信用风险模型以降低信用风险很有必要。鉴于目前的数据情况,现实的选择是研发贷款违约识别系统。本文对神经网络用于贷款违约识别做了实证研究,并与判别分析和决策树做了性能比较,得到了一些有意义的结论。     

面向套圈对象的CAPP方法

提出了在轴承套圈加工中采用ＣＡＰＰ的总体设想,针对套圈特征介绍了基于该对象的信息描述,以及各工序工艺自动生成的方法与结果     

论世界文化体系的多元特征

人类文化在长期的交流与互动中逐渐融汇成了一些大的文化体系。这些文化体系虽然又各自包含着多种民族文化 ,但不影响其形成相对稳定的特征。本文对世界四大主要的文化体系 ,即西方文化、伊斯兰文化、印度文化和中国文化各具异彩的一般特征作了简要的分析 ,这对全球化时代的中国先进文化建设具有重要意义     

全浊声母清化的现代音系理论解析

汉语声母系统在由中古向近代的发展过程中,一个突出的变化就是简化。这种简化主要是由于全浊声母的清化造成的。全浊声母的清化,虽然具有很强的规律性,却并没有影响同样具有浊音特征的次浊声母。通过标记理论和区别特征理论分析,可以看出,全浊音清化只涉及阻塞音中的f＋浊音】特征,而不涉及响音中的【＋浊音】特征,即全浊声母清化的实质是由有标记项向无标记项的转变。     

生育文化涵义及其特征新解

本文试图通过概念对比 ,例证分析 ,成因探讨 ,从内涵上阐明生育文化理论及其特征。     

当代中国公民政治参与的五大特征

从政治民主化的视角来看,当代中国的政治参与,作为公民的一种行为,呈现出了显著的被动性、形式性、非理性、功利性和盲从性。     

论云南民族民间仿生造型装饰艺术

作者探讨了云南民族民间装饰中的仿生造型装饰艺术的特征、规律以及文化含义,力图从中挖掘出更多以往为我们所忽视的艺术与文化内蕴,更好地继承和弘扬云南民族历史与文化遗产。     

Rough set-based approach to feature selection in customer relationship management

In this paper, application of the rough set theory (RST) to feature selection in customer relationship management (CRM) is introduced. Compared to other methods, the RST approach has the advantage of combining both qualitative and quantitative information in the decision analysis, which is extremely important for CRM. To derive the decision rules from historical data for identifying features that contribute to CRM, both the mathematical formulation and the heuristic algorithm are developed in this paper. The proposed algorithm is comprised of both equal and unequal weight cases of the feature content with the limitation of the mathematical models. This algorithm is able to derive the rules and identify the most significant features simultaneously, which is unique and useful in solving CRM problems. A case study of a video game system purchase is validated by historical data, and the results showed the practical viability of the RST approach for predicting customer purchasing behavior. This paper forms the basis for solving many other similar problems that occur in the service industry.     

浅论萧伯纳的悲喜剧特征

本文主要研究萧伯纳的悲喜剧特征。萧伯纳擅长于创作反映社会各层面的悲喜剧 ,他的创作不但表现了对国家社会的命运和前途的关注 ,而且在文学、艺术风格上都获得了极大的成功。     

Stable feature screening for ultrahigh dimensional data

This paper is concerned with the stable feature screening for the ultrahigh dimensional data. To deal with the ultrahigh dimensional data problem and screen the important features, a set-averaging measurement is proposed. The model averaging technique and the conditional quantile method are used to construct the weighted set-averaging feature screening procedure to identify the relationships between the possible predictors and the response variable. The proposed screening method is model free, stable and possesses the sure screening property under some regular conditions. Some Monte Carlo simulations and a real data application are conducted to evaluate the performance of the proposed procedure.