商业银行贷款定价模型构造研究

本文从贷款定价的原则和因素分析着手 ,提出贷款价格由核心价格、风险附加价格和可折让价格三部分组成 ,并建立了贷款定价数学模型。同时 ,利用决策树实现了贷款定价决策。     

建设工程管理决策中的系统分析方法

管理决策的科学性取决于管理方法、手段和技术的有效性。基于决策问题的系统分析方法是实施科学决策的基础,决策问题的提出是系统科学发展的动因。建设工程管理决策树立系统观点、应用系统方法进行量化和优化是提高其决策质量的有效方法。从系统分析与决策、建设工程管理决策的系统观以及建设选址问题中系统分析方法的应用三个方面理论与实际相结合,阐明了系统量化与优化对于建设工程管理决策的辅助支持作用,以期增强建设工程管理决策活动应用系统方法的自觉性,提高管理决策的质量和能力,促进建筑业的健康良性发展。     

Threshold decisions: how social workers prioritize referrals of child concern

This paper examines local authority social workers' decision‐making when considering referrals of children, where the concerns are on the margin of child protection procedures. In doing so, it describes the findings of a qualitative research study undertaken in the policy context of attempts to ‘refocus’ social work practice in the late 1990s and early twenty‐first century. Data collection involved interviews with social workers and parents in 23 cases. Conclusions are that referrals were evaluated on the basis of five key factors, specificity, severity, risk, parental accountability and corroboration, the use of which determined whether an initial assessment or an investigation of alleged abuse took place. The analysis builds on previous work in the child protection field, but demonstrates how the application of these factors differs between cases of child concern and cases of child protection. Policy implications concern the complexity of decision‐making in the uncertain context of limited referral information and it is proposed that the simplistic notion of a continuum of abuse is now outdated. Copyright © 2006 John Wiley & Sons, Ltd.     

一种基于神经网络和决策树的信用评估新方法

分析了数据挖掘在国内外金融领域的应用及研究现状,提出了一种基于神经网络和决策树相结合的信用评估新方法。该方法通过RBF神经网络,进行条件属性裁减,并利用决策树抽取出评估规则。此方法利用神经网络的“黑箱”工作特性,选择重要条件属性,并利用决策树自动生成评估规则,大大提高了信用评估的效率和客观性。     

基于数据挖掘的客户关系分析评价系统

分析功能的深化是客户关系管理(CRM)的一大发展趋势,应用数据挖掘技术建立的CRM分析评价系统,可以对客户的行为以及市场趋势进行有效的分析,为企业的各种决策提供定性和定量的依据。该系统主要模块包括:客户细分模块、客户行为分析模块和市场趋势分析模块。以上各个模块涉及了企业关心的各种客户行为及市场行为,通过各个模块的分析,企业可以辨认出高端客户,理解各种客户行为模式,并掌握市场发展趋势以保证企业在激烈的竞争中立于不败之地。     

Optimal sampling for repeated binary measurements

The authors consider the optimal design of sampling schedules for binary sequence data. They propose an approach which allows a variety of goals to be reflected in the utility function by including deterministic sampling cost, a term related to prediction, and if relevant, a term related to learning about a treatment effect To this end, they use a nonparametric probability model relying on a minimal number of assumptions. They show how their assumption of partial exchangeability for the binary sequence of data allows the sampling distribution to be written as a mixture of homogeneous Markov chains of order k. The implementation follows the approach of Quintana & Müller (2004), which uses a Dirichlet process prior for the mixture.     

服装制板、打板在实践应用中的探索

从服装企业生产的角度,阐述了服装制板、打板在生产实践中的具体应用。并结合实践经验,分析总结了针对不同情况与要求如何快速、准确、合理地制板、打板,以便为服装生产企业提供优质、方便、快捷的技术服务,促进服装企业的快速发展。     

基于VB的计算机考试系统的设计与实现

介绍了网络环境下的基于Visual Basic计算机考试系统的基本组成和功能结构,同时,就题库的建立和管理、随机成卷系统和评分系统等研制的难点进行了分析,并针对其中的关键技术,提出相应的解决方法。     

Couple Attitudes and Agreement Regarding Pregnancy Wantedness in the Philippines

We compare husbands' and wives' views of the wantedness of their most recent pregnancy in the Philippines, a country where relatively high levels of unintended fertility persist. This research is an extension of earlier work that looked separately at individual men's and women's responses. We analyze survey data for 369 couples and find that those most at risk of experiencing a pregnancy that neither spouse wanted tended to be higher parity couples, those who were more fatalistic, those who were practicing Catholics who attended religious services frequently, and those among whom the husband was the sole breadwinner. Higher parity women and older women were also more apt to experience a pregnancy that was wanted by only 1 spouse. Women who had difficulty discussing sexual matters with their husbands were more likely than other women to have a pregnancy that their husbands wanted but they did not.     

Modeling External Risks in Project Management

To ascertain the viability of a project, undertake resource allocation, take part in bidding processes, and other related decisions, modern project management requires forecasting techniques for cost, duration, and performance of a project, not only under normal circumstances, but also under external events that might abruptly change the status quo. We provide a Bayesian framework that provides a global forecast of a project's performance. We aim at predicting the probabilities and impacts of a set of potential scenarios caused by combinations of disruptive events, and using this information to deal with project management issues. To introduce the methodology, we focus on a project's cost, but the ideas equally apply to project duration or performance forecasting. We illustrate our approach with an example based on a real case study involving estimation of the uncertainty in project cost while bidding for a contract.