对高校银行贷款额度控制与风险评价模型的探讨

随着高校改革的不断深化,高校的筹资渠道呈现出多元化的趋势,在财政投入不足的情况下,向银行借款筹资成为高校经费的重要来源。如何控制高校银行贷款额度及防范财务风险越来越受到人们的重视。本文介绍了高校银行贷款额度控制与风险评价模型。并根据高校之间的差异,定量分析不同高校的风险系数和风险调整折现率,运用资本资产定价理论对模型进行改进,使据此作出的财务决策更加科学与稳健。     

A Sex Difference in Mental Rotation in Infants: Convergent Evidence

Quinn and Liben (2008) reported a sex difference on a mental rotation task in which 3‐ to 4‐month‐olds were familiarized with a shape in different rotations and then tested with a novel rotation of the familiar shape and its mirror image. As a group, males but not females showed a significant preference for the mirror image, a pattern paralleled at the individual level (with most males but less than half the females showing the preference). Experiment 1 examined a possible explanation for this performance difference, namely, that females were more sensitive to the angular differences in the familiarized shape. Three‐ to 4‐month‐olds were given a discrimination task involving familiarization with a shape at a given rotation and preference testing with the shape in the familiarized versus a novel rotation. Females and males preferred the novel rotation, with no sex difference observed. This finding did not provide support for the suggestion that the sex difference in mental rotation is explained by differential sensitivity to angular rotation. Experiment 2 revealed that the sex difference in mental rotation is observed in 6‐ to 7‐month‐olds and 9‐ to 10‐month‐olds, suggesting that a sex difference in mental rotation is present at multiple ages during infancy.     

用人工神经元网络解决经济问题的有效性和局限性

随着人工神经元网络 (ANN)研究的深入和发展 ,其应用领域越来越广泛 ,解决经济问题的有效性也得到广泛的证实和认同。同时 ,克服其局限性的策略和方法亦越来越多。可以认为 ,人工神经元网络不失为数量经济学的一种崭新的研究方法 ,将其与传统的统计分析方法及遗传算法、模糊逻辑、专家系统适当结合 ,取长补短 ,必将强化分析经济问题的精确性、可靠性和稳定性。