基于三角模糊数的贷款组合优化模型比较分析

随着中国利率市场化的进程,贷款利率呈现出更大的不确定性,商业银行间的竞争也越来越激烈,在新的行业特点和经营形势下,商业银行需要结合研究贷款资源的配置方式,为商业银行管理层的决策提供有力的支撑。引入三角模糊数来刻画商业银行的收益率,并利用其可能性均值来构建三类贷款组合优化模型进行分析,结果显示模型的有效边界都符合均值方差模型有效边界的变化趋势,且得到的贷款权重配置可以更好地体现贷款利用效率。     

政府绩效审计“阶梯型”评价模式的构建与应用——以BRT公共交通投资项目为例

构建一套政府公共交通投资项目绩效审计评价模式是提高政府公共交通投资项目绩效审计效率和审计质量的关键,然而目前业界尚未对此形成统一认识。论文基于平衡计分卡理论从资源配置、职能行使、潜力发挥和贡献效益四个维度,构建了“阶梯形”政府公共交通投资项目绩效审计评价模式,并通过模糊评价对某市BRT项目调研数据对该模式进行了验证。     

信用平稳下商业银行信用风险测度模型及应用——基于模糊综合评判法

科学高效的商业银行信用风险测度模型,是实现商业银行信用风险监测目标的重要保障。商业银行信用风险主要来源于贷款企业层面,贷款企业信用质量状况将对应着商业银行信用风险水平。对此,从贷款企业的财务与非财务两个层面设计信用风险的测度指标体系,运用模糊综合评判法构建信用平稳下商业银行信用风险测度模型,并给出信用风险测度模型的应用实例。研究发现,在信用平稳下,依赖于专家评判及打分方式,使得模糊综合评判法对于解决商业银行信用风险测度问题具有很好的操作便利性;也可为我国商业银行体系构建科学高效的信用风险监测机制提供重要的理论指导与决策参考。     

基于缺陷扣分法与模糊理论相结合的GIS数据质量评价——以基本农田成果数据为例

本文通过对GIS数据评价的因素进行分析,改善专家综合评语所得到的模糊关系矩阵。以基本农田调查数据库为基础,运用缺陷扣分的方法,对各因素集进行打分评判,计算出各因子在产品质量等级中所占有比重,结合专家综合评语,得到较准确的模糊关系矩阵。通过层次分析法计算出各因素的权重分配,根据模糊矩阵合成规则合成模型,依照最大隶属原则,得出最终的评价结论。     

和谐社会评价指标体系与评价模型及其应用

根据和谐社会的内涵与特征,选取4个方面18个评价指标组成层次结构指标体系,引入模糊隶属函数对各指标进行无量纲化处理,利用因子分析法确定各级指标权重,构建模糊综合评价模型对我国社会和谐度进行综合评价,并对评价结果进行分析。结果显示,我国社会总和谐度处于一般和较高之间,离全面建设社会主义和谐社会的目标仍有一定的距离。     

所得税申报中资产时间性差异的调整方法比较

在所得税申报中,资产时间性差异的纳税调整要涉及几个纳税年度,并且一个正常生产经营企业的资产往往处在动态过程中。每年有新增资产,也有出售、报废、到期的资产,要准确无误地对其进行纳税调整,是所得税申报中的一个常见问题也是难点问题。文章通过对所得税申报中资产时间性差异调整的两种方法的比较,确定一种较为简便可行的方法。     

Query Titles in Travel Forums: Nature and Impacts on Responses

Despite travel forums being an influential source of electronic word of mouth in the tourism context, the nature of interaction between information inquirers and contributors is yet to be appraised. This study attempts to fill the knowledge gap by exploring the inquiry titles in a travel forum in terms of its nature and influence on viewers’ responses. For empirical examination, thread titles for queries on South Korea and Japan that were posted in the Lonely Planet Thorn tree forum between March 2009 and February 2010 were collected (n?=?220) and analyzed. The results reveal that search by location is prevalent when potential tourists post a query in a travel forum. Search by interest is more likely at the city or regional level, while search by general (SBG) topic is prevalent in national-level search. The nature of inquiry title also reflects the intended length of stay at a destination. SBG in title significantly outweighs other categories in terms of the number of views and replies. Implication of findings and directions for future study are discussed.     

Analysis on supply chain risks in Indian apparel retail chains and proposal of risk prioritization model using Interpretive structural modeling

Indian apparel retail industry is on a complete transformation journey and trying to evolve as an organized industry. It is very common to find the disruption factors in every business and the ways to mitigate and manage them is of current research interest. The paper discusses the selective risks associated with the apparel retail supply chains in India by structural analysis of the controllable risks that are identified. The work also reveals the use of Interpretative Structural Modeling (ISM) to establish the interdependencies between these risks spread across various supply chain functions of retail industry. The relationships are established based on expert opinions using Delphi technique followed by ISM modeling technique and Fuzzy MICMAC analysis. It also classifies the risk factors based on their driving and dependence power. ISM is proved to be a useful tool to help understand the impact of risks at stages of retail supply chain. Globalization, labor issues and security and safety of resources turns out to be the strong drivers of other supply chain uncertainties. The domino effect of these risks leads to financial crises for the organization.The paper also proposes a new model for the Risk Priority Number (RPN) calculation using ISM and Fuzzy MICMAC methodology for the applications in retail and various other domain risk studies. The sample size of experts is small and to remove the biasness of opinion, the model can be further validated using Structural Equation Modeling (SEM) in the future. The outcome would help practicing managers to analyze and to take actions for managing the factors by improving the bottom line of the organization by proper utilization of resources.     

单井开发成本的模糊数综合评定方法

为了解决单井开发成本综合评议过程中多专家评议意见融合的问题,提出了一种基于模糊数的多专家评议意见融合方法,首先介绍了专家评议信息的模糊数表示方法以及专家评议信息之间的差异性测度的表示方法,最后给出了多专家意见的信息融合方法,最后利用数值算例论述了本方法的可行性。     

Agility index in the supply chain

To achieve a competitive edge in the rapidly changing business environment, companies must align with suppliers and customers to streamline operations, as well as working together to achieve a level of agility beyond individual companies. Consequently, agile supply chains are the dominant competitive vehicles. Embracing agile supply chain requires asking some important questions, namely: what exactly is agility and how can it be measured? Moreover, how can agility be effectively achieved and enhanced? Due to the ambiguity of agility assessment, most measures are described subjectively using linguistic terms. Thus, this study develops a fuzzy agility index (FAI) based on agility providers using fuzzy logic. The FAI comprises attribute’ ratings and corresponding weights, and is aggregated by a fuzzy weighted average. To illustrate the efficacy of the method, this study also evaluates the supply chain agility of a Taiwanese company. This evaluation demonstrates that the method can provide analysts with more informative and reliable information for decision.