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There is a growing tendency in credit card industry to increase the contribution of the smallest players, the cardholders, in the detection of card incidents. This article examines whether cardholders are efficient at detecting/communicating incidents of theft, loss or fraudulent use of their cards. The analysis focuses on whether they demonstrate enough speed of response to support a risk control subsystem by the issuer. The research follows a completely new approach showing how the issue can be handled by applying the concept of elasticity, a notion just recently exported from economics to the field of statistics by linking it with the reverse hazard rate. The issue is focused on the analysis of the characteristics of the elasticity function of the random variable that measures the delay of cardholders in reporting incidents. This study is illustrated with an application to a real data set of 1069 incidents. 相似文献
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Recent asset-pricing models incorporate jump risk through Lévy processes in addition to diffusive risk. This paper studies how to detect stochastic arrivals of small and big Lévy jumps with new nonparametric tests. The tests allow for robust analysis of their separate characteristics and facilitate better estimation of return dynamics. Empirical evidence of both small and big jumps based on these tests suggests that models for individual equities and overall market indices require incorporating Lévy-type jumps. The evidence of small jumps also helps explain why jumps in the market index are uncorrelated with jumps in its component equities. 相似文献
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计算机的智能化、科学化与高效化特点,使其在现代建筑材料检测中得到了广泛的应用。本文对计算机技术的应用意义进行了介绍,同时探讨了计算机技术在建筑材料检测各个环节的应用,最后对计算机技术应用于建筑材料检测时的系统组成进行了分析。 相似文献
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小波分析主要广泛应用在科学研究和工程技术中。虽然在现阶段的小波理论相对成熟,近些年关于小波理论的应用和研究也在不断的发展和更新。小波变化在图像处理领域中的应用也囊括图像与处理的所有方面。本文通过介绍小波变换的起源,将小波应用在图像处理中的压缩、还原图像、边缘检测和图像分割,宏观剖析小波的研究现状历史、发展动向及优势。 相似文献
116.
Delineating travel patterns and city structure has long been a core research topic in transport geography. Different from the physical structure, the city structure beneath the complex travel-flow system shows the inherent connection patterns within the city. On the basis of taxi-trip data from Shanghai, we built spatially embedded networks to model intra-city spatial interactions and to introduce network science methods into the analysis. The community detection method is applied to reveal sub-regional structures, and several network measures are used to examine the properties of sub-regions. Considering the differences between long- and short-distance trips, we reveal a two-level hierarchical polycentric city structure in Shanghai. Further explorations of sub-network structures demonstrate that urban sub-regions have broader internal spatial interactions, while suburban centers are more influential on local traffic. By incorporating the land use of centers from a travel-pattern perspective, we investigate sub-region formation and the interaction patterns of center–local places. This study provides insights into using emerging data sources to reveal travel patterns and city structures, which could potentially aid in developing and applying urban transportation policies. The sub-regional structures revealed in this study are more easily interpreted for transportation-related issues than for other structures, such as administrative divisions. 相似文献
117.
雷电是发生在大气中的一种自然灾害,这已是不争的事实,它所带给人类的破坏全球随时都可能发生,从建筑物损坏到卫星通讯网络以及家庭中使用的电器,无不都遭受着雷电的威胁。我们如何能更好的完成国家赋予我们的防雷减灾使命,如何更好地遏制雷电灾害的发生,这在很大程度上取决于人的因素,即决策者、管理者、建设者的素质问题,为使防雷事业依法、快速、健康发展,就必须建立一支训练有素的、业务精通的高素质防雷减灾队伍,也是我们防雷人一直在思考的问题。 相似文献
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埋地钢质管道的外防腐层是管道防止腐蚀破坏的手段,埋地管道外防腐层的损坏哪怕是微小的破损,对管体的腐蚀是致命的,保护管道的外防腐层,及时做出正确的评估,以便在节约效能的前提下,有的放矢的进行开挖和修复是防止管道泄漏的有效手段。 相似文献
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李斌 《石油工业技术监督》2008,24(4):26-29
为保障海上石油设施生产作业、人员生命和财产安全,我国在滩海陆岸及油气开发人工岛石油作业中实行第三方发证检验制度。设计审查是发证检验的关键环节,介绍了设计审查过程中质量控制的主要内容。 相似文献