信息技术服务及其标准化的实践与探索

文章介绍了上海宝信软件股份有限公司（以下简称宝信软件）在信息技术服务及标准化的过程中所开展的工作,以及在应用软件（解决方案）、运维业务、服务外包等方面的一些探索,期待通过实践走出一条提升IT服务质量的新路。     

国际营销思考题(之一)参考答案

<正> (一)为什么在国际营销中,在渠道策略上,正确对待国外中间商具有关键意义?在这方面需要注意哪些问题? 在从事国际营销的全过程中,在发展了适销产品并订定了有竞争性的价格之后,企业选择推行的渠道策略对于能否成功地进入目标市场拓开销售具有关键的意义。而在渠道策略上如何正确选择运用中间商可说是首要问题。这是因为:第一,就世界范围来看,由出口厂商控制、左右市     

数字化可编程直接序列扩频(DP-DS/SS)系统的设计

本文介绍了一种数字化可编程直接序列扩频(DP-DS/SS)系统的设计方案,借鉴了软件无线电的思想,基于FPGA DSP的结构实现数字化可编程功能,采用动态配置技术实现多模式工作。一些关键技术的研究使系统具有较强的适应性,部分应用结果表明该系统可以很好地应用于移动卫星通信和直扩抗干扰通信。     

用于遥测系统中的晶体调频振荡电路分析

本文主要分析遥测发射机中的晶体调频振荡电路,并导出晶体调频网络的参数与频率之间的关系式.最后,给出晶体调频振荡电路的实验结果和实际应用.     

数字信号处理器

本文简述了国内目前应用的第一代数字信号处理器TNTEL 2920,介绍了开始开发的第二代产品TMS32020。     

武汉市三维数字地图系统建设及其应用

武汉市是国内较早开展三维数字城市建设的城市之一,武汉市三维数字地图系统建设是武汉市三维数字城市建设的核心内客,该项目历时三年基本建成.本文全面总结了该项目建设的主要内容、建设策略和成果应用,对下一步工作提出了展望,相信对国内三维数字城市建设及规划界利用三维技术提高规划编制管理技术水平有借鉴意义.     

Estimating default barriers from market information

Brockman and Turtle [J. Finan. Econ., 2003, 67, 511–529] develop a barrier option framework to show that default barriers are significantly positive. Most implied barriers are typically larger than the book value of corporate liabilities. We show theoretically and empirically that this result is biased due to the approximation of the market value of corporate assets by the sum of the market value of equity and the book value of liabilities. This approximation leads to a significant overestimation of the default barrier. To eliminate this bias, we propose a maximum likelihood (ML) estimation approach to estimate the asset values, asset volatilities, and default barriers. The proposed framework is applied to empirically examine the default barriers of a large sample of industrial firms. This paper documents that default barriers are positive, but not very significant. In our sample, most of the estimated barriers are lower than the book values of corporate liabilities. In addition to the problem with the default barriers, we find significant biases on the estimation of the asset value and the asset volatility of Brockman and Turtle.     

Empirical analysis of the average asset correlation for real estate investment trusts

The credit risk capital requirements within the current Basel II Accord are based on the asymptotic single risk factor (ASRF) approach. The asset correlation parameter, defined as an obligor's sensitivity to the ASRF, is a key driver within this approach, and its average values for different types of obligors are to be set by regulators. Specifically, for commercial real estate (CRE) lending, the average asset correlations are to be determined using formulas for either income-producing real estate or high-volatility commercial real estate. In this paper, the value of this parameter was empirically examined using portfolios of U.S. publicly-traded real estate investment trusts (REITs) as a proxy for CRE lending more generally. CRE lending as a whole was found to have the same calibrated average asset correlation as corporate lending, providing support for the recent U.S. regulatory decision to treat these two lending categories similarly for regulatory capital purposes. However, the calibrated values for CRE categories, such as multi-family residential or office lending, varied in important ways. The comparison of calibrated and regulatory values of the average asset correlations for these categories suggests that the current regulatory formulas generate parameter values that may be too high in most cases.     

Modeling default risk with support vector machines

Predicting default risk is important for firms and banks to operate successfully. There are many reasons to use nonlinear techniques for predicting bankruptcy from financial ratios. Here we propose the so-called Support Vector Machine (SVM) to predict the default risk of German firms. Our analysis is based on the Creditreform database. In all tests performed in this paper the nonlinear model classified by SVM exceeds the benchmark logit model, based on the same predictors, in terms of the performance metric, AR. The empirical evidence is in favor of the SVM for classification, especially in the linear non-separable case. The sensitivity investigation and a corresponding visualization tool reveal that the classifying ability of SVM appears to be superior over a wide range of SVM parameters. In terms of the empirical results obtained by SVM, the eight most important predictors related to bankruptcy for these German firms belong to the ratios of activity, profitability, liquidity, leverage and the percentage of incremental inventories. Some of the financial ratios selected by the SVM model are new because they have a strong nonlinear dependence on the default risk but a weak linear dependence that therefore cannot be captured by the usual linear models such as the DA and logit models.     

eminar教学法在本科生思想政治教育中的应用研究

笔者以学风建设、和谐校园建设和就业创业为主题,以低年级学生为主体,以学生工作者为指导教师,采用Seminar教育形式培养学生素质,希望这一新的教育方式在本科素质教育中得到广泛的发展和推广。