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121.
Risk-neutral valuation of participating life insurance contracts in a stochastic interest rate environment 总被引:1,自引:0,他引:1
Over the last years, the valuation of life insurance contracts using concepts from financial mathematics has become a popular research area for actuaries as well as financial economists. In particular, several methods have been proposed of how to model and price participating policies, which are characterized by an annual interest rate guarantee and some bonus distribution rules. However, despite the long terms of life insurance products, most valuation models allowing for sophisticated bonus distribution rules and the inclusion of frequently offered options assume a simple Black–Scholes setup and, more specifically, deterministic or even constant interest rates.We present a framework in which participating life insurance contracts including predominant kinds of guarantees and options can be valuated and analyzed in a stochastic interest rate environment. In particular, the different option elements can be priced and analyzed separately. We use Monte Carlo and discretization methods to derive the respective values.The sensitivity of the contract and guarantee values with respect to multiple parameters is studied using the bonus distribution schemes as introduced in [Bauer, D., Kiesel, R., Kling, A., Ruß, J., 2006. Risk-neutral valuation of participating life insurance contracts. Insurance: Math. Econom. 39, 171–183]. Surprisingly, even though the value of the contract as a whole is only moderately affected by the stochasticity of the short rate of interest, the value of the different embedded options is altered considerably in comparison to the value under constant interest rates. Furthermore, using a simplified asset portfolio and empirical parameter estimations, we show that the proportion of stock within the insurer’s asset portfolio substantially affects the value of the contract. 相似文献
122.
Beck R Deek J Choi MC Ikawa T Watanabe O Frey E Pincus P Safinya CR 《Langmuir : the ACS journal of surfaces and colloids》2010,26(24):18595-18599
We present persistence length measurements on neurofilaments (NFs), an intermediate filament with protruding side arms, of the neuronal cytoskeleton. Tapping mode atomic force microscopy enabled us to visualize and trace at subpixel resolution photoimmobilized NFs, assembled at various subunit protein ratios, thereby modifying the side-arm length and chain density charge distribution. We show that specific polyampholyte sequences of the side arms can form salt-switchable intrafilament attractions that compete with the net electrostatic and steric repulsion and can reduce the total persistence length by half. The results are in agreement with present X-ray and microscopy data yet present a theoretical challenge for polyampholyte interchain interactions. 相似文献
123.
Ayi A. Ayi Varsha Khare Peter Strauch Jér?me Girard Katharina M. Fromm Andreas Taubert 《Monatshefte für Chemie / Chemical Monthly》2010,41(9):1273-1278
Abstract
We report on attempts towards the synthesis of titanium nanoparticles using a wet chemical approach in imidazolium-based ionic liquids (ILs) under reducing conditions. Transmission electron microscopy finds nanoparticles in all cases. UV/Vis spectroscopy confirms the nanoparticulate nature of the precipitate, as in all cases an absorption band between ca. 280 and 300 nm is visible. IR spectroscopy shows that even after extensive washing and drying, some IL remains adsorbed on the nanoparticles. Raman spectroscopy suggests the formation of anatase nanoparticles, but X-ray diffraction reveals that, possibly, amorphous titania forms or that the nanoparticles are so small that a clear structure assignment is not possible. The report thus shows that (possibly amorphous) titanium oxides even form under reducing conditions and that the chemical synthesis of titanium nanoparticles in ILs remains elusive. 相似文献124.
Katharina Kohse‐Höinghaus Prof. Patrick Oßwald Dr. Terrill A. Cool Prof. Tina Kasper Dr. Nils Hansen Dr. Fei Qi Prof. Charles K. Westbrook Dr. Phillip R. Westmoreland Prof. 《Angewandte Chemie (International ed. in English)》2010,49(21):3572-3597
Biofuels, such as bio‐ethanol, bio‐butanol, and biodiesel, are of increasing interest as alternatives to petroleum‐based transportation fuels because they offer the long‐term promise of fuel‐source regenerability and reduced climatic impact. Current discussions emphasize the processes to make such alternative fuels and fuel additives, the compatibility of these substances with current fuel‐delivery infrastructure and engine performance, and the competition between biofuel and food production. However, the combustion chemistry of the compounds that constitute typical biofuels, including alcohols, ethers, and esters, has not received similar public attention. Herein we highlight some characteristic aspects of the chemical pathways in the combustion of prototypical representatives of potential biofuels. The discussion focuses on the decomposition and oxidation mechanisms and the formation of undesired, harmful, or toxic emissions, with an emphasis on transportation fuels. New insights into the vastly diverse and complex chemical reaction networks of biofuel combustion are enabled by recent experimental investigations and complementary combustion modeling. Understanding key elements of this chemistry is an important step towards the intelligent selection of next‐generation alternative fuels. 相似文献
125.
Katharina K. Strelau Thomas Schüler Dr. Robert Möller Dr. Wolfgang Fritzsche Dr. habil. Jürgen Popp Prof. Dr. 《Chemphyschem》2010,11(2):394-398
Surface‐enhanced Raman spectroscopy (SERS) is an emerging technology in the field of analytics. Due to the high sensitivity in connection with specific Raman molecular fingerprint information SERS can be used in a variety of analytical, bioanalytical, and biosensing applications. However, for the SERS effect substrates with metal nanostructures are needed. The broad application of this technology is greatly hampered by the lack of reliable and reproducible substrates. Usually the activity of a given substrate has to be determined by time‐consuming experiments such as calibration or ultramicroscopic studies. To use SERS as a standard analytical tool, cheap and reproducible substrates are required, preferably with a characterization technique that does not interfere with the subsequent measurements. Herein we introduce an innovative approach to produce low‐cost and large‐scale reproducible substrates for SERS applications, which allows easy and economical production of micropatterned SERS active surfaces on a large scale. This approach is based on an enzyme‐induced growth of silver nanostructures. The special structural feature of the enzymatically deposited silver nanoparticles prevents the breakdown of SERS activity even at high particle densities (particle density >60 %) that lead to a conductive layer. In contrast to other approaches, this substrate exhibits a relationship between electrical conductivity and the resulting SERS activity of a given spot. This enables the prediction of the SERS activity of the nanostructure ensemble and therewith the controllable and reproducible production of SERS substrates of enzymatic silver nanoparticles on a large scale, utilizing a simple measurement of the electrical conductivity. Furthermore, through a correlation between the conductivity and the SERS activity of the substrates it is possible to quantify SERS measurements with these substrates. 相似文献
126.
Background
Although numerous non-radioactive methods are in use to measure the catalytic activity of protein kinases, most require specialized equipment and reagents and are not sufficiently sensitive for the detection of endogenous kinase activity in biological samples. Kinases of the DYRK family have important functions in developmental and pathophysiological processes in eukaryotic organisms including mammals. We aimed to develop a highly sensitive, low-tech assay suitable to determine the activity of DYRK family kinases in tissues or cells from diverse sources. 相似文献127.
Xiao Chen Katharina Buddrus-Schiemann Michael Rothballer Petra M. Kr?mer Anton Hartmann 《Analytical and bioanalytical chemistry》2010,398(6):2669-2676
The Burkholderia cepacia complex (Bcc) employs a quorum sensing (QS) mechanism which is a cell density-dependent bacterial communication system to
regulate certain gene expressions. As with many other Gram-negative bacteria, Burkholderia cepacia species use (N-acyl-)homoserine lactones (AHLs or HSLs) as signalling molecules. Because of the essential role of QS in bacterial behavior,
the aim of this study was to demonstrate the applicability of our in-house-developed enzyme-linked immunosorbent assays (ELISAs)
for the detection of bacterial activities via HSLs in B. cepacia strain LA3 culture supernatants. For this purpose the previously developed monoclonal antibodies (mAbs) HSL1/2-2C10 and HSL1/2-4H5
were exploited. N-3-Oxo-decanoyl-L-homoserine lactone (3-oxo-C10-HSL) was used as main analyte throughout all experiments. With the bacterial
culture medium (named ABC medium) a matrix effect in both ELISAs was visible (slight increase in optical density, shift in
test midpoints (IC50) and working ranges). For example, ELISA with mAb HSL1/2-2C10 and enzyme tracer HSL3-HRP (HSL derivative conjugated to horseradish
peroxidase) had an IC50 of 120 μg L−1 for 3-oxo-C10-HSL in phosphate-buffered saline versus 372 μg L−1 in ABC medium. A significant increase of HSLs in B. cepacia strain LA3 culture supernatants after 12 h to 48 h of growth was observed. Although the analytical result of these immunoassays
cannot distinguish HSLs from homoserines (HSs), the appearance of these compounds can be easily followed. Hydrolysis and spiking
experiments were carried out with these biological samples. According to our knowledge, these are the first immunoassays for
the detection of quorum sensing molecules in biological culture supernatants. This study provides a cost-effective, fast,
and sensitive analytical method for detection of HSLs/HSs in biological samples without complex sample preparation and will
offer a quick idea about B. cepacia activities. The low sample amount requirement (less than 1 mL) constitutes a tremendous advantage for many analytical questions
with biological samples. 相似文献
128.
Ina Reiche Matthieu Lebon Céline Chadefaux Katharina Müller Anne-Solenn Le Hô Michael Gensch Ulrich Schade 《Analytical and bioanalytical chemistry》2010,397(6):2491-2499
Archaeological bone materials record characteristic markers of life in prehistoric times (dating, climate, environment, diet, human migration) in their isotopic and chemical composition in addition to palaeontological, archaeozoological, anthropological and palaeogenetic information. Thus, the discovery and conservation of archaeological bone materials is of great importance to get access to this information. However, archaeological materials are altered by different postmortem processes and it appears necessary to estimate if the archaeological information is still reliable or if it has been modified during burial. As archaeological bone materials present a high structural hierarchy at the micro- and nanoscale, changes induced by diagenetic phenomena have to be observed at these scales. One method for revealing post mortem changes of the bone structure and composition at the microscale is synchrotron radiation micro-FTIR imaging (SR micro-FTIR). Thus, thin sections of about 5,000-year-old archaeological bones have been analysed in transmission mode at the IRIS beamline (BESSY II, HZB Berlin) to determine markers of the state of bone preservation at the microscale. The archaeological bone material comes from station 19 of the Neolithic site of the Chalain Lake. By using SR micro-FTIR it was possible to image characteristic bone structures, e.g. osteons (the constitutive histological unit of cortical bone), using the absorption band ratios corresponding to different chemical bone constituents (collagen content and quality, phosphate crystallinity, carbonate content). These data allow us to precisely evaluate the state of preservation of a 5,000-year-old bone at the histological level. Figure
Chemical mapping of a thin section of the archaeological bone AB_CH19nb1 from the Neolithic station 19 at Chalain Lake 相似文献
129.
An experimental and theoretical study was conducted of the column characterization technique in which plate heights determined using the conventional pulse-response method are compared with those determined using a bi-directional method where an eluite sample is introduced into one end of a chromatographic column and elution occurs at the same end after the flow direction is reversed inside the column. Experiments are presented for a micropellicular HPLC column before and after its performance has been degraded by repeated sample injections, for a low-pressure column containing nonporous glass particles, and for an HPLC column containing particles with 300 Å pores. The results obtained are interpreted in terms of several different theories which apply in various Fourier number ranges. It was shown that the transcolumn contribution to convective dispersion in a chromatographic column is largely responsible for the difference observed between conventional and bi-directional plate-height measurements and that a collocation method can be employed to develop a useful analytical expression for this contribution. 相似文献
130.
In this paper, we propose a nonlinear PDE model for reconstructing a regular surface from sampled data. At first, we show the existence and the uniqueness of a viscosity solution to this problem. Then we propose a numerical scheme for solving the nonlinear level set equation on unstructured triangulations adapted to the data sample. We show the consistency of this scheme. In addition, we show how to compute nodewise first and second order derivatives. Some application examples of curve or surface construction are provided to illustrate the potential and to demonstrate the accuracy of this method. 相似文献