网络借贷收窄利率定价区间的影响研究——基于倾向性分数匹配法

随着网络借贷的发展,学术界对网络借贷的研究逐渐深入。利率定价机制是网络借贷机制设计的核心,体现了金融的本质——对风险的定价,并逐渐成为学术研究的话题。Wei和Lin^[1]曾记录和分析了美国网络借贷机制变更的过程。本文选用国内一家代表性的网络借贷平台数据,用倾向性分数匹配法对其利率定价机制变化前后的交易行为进行研究,发现当平台收窄了利率区间且降低了合格借款人的审核通过率,违约率反而更高。狭窄的利率区间降低了利率区分度,而利率区分度是投资人判断具体贷款所处风险水平的重要依据,实际上恶化了信息不对称,影响投资人投资行为,具体表现为满标时间延长、单笔贷款投标占比减少,并且投资人羊群行为加重。本文以期限利率周度标准差为利率区间的代理变量,解释了上述变化产生的原因。平台收窄利率区间,降低了贷款质量优劣的区分度,使得平台和投资人风险识别效率降低,未能达到平台运营优化的结果。本文丰富了网络借贷的学术研究,为网络借贷利率定价机制的发展提供参考。     

环境温度对燃气轮机功热并供装置及联合循环变工况性能的影响

采用动力机械变工况性能解析分析方法,研究了大气温度变化对燃气轮机功热并供和联合循环装置性能影响．指出燃气轮机在带有余热利用的条件下,大气温度的影响明显减弱,并对不同燃气轮机设计参数和蒸汽设计参数影响做了分析比较。     

New Algorithm for Computing LQ Suboptimal Output Feedback Gains of Decentralized Control Systems

In this paper, the problem of computing the suboptimal output feedback gains of decentralized control systems is investigated. First, the problem is formulated. Then, the gradient matrices based on the index function are derived and a new algorithm is established based on some nice properties. This algorithm shows that a suboptimal gain can be computed by solving several ordinary differential equations (ODEs). In order to find an initial condition for the ODEs, an algorithm for finding a stabilizing output feedback gain is exploited, and the convergence of this algorithm is discussed. Finally, an example is given to illustrate the proposed algorithm.     

Controllable Preparation of Nanosized LiMnPO4/C with Rod-Like Morphology by Hydrothermal Method with Excellent Electrochemical Performance

The nanosized rod-like LiMnPO₄/C cathode materials have successfully in situ synthesized on the surface of flaky structure MnPO₄ · H₂O self-sacrificing template by the hydrothermal method. The crystal microstructure, micro shape, and electrochemical parameters of LiMnPO₄/C are comprehensively studied by XRD, SEM, TEM, and electrochemical measurement methods. The physical and chemical properties analysis confirms that the vinyl acetate solution (VAc-H₂O) with a proper molar ratio is beneficial to generate orthorhombic olivine structure LiMnPO₄ with microporous structure and nanorod-shaped morphology. The electrochemical measurement results indicate that LMP-X1-AA sample delivers an initial discharge capacity of 148.1 mAh g⁻¹ at 0.05 C, the capacity retention rate still maintains at 89.2% after 200 cycles. As the discharge rate increases to 1 C, the discharge capacity still remains at 133.4 mAh g⁻¹. The results indicate that the synergistic effect of nanosized rod-like morphology and conductive carbon coating is beneficial to improving the lithium ions diffusivity and electrochemical properties of LiMnPO₄ materials.     

流量大小对混合流场特性等的影响

在主、副气流各组份的流量比不变的情况下,改变输入氧碘化学激光器(COIL)光腔总气流流量,数值模拟给出了COIL拉伐尔喷管主、副气流混合状况和各物理量的分布等,通过对这些结果进行对比分析得出输入COIL光腔总气流流量增加三倍,氧碘气流的混合状况稍稍变差,但Mach数和密度等的分布和变化规律基本不变.     

叶片扩压器进口安装角对离心压缩机性能影响的数值与实验研究

对不同扩压器进口安装角下离心压缩机的性能进行了实验研究,并详细计算分析了相应的流场分布。分析表明, 不同的进口安装角对压缩机的流动有较大的影响,压缩机的性能曲线也有不同程度的左右偏移;进口处较大的正冲角和负冲角均会在扩压器叶片表面出现大尺度的分离涡团;在给定的流量工况下,应存在一个最佳的进口安装角,使得扩压器效率最高;设计工况下,最高效率所对应的冲角并非为零。     

多级轴流压气机全工况特性计算

本文使用三维粘性流动计算软件Fine／Numeca,对某十五级轴流压气机进行了内流流场和全工况特性的数值计算尝试。分析了该压气机在设计工况和非设计工况的性能,同时把整机计算结果和前七级叶片的计算结果进行了比较。计算结果表明,当计算的级数较少时,目前的软件和硬件平台可以比较合理地预测压气机的全工况特性;而当计算的级数较多时,准确的数值模拟仍需要更为准确的多级模型和数值方法。     

动叶顶部间隙对1+1/2对转涡轮性能的影响

本文对1+1／2对转涡轮中动叶顶部间隙大小对涡轮性能的影响进行了详细的数值模拟。对涡轮总体性能参数、节距平均出口气流角、出口节距平均相对马赫数以及不同叶高的负荷进行了对照,发现间隙对1+1／2对转涡轮性能影响明显,尤其是当间隙较大时。当低压动叶间隙宽度达到高压动叶前缘叶高的4．5％时,低压动叶间隙中流动普遍超音,在设计1+1／2对转涡轮时需要加以重点考虑。     

超薄层BCP对有机电致发光器件性能的影响

采用真空热蒸镀的方法,在常规的双层器件结构的基础上,设计了三层双异质结有机电致发光器件(OLED):indium-tin oxide(ITO)/N,N′-diphenyl-N,N′-bis(1-naphthyl)(1,1′-biphenyl)-4,4′-diamine(NPB)/2,9-dimethyl-4,7-diphenyl-1,10-phenan throline(BCP)/8-hydroxyquinoline aluminum(Alq3)/Mg∶Ag。通过对器件的电致发光(EL)光谱及器件性能的表征,研究了不同超薄层BCP的厚度对OLED器件性能的影响。结果表明,当超薄层BCP的厚度从0.1nm逐渐增加到4.0nm时,器件的EL光谱实现了绿光→蓝绿光→蓝光的变化;BCP层有效地调节了载流子的复合区域,改变了器件的发光颜色,提高了器件的亮度和发光效率。     

Performance analysis of an integrated scheme in optical burst switching high-speed networks

A new integrated scheme based on resource-reservation and adaptive network flow routing to alleviate contention in optical burst switching networks is proposed. The objective of the proposed scheme is to reduce the overall burst loss in the network and at the same time to avoid the packet out-of-sequence arrival problem. Simulations are carried out to assess the feasibility of the proposed scheme. Its performance is compared with that of contention resolution schemes based on conventional routing. Through extensive simulations, it is shown that the proposed scheme not only provides significantly better burst loss performance than the basic equal proportion and hop-length based traffic routing algorithms, but also is void of any packet re-orderings.