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961.
Gang Li Hong-Dong Ma Rong-Yue Liu Meng-Di Shen Ke-Xin Zhang 《Entropy (Basel, Switzerland)》2021,23(5)
Background: the credit scoring model is an effective tool for banks and other financial institutions to distinguish potential default borrowers. The credit scoring model represented by machine learning methods such as deep learning performs well in terms of the accuracy of default discrimination, but the model itself also has many shortcomings such as many hyperparameters and large dependence on big data. There is still a lot of room to improve its interpretability and robustness. Methods: the deep forest or multi-Grained Cascade Forest (gcForest) is a decision tree depth model based on the random forest algorithm. Using multidimensional scanning and cascading processing, gcForest can effectively identify and process high-dimensional feature information. At the same time, gcForest has fewer hyperparameters and has strong robustness. So, this paper constructs a two-stage hybrid default discrimination model based on multiple feature selection methods and gcForest algorithm, and at the same time, it optimizes the parameters for the lowest type II error as the first principle, and the highest AUC and accuracy as the second and third principles. GcForest can not only reflect the advantages of traditional statistical models in terms of interpretability and robustness but also take into account the advantages of deep learning models in terms of accuracy. Results: the validity of the hybrid default discrimination model is verified by three real open credit data sets of Australian, Japanese, and German in the UCI database. Conclusions: the performance of the gcForest is better than the current popular single classifiers such as ANN, and the common ensemble classifiers such as LightGBM, and CNNs in type II error, AUC, and accuracy. Besides, in comparison with other similar research results, the robustness and effectiveness of this model are further verified. 相似文献
962.
Time-varying autoregressive (TVAR) models are widely used for modeling of non-stationary signals. Unfortunately, online joint adaptation of both states and parameters in these models remains a challenge. In this paper, we represent the TVAR model by a factor graph and solve the inference problem by automated message passing-based inference for states and parameters. We derive structured variational update rules for a composite “AR node” with probabilistic observations that can be used as a plug-in module in hierarchical models, for example, to model the time-varying behavior of the hyper-parameters of a time-varying AR model. Our method includes tracking of variational free energy (FE) as a Bayesian measure of TVAR model performance. The proposed methods are verified on a synthetic data set and validated on real-world data from temperature modeling and speech enhancement tasks. 相似文献
963.
Amira I. Zaki Mai Abdelgelil Said E. El-Khamy Waleed K. Badawi 《Entropy (Basel, Switzerland)》2021,23(1)
The 5G technology is a promising technology to cope with the increasing demand for higher data rate and quality of service. In this paper, two proposed techniques are implemented for multiple input multiple output (MIMO) self-heterodyne OFDM system to enhance data rate and minimize the bit error rate (BER). In both of the two proposed techniques, Band Selection (BS) approach is used, once with Space Time Block Coded (STBC) for the first proposed technique (BS- STBC), and once again with Frequency Space Time Block Coded (FSTBC) for the second proposed technique (BS-FSTBC). The use of the BS in the proposed techniques helps to choose the sub-band with better subchannels gains for sending the information and consequently, minimize the BER. Moreover, the use of the FSTBC instead of STBC helps to use the spectral efficiently and hence increase data rate. The simulation results show that the proposed techniques BS-STBC and BS-FSTBC, for the MIMO self-heterodyne OFDM system, provide a great enhancement in the BER performance when compared to the conventional techniques. Moreover, the simulation results show that the first proposed technique BS-FSTBC outperform the second propose technique BS-STBC in term of the BER performance. 相似文献
964.
Information geometry has offered a way to formally study the efficacy of scientific models by quantifying the impact of model parameters on the predicted effects. However, there has been little formal investigation of causation in this framework, despite causal models being a fundamental part of science and explanation. Here, we introduce causal geometry, which formalizes not only how outcomes are impacted by parameters, but also how the parameters of a model can be intervened upon. Therefore, we introduce a geometric version of “effective information”—a known measure of the informativeness of a causal relationship. We show that it is given by the matching between the space of effects and the space of interventions, in the form of their geometric congruence. Therefore, given a fixed intervention capability, an effective causal model is one that is well matched to those interventions. This is a consequence of “causal emergence,” wherein macroscopic causal relationships may carry more information than “fundamental” microscopic ones. We thus argue that a coarse-grained model may, paradoxically, be more informative than the microscopic one, especially when it better matches the scale of accessible interventions—as we illustrate on toy examples. 相似文献
965.
Wenming Jiang Jiang Bian Song Gao Mingcan Chen Shilin Du 《Journal of Dispersion Science and Technology》2017,38(5):671-676
Surface tension is an important thermodynamic parameter. In researching the removal mechanism of CO2 in natural gas in supersonic expansion process, the most basic and important task is to calculate the surface tension of CO2 under low-temperature and high-pressure condition. In this paper, a comparative study on the relevant calculation methods is carried out and the computational method applied to simulate the phase transition of CO2 supersonic condensation is selected. On this basis, the CO2 surface tension calculation model is modified and the calculation method, by using the piecewise function, is proposed. The results show that the average deviation of the piecewise function is only 0.95%, which is lower than the deviation of any single correlation. It can achieve an accurate prediction of the surface tension of the liquid CO2. 相似文献
966.
This paper employs a multivariate extreme value theory (EVT) approach to study the limit distribution of the loss of a general credit portfolio with low default probabilities. A latent variable model is employed to quantify the credit portfolio loss, where both heavy tails and tail dependence of the latent variables are realized via a multivariate regular variation (MRV) structure. An approximation formula to implement our main result numerically is obtained. Intensive simulation experiments are conducted, showing that this approximation formula is accurate for relatively small default probabilities, and that our approach is superior to a copula-based approach in reducing model risk. 相似文献
967.
Shilpi Verma 《Optimization》2017,66(11):1879-1894
This paper deals with COTS evaluation and selection for developing a modular software system under single application development task. We consider both quantitative and qualitative criteria which fulfils the specific needs of a software system. We use analytical hierarchy process (AHP) technique for evaluating the fitness of COTS components based upon various criteria and sub-criteria thereby providing overall score of each COTS component. We develop optimization models integrating AHP and multi-criteria decision-making, which aim at: (i) maximize the total value of purchasing (TVP) subject to budget, compatibility and reliability constraints, and (ii) maximize TVP and minimize the total cost of purchase simultaneously subject to compatibility and reliability constraints. The efficiency of the models is illustrated by means of numerical illustrations. 相似文献
968.
969.
全球金融危机、英国公投脱欧等事件无不冲击着中国银行业,系统性风险的准确预测再一次成为了关注的焦点.随着互联互通程度的增强,网络效应成为了系统性风险研究所必要考虑的因素.完全从网络内部影响的视角,通过计算资产间相关性系数来构建网络,再考虑网络效应推导资产组合理论从而得出新的风险度量公式.之后,选取了10家银行为研究对象,分析了其在2008年1月至2016年6月的风险变化情况.最后,通过对比得出新构建公式预测风险具有准确度高、参考价值大和及时性强等优点. 相似文献
970.
变量选择有助于简化模型,提高估计和预测的精度,但目前鲜有涉及面板半参数空间自回归模型变量选择的研究。本文在ALASSO的基础上提出了SSAR-ALASSO法,该法的核心在于惩罚函数的选择和目标函数的构建。SSAR-ALASSO在变量和参数的对应关系、惩罚函数的选择、特殊参数的取值区间以及适用模型等方面与ALASSO存在差异。模拟结果显示,SSAR-ALASSO法在变量选择的准确性和参数估计的精度两方面均表现良好,随着样本容量的增加表现效果更佳。本文在碳排放量影响因素实证中采用SSAR-ALASSO法对STIRPAT模型进行变量选择。研究结果表明人均财富、技术水平、产业结构、所有制结构和产业集聚显著影响碳排放量,城市化、对外开放、能源价格和环境政策对碳排放量无显著影响。 相似文献