基本信息
Urban commercial banks in China have accomplished remarkable achievements in information development in recent years, but data mining technology has become a bottleneck in the developing process. Advancing and applying data mining technology will help urban commercial banks discover customer values and improve customer relationship, based on which better decisions and management will be achieved, and so will core competitiveness.
近年來我國城市商業銀行的信息化發展已經取得了一定的成績,但數據挖掘技術已成為城市商業銀行信息化發展的瓶頸,充分發展和利用數據挖掘技術,能幫助城市商業銀行挖掘客戶價值,提升客戶關係,並在此基礎上完善決策與管理,提高其的核心競爭力。
文摘來源
The bandgap narrowing is distributed between the conduction and valence bands,according to the Jain-Roulston model,and its effects on the currents of abrupt AlGaAs/GaAs HBTs including the self-heating effect,are analyzed.By comparison experimental results with the results of other distribution models of BGN commonly used in commercial software,it can be concluded that using an accurate dopant-dependent BGN distribution model between bands is very important.
基於禁帶變窄量在導帶和價帶之間的分布比例與摻雜濃度相關的Jain-Roulston模型,研究了重摻雜能帶結構的變化對突變異質結HBT電流影響.研究表明禁帶變窄量在導、價帶間分布模型選用的不同,計算結果之間有明顯的差別,基於Jain-Roulston分布模型的結果同實驗測量符合很好.因此對於突變HBT性能分析,必須精確考慮重摻雜禁帶變窄量在能帶上的具體分布.
文摘來源
The paper begins with an analysis of the theoretical base for establishing the system of provision against risks from the point of view of risk management by commercial banks and accounting theory. First, the history and current development of such a system in our commercial banks are reviewed and summarized. Then, annual statements of five domestic listed banks for 2004 are examined to study their management over provision against risks and incumbent system construction. With that, an integrate...
本文首先從商業銀行風險管理和會計理論角度研究分析了建立風險撥備制度的理論基礎。其次回顧總結了我國商業銀行風險撥備制度的歷史沿革和發展現狀,並結合國內五家上市銀行2004年年報,簡要分析了目前國內商業銀行風險撥備管理情況和制度建設現狀。在此基礎上,筆者提出構建商業銀行全面風險撥備體系的構想,結合上市銀行計提減值準備的實際情況,對貸款、投資和應收款項減值準備計提相關問題進行具體分析,並提出在實施全面風險撥備管理過程中應該注意轉變觀念、規範操作、加強審計和監管力度、加大配套環境和制度建設等問題。
