The Leymus chinensis grassland is one of themost widely distributed associations in the warmtemperate grassland and due to overgrazing in recent years,it has experienced varying degrees of degradation.Vegetative regen...The Leymus chinensis grassland is one of themost widely distributed associations in the warmtemperate grassland and due to overgrazing in recent years,it has experienced varying degrees of degradation.Vegetative regeneration via bud banks serves as the primaryway of vegetation reproduction in the L.chinensis grassland ecosystem.However,the role of the bud bank in the vegetation regeneration of grazing grassland remains unclear.Based on the relationship between the under-ground bud bank and above-ground vegetation of L.chinensis grassland under different grazing stages,this study aimed to explore whether the grazing grassland could self-recover through the existing bud bank.The findings revealed that the bud density initially increased and then decreased with increasing grazing intensity,indicating that appropriate grazing promoted vegetation renewal.Moreover,grazing significantly influenced the composition of the bud bank:during the early grazing stage,the rhizome buds accounted for the main part,and tiller buds dominated during the mid-stage grazing;while during the late-stage grazing,root-sprouting buds prevailed.The meristem restriction index for light,moderate,and heavy grazing grasslands was close to one;conversely,overgrazing and extreme overgrazing grasslands exhibited the highermeristemrestriction index(2.00,3.19),suggesting that plant regeneration was constrained by bud banks under light-grazing conditions where regenerate rates failed to meet above-ground modular’s recovery requirements following overgrazing and extreme overgrazing events.Consequently,moderate grazing grasslands could achieve natural community recovery by continuously adjusting their vegetative regeneration strategies.Understanding the role of bud banks in vegetative regeneration in grazing grassland will not only supply theoretical support for the ecological succession process of degraded grassland but also provide practical experience for the sustainable management of the L.chinensis grassland ecosystem.展开更多
The optimal allocation of foreign resources requires a minimum level of domestic development,including financial development to benefit from the potential benefits of foreign direct investment.This study discusses the...The optimal allocation of foreign resources requires a minimum level of domestic development,including financial development to benefit from the potential benefits of foreign direct investment.This study discusses the mediating role of financial development in the effect of foreign direct investment on economic growth and establishes the banking sector threshold for the 18 least developed African countries over the period 2000 to 2020.We used the generalized method of moments(GMM)and the threshold regression(TR)as part of the dynamic panel data model.The results show the non-significant contribution of foreign direct investment and the banking sector to economic growth.After interaction,the effect of foreign direct investment becomes positive but not significant.However,the coefficient of the interaction variable is significantly negative.This implies that the financial system is unable to allocate foreign resources efficiently.For this reason,this paper resorted to applying the threshold regression to determine the minimum threshold of the banking sector and established a threshold of 74.58%.It therefore becomes necessary for the 18 least developed African countries to develop the financial system in order to get full benefits of foreign direct investment.展开更多
Amid the deepening implementation of rural revitalization strategies and rapid fintech development,rural commercial banks-core financial institutions serving agriculture,rural areas,and farmers(the“three rurals”)and...Amid the deepening implementation of rural revitalization strategies and rapid fintech development,rural commercial banks-core financial institutions serving agriculture,rural areas,and farmers(the“three rurals”)and county economies-have seen their tellers’service quality and operational efficiency directly impact market competitiveness and sustainable development capabilities.This study examines teller performance management in rural commercial banks from a business management perspective.By analyzing structural issues in existing performance management systems and integrating theoretical frameworks with industry case studies,it proposes systematic optimization measures.The research aims to provide practical references for establishing scientific and efficient teller performance management systems in rural commercial banks,thereby enhancing service quality,strengthening talent support,and better serving the rural financial market.展开更多
Reconfiguration,as well as optimal utilization of distributed generation sources and capacitor banks,are highly effective methods for reducing losses and improving the voltage profile,or in other words,the power quali...Reconfiguration,as well as optimal utilization of distributed generation sources and capacitor banks,are highly effective methods for reducing losses and improving the voltage profile,or in other words,the power quality in the power distribution system.Researchers have considered the use of distributed generation resources in recent years.There are numerous advantages to utilizing these resources,the most significant of which are the reduction of network losses and enhancement of voltage stability.Non-dominated Sorting Genetic Algorithm II(NSGA-II),Multi-Objective Particle Swarm Optimization(MOPSO),and Intersect Mutation Differential Evolution(IMDE)algorithms are used in this paper to perform optimal reconfiguration,simultaneous location,and capacity determination of distributed generation resources and capacitor banks.Three scenarios were used to replicate the studies.The reconfiguration of the switches,as well as the location and determination of the capacitor bank’s optimal capacity,were investigated in this scenario.However,in the third scenario,reconfiguration,and determining the location and capacity of the Distributed Generation(DG)resources and capacitor banks have been carried out simultaneously.Finally,the simulation results of these three algorithms are compared.The results indicate that the proposed NSGAII algorithm outperformed the other two multi-objective algorithms and was capable of maintaining smaller objective functions in all scenarios.Specifically,the energy losses were reduced from 211 to 51.35 kW(a 75.66%reduction),119.13 kW(a 43.54%reduction),and 23.13 kW(an 89.04%reduction),while the voltage stability index(VSI)decreased from 6.96 to 2.105,1.239,and 1.257,respectively,demonstrating significant improvement in the voltage profile.展开更多
During the construction of bank slopes involving pile driving,ensuring slope stability is crucial.This requires the design of appropriate support systems and a thorough evaluation of the failure mechanisms of pile str...During the construction of bank slopes involving pile driving,ensuring slope stability is crucial.This requires the design of appropriate support systems and a thorough evaluation of the failure mechanisms of pile structures under dynamic loading conditions.Based on the Huarong Coal Wharf project,various support schemes are analyzed using numerical simulation methods to calculate and compare slope stability coefficients.The optimal scheme is then identified.Under the selected support scheme,a numerical model of double-row suspended steel sheet piles is developed to investigate the dynamic response of the pile structures under pile driving loads.A time-history analysis is performed to assess the slope’s dynamic stability.The results show that the maximum displacements of the upper and lower steel sheet pile rows are 2.51 and 3.14 cm,respectively.The maximum principal stresses remain below 20 MPa in both rows,while the maximum von Mises stresses are 20.85 MPa for the upper row and 25.40 MPa for the lower row.The dominant frequencies of the steel sheet pile structures fall between 30 and 35 Hz,with a frequency bandwidth ranging from 0 to 500 Hz.The stability coefficient of the pile structures varies over time during the pile driving process,ultimately reaching a value of 1.26—exceeding the required safety threshold.This research provides practical guidance for designing support systems in wharf piling projects and offers a reliable basis for evaluating the safety performance of steel sheet piles in bank slopes.展开更多
With the advancement of globalization,South Korea has become a key destination for international students.However,these students often face challenges in adapting to daily life,particularly when using mobile banking a...With the advancement of globalization,South Korea has become a key destination for international students.However,these students often face challenges in adapting to daily life,particularly when using mobile banking applications,due to insufficient language support,cultural differences,and complex operational procedures.This study focuses on Chinese international students and analyzes the UI/UX design of mobile banking applications offered by Kookmin Bank and Hana Bank.Through literature reviews and surveys,the study identifies limitations in language adaptability,functionality layout,user interaction,and cultural adaptation,proposing concrete design improvements.The findings indicate that optimizing UI/UX design can significantly enhance international students’user experience and strengthen the global competitiveness of South Korean mobile banking services.This research provides reference material for designing for multicultural user groups and aims to promote research and practice in cross-cultural UI/UX design.展开更多
The rapid development of digital finance is profoundly changing the structure and management mode of bank credit.Through mobile banking,artificial intelligence,big data,cloud computing,and online lending platforms,ban...The rapid development of digital finance is profoundly changing the structure and management mode of bank credit.Through mobile banking,artificial intelligence,big data,cloud computing,and online lending platforms,banks are able to optimize credit services,increase efficiency,and improve access to credit[1].This evolution began in the late 20th century and accelerated after the 2008 global financial crisis.Through automated approval,precise risk assessment,and real-time monitoring,digital finance has improved credit efficiency,reduced costs,promoted financial inclusion,and enabled groups not covered by traditional financial services to gain support.However,the popularity of digital finance has also brought new challenges,such as consumer protection,cybersecurity,and fraud risks,and there is an urgent need to update the regulatory framework to address these issues.Nonetheless,the technological spillover effects of digital finance have promoted bank credit innovation and improved market competitiveness.This paper analyzes the role of digital finance in credit efficiency,cost,risk management,and financial inclusion,and puts forward policy recommendations to deal with potential risks and ensure the stability and sustainable development of the financial system.展开更多
In the paper,copepod universal formulas are applied to construct a copepod individual-based model(IBM),and a genetic algorithm(GA)is incorporated in the formulas with genes as species parameters.The IBM initially cons...In the paper,copepod universal formulas are applied to construct a copepod individual-based model(IBM),and a genetic algorithm(GA)is incorporated in the formulas with genes as species parameters.The IBM initially constructs the individuals with all possible genes similar to the original state of natural selection.Climate-averaged temperature and chlorophyll a(Chl a)time series at the surface layer of fixed points in the Georges Bank(GB)and the Gulf of Maine(GOM)are taken as the model environment.The IBM has been running for 50 a in the environment without inter-annual change.The IBM results indicate that some of the life history traits of the top ten abundant species output by the IBM in the GB and the GOM are consistent with the real species Calanus finmarchicus,Pseudocalanus spp.,Centropages typicus,and Centropages hamatus in terms of reproduction strategy,time to reach the maximum abundance,water temperature preference,and adult body mass.The study of the top ten abundant species with multidimensional scaling(MDS)and clustering analysis(CA)methods indicates that reproduction strategy is the basis for grouping.For the species taking the broadcasting strategy,both GB and GOM environments tend to choose smallbodied species with cold-water preference,such as Pseudocalanus spp.;for the species taking the egg-carrying strategies,the GB environment selects large-bodied species with cold-water preference,such as C.finmarchicus,while the GOM environment selects medium-bodied species with warm-water preference,such as Centropages spp.(C.typicus and C.hamatus).After gene mutation is added to the IBM,the model result gets simple,which needs to be further improved.The significance of the paper lies in systematically studying the impact of GB and GOM environments on the evolutionary life history traits of copepods for the first time.展开更多
Rapid and reliable onboard optimization of bank angle profiles is crucial for mitigating uncertainties during Mars atmospheric entry.This paper presents a neural-network-accelerated methodology for optimizing parametr...Rapid and reliable onboard optimization of bank angle profiles is crucial for mitigating uncertainties during Mars atmospheric entry.This paper presents a neural-network-accelerated methodology for optimizing parametric bank angle profiles in Mars atmospheric entry missions.The methodology includes a universal approach to handling path constraints and a reliable solution method based on the Particle Swarm Optimization(PSO)algorithm.For illustrative purposes,a mission with the objective of maximizing terminal altitude is considered.The original entry optimization problem is converted into optimizing three coefficients for the bank angle profiles with terminal constraints by formulating a parametric Mars entry bank angle profile and constraint handling methods.The parameter optimization problem is addressed using the PSO algorithm,with reliability enhanced by increasing the PSO swarm size.To improve computational efficiency,an enhanced Deep Operator Network(Deep ONet)is used as a dynamics solver to predict terminal states under various bank angle profiles rapidly.Numerical simulations demonstrate that the proposed methodology ensures reliable convergence with a sufficiently large PSO swarm while maintaining high computational efficiency facilitated by the neural-network-based dynamics solver.Compared to the existing methodologies,this methodology offers a streamlined process,the reduced sensitivity to initial guesses,and the improved computational efficiency.展开更多
This research centers on commercial banks'human resource allocation.It constructs a staffing model grounded in human capital value creation theory and analyzes relevant factors through longitudinal panel data regr...This research centers on commercial banks'human resource allocation.It constructs a staffing model grounded in human capital value creation theory and analyzes relevant factors through longitudinal panel data regression.Taking City Commercial Bank A as an instance,the model identifies 12.3%redundant positions and matches jobs with business scale.Additionally,the study proposes a“staffing effectiveness salary”system,providing a framework for optimizing commercial bank human capital in the digital age.展开更多
In the year 1971,the world’s biggest structural biology collaboration name—The Research Collaboratory for Structural Bioinformatics(RCSB),was formed to gather all the structural biologists at a single platform and t...In the year 1971,the world’s biggest structural biology collaboration name—The Research Collaboratory for Structural Bioinformatics(RCSB),was formed to gather all the structural biologists at a single platform and then extended out to be the world’s most extensive structural data repository named RCSB-Protein Data Bank(PDB)(https://www.rcsb.org/)that has provided the service for more than 50 years and continues its legacy for the discoveries and repositories for structural data.The RCSB has evolved from being a collaboratory network to a full-fledged database and tool with a huge list of protein structures,nucleic acid-containing structures,ModelArchive,and AlphaFold structures,and the best is that it is expanding day by day with computational advancement with tools and visual experiences.In this review article,we have discussed how RCSB has been a successful collaboratory network,its expansion in each decade,and how it has helped the ground-breaking research.The PDB tools that are helping the researchers,yearly data deposition,validation,processing,and suggestions that can help the developer improve for upcoming years are also discussed.This review will help future researchers understand the complete history of RCSB and its developments in each decade and how various future collaborative networks can be developed in various scientific areas and can be successful by keeping RCSB as a case study.展开更多
This study examines the impact of banks’environmental,social,and governance(ESG)disclosure assurance(BEDA)on borrowing enterprises’ESG performance to investigate China’s bank-enterprise loan relationships.Using man...This study examines the impact of banks’environmental,social,and governance(ESG)disclosure assurance(BEDA)on borrowing enterprises’ESG performance to investigate China’s bank-enterprise loan relationships.Using manually collected bank loan relationship data and financial data of Chinese listed companies from 2010 to 2021,our findings reveal that BEDA significantly enhances borrowers’ESG performance.Moreover,this effect is more pronounced when banks have a higher information demand,better internal controls,and share auditors with borrowers;when borrowers operate in environmentally sensitive industries,and in the period following the Paris Agreement signing.Among the individual ESG subcategories,the impact of BEDA on borrowers’ESG performance is primarily reflected in environmental(E)and social(S)considerations.Finally,we do not find that BEDA significantly suppresses banks’greenwashing.These findings indicate that BEDA has an informational or advisory influence on banks’ESG governance rather than a supervisory role at this stage of sustainability reporting development.This study suggests that policymakers should guide BEDA’s evolution from a passive information tool to a proactive governance tool,facilitating enterprises in achieving sub‐stantive ESG transformations while reducing systemic greenwashing risks.展开更多
In the process of implementing data openness between banks and fin-tech companies,as the breadth and depth of cooperation between banks and enterprises continue to increase,there is a risk of“too much correlation to ...In the process of implementing data openness between banks and fin-tech companies,as the breadth and depth of cooperation between banks and enterprises continue to increase,there is a risk of“too much correlation to fail”and“too many links to fail”.There are problems with the implementation of financial data openness by regulatory agencies for banks and fin-tech enterprises,such as the ambiguity of regulatory responsibilities,the emphasis on financial regulatory goals,and the lag in regulatory methods.To address these issues,it is necessary to clarify the responsibilities of financial regulatory agencies,establish a collaborative mechanism for financial regulation,coordinate the types of risks in bank enterprise cooperation,achieve the technical implementation of financial regulatory measures and the design of regulatory systems,obtain regulatory data in real time,establish a hierarchical regulatory system for bank enterprise cooperation to improve the regulatory path,and ensure the rational and legal use of financial data in bank enterprise cooperation.展开更多
Effective corporate governance and sound macroprudential policies are crucial to the stability and sustainable development of the banking sector in China.This paper uses panel data sets from 31 listed Chinese commerci...Effective corporate governance and sound macroprudential policies are crucial to the stability and sustainable development of the banking sector in China.This paper uses panel data sets from 31 listed Chinese commercial banks between 2007 and 2023 to examine how corporate governance and macroprudential regulation influence bank risk-taking.To achieve this,we constructed a set of micro-level corporate governance indicators.The findings show that corporate governance significantly reduces bank risk-taking,while macroprudential regulation positively moderates this relationship.Furthermore,business diversification and loan concentration are the key mechanisms through which corporate governance mitigates risk-taking.We confirmed the soundness of these findings by using robust econometric techniques,including difference-in-differences,system GMM,and alternative independent variables.This study provides valuable insights for optimizing bank capital structures,enhancing corporate governance,improving personnel management,and clarifying the roles of regulators in refining the macroprudential regulatory framework.展开更多
The rapid development of digital financial inclusion is profoundly changing the financing environment for small and medium-sized enterprises(SMEs).As an important driver of economic growth and innovation,SMEs account ...The rapid development of digital financial inclusion is profoundly changing the financing environment for small and medium-sized enterprises(SMEs).As an important driver of economic growth and innovation,SMEs account for a significant share of employment and GDP globally.However,the traditional bank credit model has long failed to effectively meet the financing needs of SMEs due to issues such as information asymmetry,high cost,and difficulty in risk assessment,resulting in serious financing constraints.Digital financial inclusion,through technological innovation and big data analysis,has significantly reduced credit costs,alleviated information asymmetry,and provided SMEs with more flexible and efficient financing channels.Research shows that digital financial inclusion can not only ease the financing constraints of SMEs,but also promote their innovation and growth,providing important support for building a more inclusive and sustainable financial ecosystem.展开更多
This study aims to explore the relationship between the driving factors,implementation measures,and effects of financial management digital transformation in the banking industry in Jinan,Shandong Province,China.Faced...This study aims to explore the relationship between the driving factors,implementation measures,and effects of financial management digital transformation in the banking industry in Jinan,Shandong Province,China.Faced with intense competition driven by advancements in financial technology,evolving customer demands,and policy support,digital transformation has become a critical strategy for enhancing operational efficiency and market competitiveness.Leveraging the researcher's extensive professional experience and employing scientific research methods and tools,the study conducted an online survey across multiple banking institutions in Jinan,collecting 305 valid responses from senior management,financial department heads,IT personnel,middle management,and financial and audit staff.The questionnaire was designed around key dimensions of financial management digital transformation,including driving factors,implementation measures,and effect evaluation,covering variables such as technology adoption,process optimization,employee training,data security,and organizational adjustments.Quantitative analysis methods,including reliability analysis,validity analysis,descriptive analysis,regression analysis,and chi-square independence tests,were used to ensure data quality and uncover inherent patterns.The findings reveal significant relationships between driving factors(e.g.,financial technology advancements,market demand,and policy support)and transformation effects(e.g.,operational efficiency,resource allocation,and customer experience),with notable differences in implementation outcomes across different types of banks.Based on these insights,the study provides strategic recommendations for optimizing digital transformation in Jinan's banking industry,aiming to enhance operational efficiency,improve financial service quality,and support sustainable industry development.展开更多
Fluctuations in real estate prices are closely linked to the macro-economy,exerting a profound influence on social investment and consumption levels.As a key source of funding for the real estate market,bank credit si...Fluctuations in real estate prices are closely linked to the macro-economy,exerting a profound influence on social investment and consumption levels.As a key source of funding for the real estate market,bank credit significantly affects housing price changes in major Chinese cities.This paper explores the transmission mechanisms and pathways of bank credit on real estate prices through theoretical analysis and empirical research.It constructs a panel regression model to empirically analyze the relationship between bank credit scale and housing prices in 35 large and medium-sized Chinese cities from 2012 to 2022,assess the impact of credit on housing price fluctuations,and compare differences between first-tier and second-tier cities.Based on these findings,the paper proposes suggestions for regulating housing prices by controlling credit scale,aiming to deepen the understanding of the relationship between bank credit and housing prices and support the stable development of China’s macro-economy and real estate market.展开更多
This paper analyzes the advantages of legal digital currencies and explores their impact on bank big data practices.By combining bank big data collection and processing,it clarifies that legal digital currencies can e...This paper analyzes the advantages of legal digital currencies and explores their impact on bank big data practices.By combining bank big data collection and processing,it clarifies that legal digital currencies can enhance the efficiency of bank data processing,enrich data types,and strengthen data analysis and application capabilities.In response to future development needs,it is necessary to strengthen data collection management,enhance data processing capabilities,innovate big data application models,and provide references for bank big data practices,promoting the transformation and upgrading of the banking industry in the context of legal digital currencies.展开更多
This paper studies banking efficiency from a Kuwaiti banking sector perspective. This will be accomplished by comparing and analysing the efficiency of Kuwaiti banking operations before and after the International Fin...This paper studies banking efficiency from a Kuwaiti banking sector perspective. This will be accomplished by comparing and analysing the efficiency of Kuwaiti banking operations before and after the International Financial Crisis. Traditional and Islamic banks will be taken into consideration. The overall goal of this inquiry is to determine whether the efficiency of Kuwaiti banks has improved and why. Internal and external influences on Kuwaiti banking efficiency will be examined as well. Methods of work performed by bank managers and policy makers in Kuwait contributing to banking operations efficiency will be considered as well.展开更多
The combination patterns and depositional characteristics of the carbonate banks are investigated based on outcrop sections, thin sections, and carbon isotopes of Ordovician in the western Tarim Basin, China. Four car...The combination patterns and depositional characteristics of the carbonate banks are investigated based on outcrop sections, thin sections, and carbon isotopes of Ordovician in the western Tarim Basin, China. Four carbonate bank combination patterns are deposited in the Ordovician, western Tarim Basin, including： Reef-Bank Complex （RBC）, Algae-Reef-Bank Interbed （ARBI）, Thick-Layer Cake Aggradation Bank （TLCAB）, and Thin-Layer Cake Retrogradation Bank （TLCRB）. All combination patterns show clear periods vertically. The RBC is mainly composed of reefs and bioclastic banks, and the dimension of the RBC depends on the scale of the reefs. Bioclastic banks deposits surround the reefs. The range of the ARBI is determined by the scale of algae-reefs, algae peloid dolomite microfacies and algal dolomite microfacies deposit alternating vertically. TLCAB and TLCRB are deposited as layer-cakes stacking in cycles and extending widely with cross bedding developed. The grains of TLCAB and TLCRB are diverse and multi-source. With the impacting of relative sea level change, biological development and geomorphology, the ARBI, TLCAB or TLCRB, RBC are successively developed from the Lower Ordovician Penglaiba Formation to the Middle Ordovician Yijianfang Formation. The depositional environment analysis of Ordovician indicates that the RBC and ARBI can form effective oil and gas reservoirs, and the TLCAB and TLCRB have the potential to form the huge scale oil and gas reservoirs and to be the crucial targets of exploration for the Ordovician carbonate banks in the future.展开更多
基金supported by the National Natural Science Foundation of China(42377458 and 41907411).
文摘The Leymus chinensis grassland is one of themost widely distributed associations in the warmtemperate grassland and due to overgrazing in recent years,it has experienced varying degrees of degradation.Vegetative regeneration via bud banks serves as the primaryway of vegetation reproduction in the L.chinensis grassland ecosystem.However,the role of the bud bank in the vegetation regeneration of grazing grassland remains unclear.Based on the relationship between the under-ground bud bank and above-ground vegetation of L.chinensis grassland under different grazing stages,this study aimed to explore whether the grazing grassland could self-recover through the existing bud bank.The findings revealed that the bud density initially increased and then decreased with increasing grazing intensity,indicating that appropriate grazing promoted vegetation renewal.Moreover,grazing significantly influenced the composition of the bud bank:during the early grazing stage,the rhizome buds accounted for the main part,and tiller buds dominated during the mid-stage grazing;while during the late-stage grazing,root-sprouting buds prevailed.The meristem restriction index for light,moderate,and heavy grazing grasslands was close to one;conversely,overgrazing and extreme overgrazing grasslands exhibited the highermeristemrestriction index(2.00,3.19),suggesting that plant regeneration was constrained by bud banks under light-grazing conditions where regenerate rates failed to meet above-ground modular’s recovery requirements following overgrazing and extreme overgrazing events.Consequently,moderate grazing grasslands could achieve natural community recovery by continuously adjusting their vegetative regeneration strategies.Understanding the role of bud banks in vegetative regeneration in grazing grassland will not only supply theoretical support for the ecological succession process of degraded grassland but also provide practical experience for the sustainable management of the L.chinensis grassland ecosystem.
文摘The optimal allocation of foreign resources requires a minimum level of domestic development,including financial development to benefit from the potential benefits of foreign direct investment.This study discusses the mediating role of financial development in the effect of foreign direct investment on economic growth and establishes the banking sector threshold for the 18 least developed African countries over the period 2000 to 2020.We used the generalized method of moments(GMM)and the threshold regression(TR)as part of the dynamic panel data model.The results show the non-significant contribution of foreign direct investment and the banking sector to economic growth.After interaction,the effect of foreign direct investment becomes positive but not significant.However,the coefficient of the interaction variable is significantly negative.This implies that the financial system is unable to allocate foreign resources efficiently.For this reason,this paper resorted to applying the threshold regression to determine the minimum threshold of the banking sector and established a threshold of 74.58%.It therefore becomes necessary for the 18 least developed African countries to develop the financial system in order to get full benefits of foreign direct investment.
文摘Amid the deepening implementation of rural revitalization strategies and rapid fintech development,rural commercial banks-core financial institutions serving agriculture,rural areas,and farmers(the“three rurals”)and county economies-have seen their tellers’service quality and operational efficiency directly impact market competitiveness and sustainable development capabilities.This study examines teller performance management in rural commercial banks from a business management perspective.By analyzing structural issues in existing performance management systems and integrating theoretical frameworks with industry case studies,it proposes systematic optimization measures.The research aims to provide practical references for establishing scientific and efficient teller performance management systems in rural commercial banks,thereby enhancing service quality,strengthening talent support,and better serving the rural financial market.
文摘Reconfiguration,as well as optimal utilization of distributed generation sources and capacitor banks,are highly effective methods for reducing losses and improving the voltage profile,or in other words,the power quality in the power distribution system.Researchers have considered the use of distributed generation resources in recent years.There are numerous advantages to utilizing these resources,the most significant of which are the reduction of network losses and enhancement of voltage stability.Non-dominated Sorting Genetic Algorithm II(NSGA-II),Multi-Objective Particle Swarm Optimization(MOPSO),and Intersect Mutation Differential Evolution(IMDE)algorithms are used in this paper to perform optimal reconfiguration,simultaneous location,and capacity determination of distributed generation resources and capacitor banks.Three scenarios were used to replicate the studies.The reconfiguration of the switches,as well as the location and determination of the capacitor bank’s optimal capacity,were investigated in this scenario.However,in the third scenario,reconfiguration,and determining the location and capacity of the Distributed Generation(DG)resources and capacitor banks have been carried out simultaneously.Finally,the simulation results of these three algorithms are compared.The results indicate that the proposed NSGAII algorithm outperformed the other two multi-objective algorithms and was capable of maintaining smaller objective functions in all scenarios.Specifically,the energy losses were reduced from 211 to 51.35 kW(a 75.66%reduction),119.13 kW(a 43.54%reduction),and 23.13 kW(an 89.04%reduction),while the voltage stability index(VSI)decreased from 6.96 to 2.105,1.239,and 1.257,respectively,demonstrating significant improvement in the voltage profile.
基金sponsored by Natural Science Research Project of Anhui Educational Committee(GrantNo.2022AH050810),NationalNatural Science Foundation of China(GrantNos.42402276,41972286,42072309,42102329)State Key Laboratory of Precision Blasting and Hubei Key Laboratory of Blasting Engineering,Jianghan University(No.PBSKL2023A1)the Open Fund of National Center for International Research on Deep Earth Drilling and Resource Development(No.DEDRD-2023-02).
文摘During the construction of bank slopes involving pile driving,ensuring slope stability is crucial.This requires the design of appropriate support systems and a thorough evaluation of the failure mechanisms of pile structures under dynamic loading conditions.Based on the Huarong Coal Wharf project,various support schemes are analyzed using numerical simulation methods to calculate and compare slope stability coefficients.The optimal scheme is then identified.Under the selected support scheme,a numerical model of double-row suspended steel sheet piles is developed to investigate the dynamic response of the pile structures under pile driving loads.A time-history analysis is performed to assess the slope’s dynamic stability.The results show that the maximum displacements of the upper and lower steel sheet pile rows are 2.51 and 3.14 cm,respectively.The maximum principal stresses remain below 20 MPa in both rows,while the maximum von Mises stresses are 20.85 MPa for the upper row and 25.40 MPa for the lower row.The dominant frequencies of the steel sheet pile structures fall between 30 and 35 Hz,with a frequency bandwidth ranging from 0 to 500 Hz.The stability coefficient of the pile structures varies over time during the pile driving process,ultimately reaching a value of 1.26—exceeding the required safety threshold.This research provides practical guidance for designing support systems in wharf piling projects and offers a reliable basis for evaluating the safety performance of steel sheet piles in bank slopes.
文摘With the advancement of globalization,South Korea has become a key destination for international students.However,these students often face challenges in adapting to daily life,particularly when using mobile banking applications,due to insufficient language support,cultural differences,and complex operational procedures.This study focuses on Chinese international students and analyzes the UI/UX design of mobile banking applications offered by Kookmin Bank and Hana Bank.Through literature reviews and surveys,the study identifies limitations in language adaptability,functionality layout,user interaction,and cultural adaptation,proposing concrete design improvements.The findings indicate that optimizing UI/UX design can significantly enhance international students’user experience and strengthen the global competitiveness of South Korean mobile banking services.This research provides reference material for designing for multicultural user groups and aims to promote research and practice in cross-cultural UI/UX design.
文摘The rapid development of digital finance is profoundly changing the structure and management mode of bank credit.Through mobile banking,artificial intelligence,big data,cloud computing,and online lending platforms,banks are able to optimize credit services,increase efficiency,and improve access to credit[1].This evolution began in the late 20th century and accelerated after the 2008 global financial crisis.Through automated approval,precise risk assessment,and real-time monitoring,digital finance has improved credit efficiency,reduced costs,promoted financial inclusion,and enabled groups not covered by traditional financial services to gain support.However,the popularity of digital finance has also brought new challenges,such as consumer protection,cybersecurity,and fraud risks,and there is an urgent need to update the regulatory framework to address these issues.Nonetheless,the technological spillover effects of digital finance have promoted bank credit innovation and improved market competitiveness.This paper analyzes the role of digital finance in credit efficiency,cost,risk management,and financial inclusion,and puts forward policy recommendations to deal with potential risks and ensure the stability and sustainable development of the financial system.
基金The National Natural Science Foundation of China Project under contract No.42206150the Technology Development Program of Shanghai Ocean University under contract No.A2-2006-20-200207.
文摘In the paper,copepod universal formulas are applied to construct a copepod individual-based model(IBM),and a genetic algorithm(GA)is incorporated in the formulas with genes as species parameters.The IBM initially constructs the individuals with all possible genes similar to the original state of natural selection.Climate-averaged temperature and chlorophyll a(Chl a)time series at the surface layer of fixed points in the Georges Bank(GB)and the Gulf of Maine(GOM)are taken as the model environment.The IBM has been running for 50 a in the environment without inter-annual change.The IBM results indicate that some of the life history traits of the top ten abundant species output by the IBM in the GB and the GOM are consistent with the real species Calanus finmarchicus,Pseudocalanus spp.,Centropages typicus,and Centropages hamatus in terms of reproduction strategy,time to reach the maximum abundance,water temperature preference,and adult body mass.The study of the top ten abundant species with multidimensional scaling(MDS)and clustering analysis(CA)methods indicates that reproduction strategy is the basis for grouping.For the species taking the broadcasting strategy,both GB and GOM environments tend to choose smallbodied species with cold-water preference,such as Pseudocalanus spp.;for the species taking the egg-carrying strategies,the GB environment selects large-bodied species with cold-water preference,such as C.finmarchicus,while the GOM environment selects medium-bodied species with warm-water preference,such as Centropages spp.(C.typicus and C.hamatus).After gene mutation is added to the IBM,the model result gets simple,which needs to be further improved.The significance of the paper lies in systematically studying the impact of GB and GOM environments on the evolutionary life history traits of copepods for the first time.
基金supported in part by the National Defense Basic Scientific Research Program of China(No.JCKY2021603B030)the Shenzhen Fundamental Research Program,China(No.JCYJ20220818102601004)the Science Center Program of National Natural Science Foundation of China(No.62188101)。
文摘Rapid and reliable onboard optimization of bank angle profiles is crucial for mitigating uncertainties during Mars atmospheric entry.This paper presents a neural-network-accelerated methodology for optimizing parametric bank angle profiles in Mars atmospheric entry missions.The methodology includes a universal approach to handling path constraints and a reliable solution method based on the Particle Swarm Optimization(PSO)algorithm.For illustrative purposes,a mission with the objective of maximizing terminal altitude is considered.The original entry optimization problem is converted into optimizing three coefficients for the bank angle profiles with terminal constraints by formulating a parametric Mars entry bank angle profile and constraint handling methods.The parameter optimization problem is addressed using the PSO algorithm,with reliability enhanced by increasing the PSO swarm size.To improve computational efficiency,an enhanced Deep Operator Network(Deep ONet)is used as a dynamics solver to predict terminal states under various bank angle profiles rapidly.Numerical simulations demonstrate that the proposed methodology ensures reliable convergence with a sufficiently large PSO swarm while maintaining high computational efficiency facilitated by the neural-network-based dynamics solver.Compared to the existing methodologies,this methodology offers a streamlined process,the reduced sensitivity to initial guesses,and the improved computational efficiency.
文摘This research centers on commercial banks'human resource allocation.It constructs a staffing model grounded in human capital value creation theory and analyzes relevant factors through longitudinal panel data regression.Taking City Commercial Bank A as an instance,the model identifies 12.3%redundant positions and matches jobs with business scale.Additionally,the study proposes a“staffing effectiveness salary”system,providing a framework for optimizing commercial bank human capital in the digital age.
文摘In the year 1971,the world’s biggest structural biology collaboration name—The Research Collaboratory for Structural Bioinformatics(RCSB),was formed to gather all the structural biologists at a single platform and then extended out to be the world’s most extensive structural data repository named RCSB-Protein Data Bank(PDB)(https://www.rcsb.org/)that has provided the service for more than 50 years and continues its legacy for the discoveries and repositories for structural data.The RCSB has evolved from being a collaboratory network to a full-fledged database and tool with a huge list of protein structures,nucleic acid-containing structures,ModelArchive,and AlphaFold structures,and the best is that it is expanding day by day with computational advancement with tools and visual experiences.In this review article,we have discussed how RCSB has been a successful collaboratory network,its expansion in each decade,and how it has helped the ground-breaking research.The PDB tools that are helping the researchers,yearly data deposition,validation,processing,and suggestions that can help the developer improve for upcoming years are also discussed.This review will help future researchers understand the complete history of RCSB and its developments in each decade and how various future collaborative networks can be developed in various scientific areas and can be successful by keeping RCSB as a case study.
基金supported by the National Natural Science Foundation of China[Grant No.72102187,72102197]the General Program of Soft Science Research Project for Chengdu Science and Technology Bureau[Grant No.2025-RK00-00076-ZF]Project of the Center for Systems Science and Enterprise Development,a Key Re‐search Base for Social Sciences in Sichuan Province[Grant No.Xq24C09]and the Chengdu High-Quality Development Research Cen‐ter Project[Grant No.yb2024103].
文摘This study examines the impact of banks’environmental,social,and governance(ESG)disclosure assurance(BEDA)on borrowing enterprises’ESG performance to investigate China’s bank-enterprise loan relationships.Using manually collected bank loan relationship data and financial data of Chinese listed companies from 2010 to 2021,our findings reveal that BEDA significantly enhances borrowers’ESG performance.Moreover,this effect is more pronounced when banks have a higher information demand,better internal controls,and share auditors with borrowers;when borrowers operate in environmentally sensitive industries,and in the period following the Paris Agreement signing.Among the individual ESG subcategories,the impact of BEDA on borrowers’ESG performance is primarily reflected in environmental(E)and social(S)considerations.Finally,we do not find that BEDA significantly suppresses banks’greenwashing.These findings indicate that BEDA has an informational or advisory influence on banks’ESG governance rather than a supervisory role at this stage of sustainability reporting development.This study suggests that policymakers should guide BEDA’s evolution from a passive information tool to a proactive governance tool,facilitating enterprises in achieving sub‐stantive ESG transformations while reducing systemic greenwashing risks.
文摘In the process of implementing data openness between banks and fin-tech companies,as the breadth and depth of cooperation between banks and enterprises continue to increase,there is a risk of“too much correlation to fail”and“too many links to fail”.There are problems with the implementation of financial data openness by regulatory agencies for banks and fin-tech enterprises,such as the ambiguity of regulatory responsibilities,the emphasis on financial regulatory goals,and the lag in regulatory methods.To address these issues,it is necessary to clarify the responsibilities of financial regulatory agencies,establish a collaborative mechanism for financial regulation,coordinate the types of risks in bank enterprise cooperation,achieve the technical implementation of financial regulatory measures and the design of regulatory systems,obtain regulatory data in real time,establish a hierarchical regulatory system for bank enterprise cooperation to improve the regulatory path,and ensure the rational and legal use of financial data in bank enterprise cooperation.
基金supported by the General Project of the National Social Science Fund,“Research on the Implementation Mechanism and Optimization Path of Multi-level Agricultural Insurance from the Perspective of Heterogeneity”(Project No.19BJY161)the Outstanding Youth Scientific Research Project of the Hunan Provincial Department of Education,“Measurement,Transmission,and Prevention of Systemic Financial Risks in the Context of Low-carbon Transition”(Project No.22B0649)the General Project of the Hunan Provincial Social Science Achievement Evaluation Committee,“Research on the Measurement and Early Warning of Systemic Financial Risks under the Impact of Low-carbon Transition”(Project No.XSP2023JJZ010).
文摘Effective corporate governance and sound macroprudential policies are crucial to the stability and sustainable development of the banking sector in China.This paper uses panel data sets from 31 listed Chinese commercial banks between 2007 and 2023 to examine how corporate governance and macroprudential regulation influence bank risk-taking.To achieve this,we constructed a set of micro-level corporate governance indicators.The findings show that corporate governance significantly reduces bank risk-taking,while macroprudential regulation positively moderates this relationship.Furthermore,business diversification and loan concentration are the key mechanisms through which corporate governance mitigates risk-taking.We confirmed the soundness of these findings by using robust econometric techniques,including difference-in-differences,system GMM,and alternative independent variables.This study provides valuable insights for optimizing bank capital structures,enhancing corporate governance,improving personnel management,and clarifying the roles of regulators in refining the macroprudential regulatory framework.
文摘The rapid development of digital financial inclusion is profoundly changing the financing environment for small and medium-sized enterprises(SMEs).As an important driver of economic growth and innovation,SMEs account for a significant share of employment and GDP globally.However,the traditional bank credit model has long failed to effectively meet the financing needs of SMEs due to issues such as information asymmetry,high cost,and difficulty in risk assessment,resulting in serious financing constraints.Digital financial inclusion,through technological innovation and big data analysis,has significantly reduced credit costs,alleviated information asymmetry,and provided SMEs with more flexible and efficient financing channels.Research shows that digital financial inclusion can not only ease the financing constraints of SMEs,but also promote their innovation and growth,providing important support for building a more inclusive and sustainable financial ecosystem.
文摘This study aims to explore the relationship between the driving factors,implementation measures,and effects of financial management digital transformation in the banking industry in Jinan,Shandong Province,China.Faced with intense competition driven by advancements in financial technology,evolving customer demands,and policy support,digital transformation has become a critical strategy for enhancing operational efficiency and market competitiveness.Leveraging the researcher's extensive professional experience and employing scientific research methods and tools,the study conducted an online survey across multiple banking institutions in Jinan,collecting 305 valid responses from senior management,financial department heads,IT personnel,middle management,and financial and audit staff.The questionnaire was designed around key dimensions of financial management digital transformation,including driving factors,implementation measures,and effect evaluation,covering variables such as technology adoption,process optimization,employee training,data security,and organizational adjustments.Quantitative analysis methods,including reliability analysis,validity analysis,descriptive analysis,regression analysis,and chi-square independence tests,were used to ensure data quality and uncover inherent patterns.The findings reveal significant relationships between driving factors(e.g.,financial technology advancements,market demand,and policy support)and transformation effects(e.g.,operational efficiency,resource allocation,and customer experience),with notable differences in implementation outcomes across different types of banks.Based on these insights,the study provides strategic recommendations for optimizing digital transformation in Jinan's banking industry,aiming to enhance operational efficiency,improve financial service quality,and support sustainable industry development.
文摘Fluctuations in real estate prices are closely linked to the macro-economy,exerting a profound influence on social investment and consumption levels.As a key source of funding for the real estate market,bank credit significantly affects housing price changes in major Chinese cities.This paper explores the transmission mechanisms and pathways of bank credit on real estate prices through theoretical analysis and empirical research.It constructs a panel regression model to empirically analyze the relationship between bank credit scale and housing prices in 35 large and medium-sized Chinese cities from 2012 to 2022,assess the impact of credit on housing price fluctuations,and compare differences between first-tier and second-tier cities.Based on these findings,the paper proposes suggestions for regulating housing prices by controlling credit scale,aiming to deepen the understanding of the relationship between bank credit and housing prices and support the stable development of China’s macro-economy and real estate market.
文摘This paper analyzes the advantages of legal digital currencies and explores their impact on bank big data practices.By combining bank big data collection and processing,it clarifies that legal digital currencies can enhance the efficiency of bank data processing,enrich data types,and strengthen data analysis and application capabilities.In response to future development needs,it is necessary to strengthen data collection management,enhance data processing capabilities,innovate big data application models,and provide references for bank big data practices,promoting the transformation and upgrading of the banking industry in the context of legal digital currencies.
文摘This paper studies banking efficiency from a Kuwaiti banking sector perspective. This will be accomplished by comparing and analysing the efficiency of Kuwaiti banking operations before and after the International Financial Crisis. Traditional and Islamic banks will be taken into consideration. The overall goal of this inquiry is to determine whether the efficiency of Kuwaiti banks has improved and why. Internal and external influences on Kuwaiti banking efficiency will be examined as well. Methods of work performed by bank managers and policy makers in Kuwait contributing to banking operations efficiency will be considered as well.
基金financially supported by the National Natural Science Foundation of China grant(41102087)the Key Project of the National Science & Technology grant(2011ZX05005-002-010HZ,2011ZX05009-002)+1 种基金National Basic Research Program of China grant (2012CB214802)the Special Foundation for Doctoral Subjects in China University of Geosciences(Beijing) grant(2011PY0199)
文摘The combination patterns and depositional characteristics of the carbonate banks are investigated based on outcrop sections, thin sections, and carbon isotopes of Ordovician in the western Tarim Basin, China. Four carbonate bank combination patterns are deposited in the Ordovician, western Tarim Basin, including： Reef-Bank Complex （RBC）, Algae-Reef-Bank Interbed （ARBI）, Thick-Layer Cake Aggradation Bank （TLCAB）, and Thin-Layer Cake Retrogradation Bank （TLCRB）. All combination patterns show clear periods vertically. The RBC is mainly composed of reefs and bioclastic banks, and the dimension of the RBC depends on the scale of the reefs. Bioclastic banks deposits surround the reefs. The range of the ARBI is determined by the scale of algae-reefs, algae peloid dolomite microfacies and algal dolomite microfacies deposit alternating vertically. TLCAB and TLCRB are deposited as layer-cakes stacking in cycles and extending widely with cross bedding developed. The grains of TLCAB and TLCRB are diverse and multi-source. With the impacting of relative sea level change, biological development and geomorphology, the ARBI, TLCAB or TLCRB, RBC are successively developed from the Lower Ordovician Penglaiba Formation to the Middle Ordovician Yijianfang Formation. The depositional environment analysis of Ordovician indicates that the RBC and ARBI can form effective oil and gas reservoirs, and the TLCAB and TLCRB have the potential to form the huge scale oil and gas reservoirs and to be the crucial targets of exploration for the Ordovician carbonate banks in the future.
