Credit Risk Measurement Study of Commercial Banks Based on the Innovation Discrete Hopfield Neural Network Model

Yawen Zhao,Yongmei Sun 한국무역연구원 2021 The International Academy of Global Business and T Vol.17 No.2

Purpose – Credit risk is always the major risk in the banking industry, and the main target of regulatory authorities. Based on modern financial theory and new credit instruments, modern risk measurement models have played a great role in the measurement of credit risk. However, most of these models assume normal distribution, which will lead to a deviation between the analysis results and the actual distribution of credit risk, c ause the “ thick tail” phenomenon, a nd reduce the accuracy of measurement results. In this context, the development of modern information technology makes it possible to introduce artificial intelligence technology into credit risk measurement, s uch as an artificial neural network, d ecision tree, g enetic programming, and support vector machine. Design/Methodology/Approach – Firstly, we use the commonly used an expert survey method and the research results and experience of previous scholars for reference to realize the transformation of regulatory indicators f rom qualitative t o quantitative. T hen, a c redit r isk measurement model based on t he Hopfield network was constructed in order to evaluate credit risk. Finally, the simulation experiment was carried out using real data from a commercial bank. Findings – The results show that a credit risk measurement model based on Hopfield neural network can accurately reflect the credit risk state of banking institutions. This shows that the credit risk measurement model proposed in this paper not only has the function of supporting decision-making for commercial bank managers, it is also an effective way for financial regulators to grasp the risk change trend in time. Research Implications – A credit risk measurement model of commercial banks based on a discrete Hopfield neural network is proposed. Because an artificial neural network has the advantages of strong “robustness”, high prediction accuracy, and is unstructured, this paper uses the associative memory function of DHNN to construct a credit risk measurement model based on a discrete Hopfield neural network. Simulation results show that the model can accurately reflect the credit risk status of banks.

Ultrathin Biocompatible Electrospun Fiber Films for Self-Powered Human Motion Sensor

Gengrui Zhao,Shaobo Gong,Honggang Wang,Junfang Ren,Na Wang,Yawen Yang,Gui Gao,Shengsheng Chen,Linlin Li 한국정밀공학회 2021 International Journal of Precision Engineering and Vol.8 No.3

In recent years, triboelectric nanogenerator (TENG) has been proven to be an effective and simple solution for self-powered wearable sensing, and a wide variety of materials and methods have been applied to TENG based sensors. In this study, an ultrathin fiber film with nanoporous brain-like structure (BUF) was obtained by cold-pressing the electrospun biocompatible fiber mats, and a wearable TENG sensor based on the BUF films that could sensitively detect human motion was demonstrated. This simply designed self-powered sensor was composed of Kapton as the shell and ultrathin, biocompatible poly L-lactic acid and ethyl cellulose (EC) fiber films as the triboelectric layers, prepared by convenient electrospinning method and cold-pressing. Compared to as-spun fiber mats, cold-pressed fiber membranes not only acquire overall compact structure but also remained porous surface morphology, which improved the triboelectric outputs and operational stability of TENG. Three TENGs were fabricated to evaluate the effects of different triboelectric layers on triboelectric outputs, and the BUF-TENG had the maximum triboelectric outputs (19 V, 630 nA at 3.5 Hz) and longer life than as-spun fiber mats based TENG. The BUF-TENG had linear relationship between triboelectric outputs and frequency, and sensitivities of 32.4, 0.94 and 0.22 V Hz−1 in the range of 0.1–0.35, 0.35–2 and 2–3.5 Hz, respectively. Moreover, a self-powered sensor based on the BUF-TENG was proposed to sensitively detect human walking state and limbs motion. With convenient preparation process and biocompatible materials, the BUF-TENG sensor could be a potential self-powered wearable and portable sensor in future health care and monitoring field.

Transparent Lamellar Porous Material and Its Greatly Reduced Dielectric Constant

Lili Liu,Cuijiao Zhao,Yawen Huang,Xiaonan Wei,Hongtao Yu,Junxiao Yang 한국고분자학회 2017 Macromolecular Research Vol.25 No.10

One trend for low dielectric materials is to reach low dielectric constant values at as low porosity as possible. In this work, a lamellar porous material was prepared by spin-coating of poly(vinyl alcohol) (PVA)/manganese dioxide (MnO2) nanosheet composited film, followed by cross-linking of PVA and removing nanosheets. FTIR, XRD and TGA measurement results demonstrate that the templates were almost completely removed. SEM image shows that the etched PVA film has a lamellar porous structure. Dielectric test results indicate that at the porosity of only 17.5%, the dielectric constant of porous PVA is reduced to approximately half that of neat cross-linked PVA. The serial model shows a good consistence with experimental dielectric constant value. This explains well the high efficiency of lamellar porous structure in reducing dielectric constant.

Effect of Ligustilide Supplement on Physical Fitness of Athletes

Xiaojuan Gao,Shuai Yang,Meng Liu,Yawen Jiang,Li Wenyan,Rui Ma,Zijian Zhao,Xuelin Zhang 아시아건강운동학회 2020 Journal of Asian Society for Health & Exercise Vol.2 No.2

PURPOSE: In this study, high content ligustilide plant extract was supplemented to monitor the changes of physical fitness and physiological function of athletes, and to explore the effect of ligustilide plant extract on physical function and physical fitness of athletes. METHODS: Thirty five high-level basketball players from Zhengzhou University were selected and divided into two groups randomly: nutritional supplement group (S, n = 18) and control group (C, n=17). This study was approved by the Ethics Committee of Zhengzhou University. Informed consent was obtained from each subject. The intervention period was 8 weeks, six days per week. The training method adopted the small cycle plate training scheme. We measured changes of the scores of rating of perceived exertion (RPE), physical fitness test (15m running, 30m running, 400m running) and routine blood test (mainly including red blood cell count, hemoglobin concentration and average erythrocyte hemoglobin concentration, etc.) before and after training. RESULTS: In group S, the percentage of RPE (grade 6-11) and RPE (grade 12-18) before experiment was 37.5% and 62.5%. After 8 weeks of experiment, 62.5% of RPE (grade 6-11) and 37.5% of RPE (grade 12-18). In group C, 14% of RPE (grade 6-11), 86% of slight RPE (grade 12-18), and 100% of RPE (grade 12-18) after 8 weeks of experiment. It was found that after 8 weeks of training, the number of red blood cells, the concentration of hemoglobin and the average concentration of red blood cell hemoglobin in group S were significantly higher than those before the experiment (p <0.05). According to the comparison of the physical fitness test results of the athletes in group S, it was found that the performance of 400m after 4 weeks and 8 weeks was significantly higher compared with pre-experiment (p<0.05). The changes of 30m and 15m were not significant different (p>0.05). The 400-meter test performance of athletes in group C was significantly higher than that before the experiment only after 8 weeks of training (p<0.05). CONCLUSIONS: Ligustilide supplementation can increase the number of red blood cell and hemoglobin concentration of athletes and has a positive impact on the physical fitness of athletes and the recovery of fatigue.

Ginseng polysaccharides: Potential antitumor agents

Ruizhi Tao,Keqin Lu,Gangfan Zong(강사),Yawen Xia,Hongkuan Han,Yang Zhao,Zhonghong Wei,Yin Lu 고려인삼학회 2023 Journal of Ginseng Research Vol.47 No.1

Anterior Gradient 3 Promotes Breast Cancer Development and Chemotherapy Response

Qiao Xu,Ying Shao,Jinman Zhang,Huikun Zhang,Yawen Zhao,Xiaoli Liu,Zhifang Guo,Wei Chong,Feng Gu,Yongjie Ma 대한암학회 2020 Cancer Research and Treatment Vol.52 No.1

Purpose Anterior gradient 3 (AGR3) belongs to human anterior gradient (AGR) family. The function of AGR3 on cancer remains unknown. This research aimed to investigate if AGR3 had prognostic values in invasive ductal carcinoma (IDC) of breast cancer and could promote tumor progression. Materials and Methods AGR3 expression was detected in breast benign lesions, ductal carcinoma in situ and IDC by immunohistochemistry analysis. AGR3’s correlations with clinicopathological features and prognosis of IDC patients were analyzed. By cell function experiments, collagen gel droplet-embedded culture drug sensitivity test and cytotoxic analysis, AGR3’s impacts on proliferation, invasion ability, and chemotherapeutic drug sensitivity of breast cancer cells were also detected. Results AGR3 was up-regulated in luminal subtype of histological grade I-II of IDC patients and positively correlated with high risks of recurrence and distant metastasis. AGR3 high expression could lead to bone or liver metastasis and predict poor prognosis of luminal B. In cell lines, AGR3 could promote proliferation and invasion ability of breast cancer cells which were consistent with clinical analysis. Besides, AGR3 could indicate poor prognosis of breast cancer patients treated with taxane but a favorable prognosis with 5-fluoropyrimidines. And breast cancer cells with AGR3 high expression were resistant to taxane but sensitive to 5-fluoropyrimidines. Conclusion AGR3 might be a potential prognostic indicator in luminal B subtype of IDC patients of histological grade I-II. And patients with AGR3 high expression should be treated with chemotherapy regimens consisting of 5-fluoropyrimidines but no taxane.

Antibacterial and Antioxidant Composite Fiber Prepared from Polyurethane and Polyacrylonitrile Containing Tea Polyphenols

Ya Wen,Ruifang Zhao,Xueqian Yin,Yidong Shi,Haojun Fan,Yi Zhou,Lin Tang 한국섬유공학회 2020 Fibers and polymers Vol.21 No.1

Antibacterial and antioxidant properties exert an indispensable effect on biomedical and packaging materialswhich are mainly made of fiber-based fabrics. The current research illustrates a novel type of composite fiber which wasprepared from thermoplastic polyurethane (PU), polyacrylonitrile (PAN) and tea polyphenols (TP) through wet-spinningtechnology. The PU-PAN mass ratio was optimized upon the mechanical property; TP was incorporated into the compositefiber with different contents. The obtained fibers were fully characterized in terms of mechanical, thermal, morphologicalproperties as well as surface wettability. Additionally, in vitro TP release, antioxidant and antibacterial activity of suchcomposite fibers before and after washing were under investigation systematically and orderly. The findings showed that TPloadedcomposite fibers with an average diameter around 120 μm performed a sustained TP release behavior and desirablecytocompatibility. According to the capacity on scavenging 2, 2-diphenyl-1-picrylhydrazyl (DPPH) free radicals, theobservation of scavenging ratio reaching to 97 % proved the excellent antioxidant performance. Furthermore, the idealantibacterial activity against Gram-negative E. coli and Gram-positive S. aureus was also demonstrated. Collectively, thisstudy provides a facile strategy to design and prepare a novel type of composite fibers and fabrics, which may be put intoapplication as wound dressing and tissue conduit.