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Operational Risk Management of Commercial Banks
Jianbo Song,Xiaokun Zhao,Chunyan Sheng 인하대학교 정석물류통상연구원 2009 인하대학교 정석물류통상연구원 학술대회 Vol.2009 No.10
In this paper, we present the types and characteristics of risks in commercial banks. Among all the risks, operational risk is paid more and more heed to. It is caused by people, processes, external events and other factors. According to the Base II New Capital Accord, there are mainly three approahces to the capital for dperational risk-The Basic Indicator Approach, The Standardized Approach and The Advanced Measurement Approach. We can take actions to manage the operational risk in commerical banks and improve their competitiveness: (1) create a culture of risk management; (2) establish the independent organizational structure of risk management; (3) introduce the strict division of posts; (4) design a procedure of tight authorization; (5) assume the procedural or standardized control; (6) set up the efficient program of employee management; (7) reengineer the business processes of banks; (8) highlight control over special risk points.
Zhuoyuan Chen,Jianbo Zhao,Peiyang Li,Aizhong Qin,Zhihua Gao,Wenfen Zhao,Shaocan Wang,Guanfeng Lia 한양대학교 청정에너지연구소 2023 Journal of Ceramic Processing Research Vol.24 No.1
In this work, the fabrication and improvement of a lightweight and corrosion-resistant polyurethane (PU) based polymerconcrete are studied. The aggregate in traditional polymer concrete is generally crushed stone. Due to the low bonding strengthbetween polymer matrix and crushed stone, it is easy to fall off between polymer matrix and crushed stone after long-termuse, resulting in the degradation of the performance of polymer concrete. In order to overcome the low bond strength betweencrushed stone and polymer matrix in polymer concrete, modified polyetheramine particles were used to enhance the finalmechanical parameters of PU based polymer concrete. A series of mechanical and environmental tests were carried out, andthe effects of aggregates addition ratio and type on the mechanical properties of polymer concrete were analyzed. Theexperimental results determined the influence mechanism of aggregates proportion and type on the mechanical properties ofpolymer concrete, and obtained the appropriate aggregates type and addition proportion. The current work reveals that usingmodified polyetheramine particles as aggregates of polymer concrete can significantly enhance the bond strength anddurability between polymer matrix and aggregates. The density of this polymer concrete proposed in this paper is about 1.2g/mm3; The density of traditional polymer concrete is about 1.5-1.8 g/mm3, the weight can be reduced by 25%, and there isno problem of falling off between polymer matrix and aggregate.
Yu Zou,Fenghua Zhao,Dongna Liu,Yuanyuan Wang,Jianbo Chen 한국지질과학협의회 2018 Geosciences Journal Vol.22 No.5
Mineralogy and geochemistry of Nos.1, 9 and 10 coals in the Lingshi Deposit, Qinshui Basin, China, are investigated in this paper, using industrial analysis, total sulfur and forms of sulfur analyses, optical microscope, scanning electron microscope equipped with energy dispersive X-ray spectrometer, X-ray powder diffraction, X-ray fluorescence, and inductively coupled plasma-mass spectrometers. The results show that the minerals in coals are mainly kaolinite, nacrite, dickite, palygorskite, calcite, pyrite, anatase, dolomite, siderite and barite. Kaolinite of terrigenous origin is commonly discovered in No. 1 coal, which results in a high concentration of SiO2 (up to 6.81%) and Al2O3 (up to 8.42%); In the process of coalification, kaolinite could be converted into dickite and nacrite in Nos. 9 and 10 coal; Pyrite, the host of W, Tl, and As, and palygorskite in Nos. 9 and 10 coals are formed under the influence of the transgression. Besides, Nos. 9 and 10 coals, affected by transgression, are similar in the element contents and distribution patterns with positive δYN anomalies (up to 1.44). However, No. 1 coal, normalized by No. 10 coal, is characterized by high concentration coefficients of Co, Ni, Sb, Li, Be, Sc, V, Cu, Ga, Rb, Cs, Ba, Pb and Th (2 < CC < 10), and these elements are derived from clay minerals of terrigenous origin, which means that Permo-Carboniferous coals in the Lingshi Deposit show the evolution of a regressive process in general.
Jinyun Guo,Wang Li,Xin Liu,Jianbo Wang,Xiaotao Chang,Chunmei Zhao 한국지질과학협의회 2015 Geosciences Journal Vol.19 No.4
To investigate the coupling relationship between earthquake and ionosphere perturbation, we process the global total electron contents (TECs) estimated from GPS data of IGS stations by CODE and analyze TEC anomalies before MW 8.6 Sumatra earthquake and MW 6.7 Mexico earthquake on April 11, 2012. The sliding interquartile method with the sliding window of 27 days is used to process data of SSN, F10.7 solar flux, Dst and Kp to eliminate the effects of solar activity and the geomagnetic activity. The results show that there are positive and negative TEC anomalies over epicenter on the 11th day and the 3rd day prior to the Sumatran earthquake respectively. But the decrement and increment of TEC anomalies over epicenter occurred on the 11th day and the 3rd day prior to the Mexico earthquake. The global TEC anomalies are analyzed on the 11th day and the 3rd day before these two great earthquakes, respectively. The magnitudes of TEC anomaly occurred on the 3rd day before earthquakes are larger than that occurred on the 11th day before earthquakes. This indicates the magnitude of anomaly may be related to the number of days prior to earthquake. But the magnitude of TEC anomaly near Sumatran is lower than that near Mexico, and the duration of anomalies occurred on 11th day is longer than those on 3rd day prior to earthquake, which are different from previous results. The TEC anomaly of Sumatran earthquake mainly occurs in the afternoon and night local time, but the TEC anomaly of Mexico earthquake mainly occurs in the morning local time. The TEC anomaly peak regions before these two earthquakes appeared on the south of epicenters instead of the vertical projection of the epicenter. Corresponding ionospheric anomalies are also observed in the magnetically conjugated regions. These can be guidance for the ionosphere monitoring in earthquake study.
Rheological analysis of titanium dioxide nano-whisker based electrorheological fluids
Ke Zhang,Chun Yan Gao,Hyoung Jin Choi,Jianbo Yin,Xiaopeng Zhao 한국공업화학회 2020 Journal of Industrial and Engineering Chemistry Vol.83 No.-
Understanding yield stress of electrorheological (ER)fluids becomes important for not only developmentof advanced ER materials but also their engineering applications. This study reanalyzed dynamic yieldstresses of both titanium dioxide nano-whisker- and titanium dioxide nano-particle-based ERsuspensions under an input electricalfield, based on the universal yield stress function proposed. The experimental data was plotted well to a single line by the scaled universal yield stress function via adeduced critical electricalfield value which divides electricfield dependent yield stress region with aslope of 1.5 from that with 2.0 of polarization mechanism.
Development of HPLC method for differentiation of three parts of mulberry tree
Eom, Ji Hyun,Vu, Thi Phuong Duyen,Cai, Linxi,Zhao, Yan,Li, Hong Xu,Yang, Seo Young,Kim, Young Ho,Kim, Seok Jin,Cho, Hyun So,Bao, Haiying,Chem, Jianbo,Kim, Kyung Tae,Kang, Jong Seong The Korean Society of Analytical Science 2017 분석과학 Vol.30 No.3
The leaves (Mori Folium; MF), branches (Mori Ramulus; MR), and root bark (Mori Cortex Radicis; MCR) of the mulberry tree have been used as therapeutic herbs for centuries. Existing analytical methods were developed specifically for different parts of the tree and cannot be applied to samples containing a mixture of tree parts. Such method specialization is time-consuming and requires separate identification and quality control of each tree part. This report describes an HPLC method for the simultaneous quality control and discrimination of MF, MR, and MCR using four marker compounds: rutin, kuwanon G, oxyresveratrol, and morusin. An Optimapak $C_{18}$ column ($4.6{\times}250mm$, $5{\mu}m$) was used with a gradient elution of 0.1 % formic acid in water and acetonitrile. The flow rate was 1.0 mL/min and the detection wavelength was 270 nm. In quantitative analyses of the three parts, rutin (0.11 % w/w) was detected only in MF. The oxyresveratrol content (0.12 % w/w) was highest in MR. Kuwanon G (0.33 % w/w) and morusin (0.18 % w/w) were higher in MCR than in other parts. The HPLC method given herein can be used to simultaneously classify and quantify three herbal medicines from the mulberry tree.
Tong Zhijun,Xiu Zhihui,Ming Yao,Fang Dunhuang,Chen Xuejun,Hu Yafei,Zhou Juhong,He Weiming,Jiao Fangchan,Zhang Chi,Zhao Shancen,Jin Han,Jian Jianbo,Xiao Bingguang 한국식물생명공학회 2021 Plant biotechnology reports Vol.15 No.6
Tobacco ( Nicotiana tabacum L.) is an economic crop and a model organism for studies of plant biology and genetics. As an allotetraploid plant generated from interspecific hybridization, tobacco has a massive genome (4.5 Gb). Recently, a genetic map with 45,081 single nucleotide polymorphism (SNP) markers was constructed using whole-genome sequencing data for a tobacco population including 274 individuals. This provides a basis for quantitative trait locus (QTL) mapping and genomic selection, which have been widely applied to other crops but have not been feasible in tobacco. Based on this high-density genetic map, we identified QTLs associated with important agronomic traits, chemical compounds in dry leaves, and hazardous substances in processed cigarettes. The LOD values for major QTLs were highest for agronomic traits, followed by chemical compounds and hazardous substances. In addition to the identification of molecular markers, we evaluated genomic selection models and found that BayesB had the highest prediction accuracy for the recombinant inbred line population. Our results offer new insights into the genetic mechanism underlying important traits, such as agronomic traits and quality-related chemical compounds in tobacco, and will be able to support the application of molecular breeding to tobacco.