The Construction of the Trust Relationship between the Platform and the Consumer in Mutual Economic Environment

Qianwen Xu,Miaomiao Zheng,Weimiao Zheng,Xiaoying Hu,Dan Li,Cong Cao 한국경영정보학회 2021 한국경영정보학회 학술대회논문집 Vol.2021 No.11

The mutual aid economy mainly comes from the sharing economy. The “mutual aid economy” model of taking out personal idle funds to share with others to obtain the most significant economic benefits is an area that the international community is currently striving to explore. After the establishment of the "Mutual Insurance Commune", parallel to the development of the digital economy and the significant improvement of the material living standards, the mutual aid economy with unique advantages has been experiencing rapid growth in China. Because China has a large population and a large base of the bottom poor groups, the traditional insurance business can no longer meet the needs of these groups. In this context, the network mutual assistance platform bred by the combination of the Internet and the traditional insurance industry has ushered in a development boom. In recent years, however, the Internet mutual aid platform is under a contentious and intensified debate,which has a great relationship with the standard use of funds. Some network mutual aid platforms put forward that they have the right to manage the mutual aid funds stored on the platform, but there is no clear limit on the scope of use. In addition, the information disclosure of some platforms is not transparent enough, which makes the use of mutual aid funds standardized to become a major problem, which severely limits the development of network mutual aid platforms. A lot of news of “xx mutual assistance platform shutting down” has shaken the rationality and longevity of the network mutual aid platform. In addition, due to China's unique domestic political environment and policies, for example, in September this year, The State Council issued the notice of "normalization of collective procurement of medicines”, which will reduce the potential population of mutual insurance and have a certain impact on its development. These show that its stable development has hidden risks that it cannot ignore. Since the closure of Fun in Funding and Water Droplets Mutual Aid in March of this year, two leading mutual-aid platforms, the credibility of the mutual aid economy, the sustainability of online mutual-aid platforms, and the future of mutual aid are all doubtful and faint. Factors such as establishing the trust relationship between the platform and the consumer, the financing of the risk of entering and exiting the risk, the breadth, depth and timeliness of mutual assistance behaviour challenge the survival and development of network mutual assistance platforms. It also means that the transformation and upgrading of the traditional insurance industry in the Internet age is not smooth. However, on the other hand, online mutual aid platforms have the following advantages: First, mutual aid platforms have outstanding social benefits, which can maximize the benefits of social resources. Second, the fund scale of the network platform is relatively small, and the funding object is scattered. Third, the mutual aid platform's motivational orientation to pursue benefits makes its risks more controllable than other platforms. Also,the introduction of the "Blockchain" technology enhances the transparency and reliability of the mutual assistance mechanism. In the process of mutual-treasure operation, the integration of blockchain technology realizes the establishment of mutual-treasure advantages. This study believes that if we can correctly guide network mutual aid, it can become a new model in financial and insurance innovation. The study aims to provide constructive suggestions to promote the transformation and development of the network mutual aid platform and achieve high-quality development of the mutual aid economy in China. According to the development status of low threshold, high security, low intermediate cost and high self-propagation of mutual aid economy and network mutual aid platform at home and abroad, taking “Xianghubao”, a domestic “late start, fast development, “strong strength” network mutual assistance platform, as the research object. This study focuses on building a trust relationship between the network mutual aid platform and consumers in the mutual aid economy from the normative perspective of using technology and controlling mutual aid funds. Employing semi-structured interviews, questionnaires and data modelling and analysis, the study has explored the prerequisites for the rise and prosperity of the mutual aid economy include increasingly abundant idle resources, the establishment of collaborative network platforms, mutual aid value consensus, industry environment,then offers a deep analysis towards the mutual trust mechanism between the enterprise and the user within “Xianghubao”, to further probe into the logical and critical elements which impact on building the relationship of trust between the network mutual aid platform and consumers in mutual aid economy. Also, the "Blockchain" technology is introduced to enhance the transparency and reliability of the mutual assistance mechanism. Based on the study, the company can make corresponding countermeasures from the four dimensions of internal management, trusted products, risk control, and mutual trust between customers to deal with the reformation and the closure of “Xianghubao”. The research described in this paper was supported by a grant from the Zhejiang Province Undergraduate Innovation and Entrepreneurship Training Program (File No. S202110337116).

Association between Metabolic Syndrome and Microvascular Complications in Chinese Adults with Type 1 Diabetes Mellitus

Qianwen Huang,Daizhi Yang,Hongrong Deng,Hua Liang,Xueying Zheng,Jinhua Yan,Wen Xu,Xiangwen Liu,Bin Yao,Sihui Luo,Jianping Weng 대한당뇨병학회 2022 Diabetes and Metabolism Journal Vol.46 No.1

Background: Both type 1 diabetes mellitus (T1DM) and metabolic syndrome (MetS) are associated with an elevated risk of morbidity and mortality yet with increasing heterogeneity. This study primarily aimed to evaluate the prevalence of MetS among adult patients with T1DM in China and investigate its associated risk factors, and relationship with microvascular complications.Methods: We included adult patients who had been enrolled in the Guangdong T1DM Translational Medicine Study conducted from June 2010 to June 2015. MetS was defined according to the updated National Cholesterol Education Program criterion. Logistic regression models were used to estimate the odds ratio (OR) for the association between MetS and the risk of diabetic kidney disease (DKD) and diabetic retinopathy (DR).Results: Among the 569 eligible patients enrolled, the prevalence of MetS was 15.1%. While female gender, longer diabetes duration, higher body mass index, and glycosylated hemoglobin A1c (HbA1c) were risk factors associated with MetS (OR, 2.86, 1.04, 1.14, and 1.23, respectively), received nutrition therapy education was a protective factor (OR, 0.46). After adjustment for gender, age, diabetes duration, HbA1c, socioeconomic and lifestyle variables, MetS status was associated with an increased risk of DKD and DR (OR, 2.14 and 3.72, respectively; both P<0.05).Conclusion: Although the prevalence of MetS in adult patients with T1DM in China was relatively low, patients with MetS were more likely to have DKD and DR. A comprehensive management including lifestyle modification might reduce their risk of microvascular complications in adults with T1DM.

Identification of native charge-transfer status of p-aminothiolphenol adsorbed on noble metallic substrates by surface-enhanced infrared absorption (SEIRA) spectroscopy

Li, Qianwen,Wang, Yanan,Li, Yali,Park, Yeonju,Chen, Yujing,Wang, Xu,Zhao, Bing,Ruan, Weidong,Jung, Young Mee Elsevier 2018 Spectrochimica acta. Part A, Molecular and biomole Vol.204 No.-

<P><B>Abstract</B></P> <P>p-Aminothiophenol (PATP) is a preferred molecule in research on surface-enhanced Raman scattering (SERS) because of its unique characteristics of high spectral activity, easily induced charge-transfer (CT), and sensitivity to molecular structural changes. However, some aspects are still unclear, such as the initial steady state of PATP on noble metallic substrates without strong additional excitation with incident and/or induced electromagnetic radiation. Information about the initial steady state, especially the intrinsic CT state, is of great importance to elucidate the dynamic processes of CT and/or molecular structural changes under additional excitation. To investigate the native state of an adsorbed molecule, a suitable probe method that does not disrupt the native state of the whole system, including both molecules and substrates, is required. SERS is not applied in this context because of its use of high-energy visible and near-infrared light. Herein, a low-energy probe method, surface-enhanced infrared-absorption (SEIRA) spectroscopy, is employed as a suitable method for studying the native adsorption state of PATP on silver nanoisland films. The molecular structure and adsorption state were investigated. The intrinsic CT state received particular attention by analyzing the CT-related vibration of B<SUB>2</SUB> modes. Using Fourier transform infrared (FTIR), transmission SEIRA and reflection SEIRA spectroscopy, we explained why the relative intensities of some bands were different under different conditions. A quasi-standing orientation of PATP adsorbed on the substrates was also confirmed. More importantly, we demonstrated that there is no perceptible CT between PATP and silver nanoisland films; in contrast, CT generally occurs in a disruptive manner in SERS. Density functional theory (DFT) calculations and the selection rules for infrared (IR) transmission and reflection-absorption spectroscopy were used to analyze the spectra throughout the paper. SEIRA proved to be an effective technique to explore the native adsorption state of molecules without the excessive external disturbance induced by excitation. The results are very important in providing insight into molecules in surface-interface chemistry, enhanced spectroscopy and photoelectronics.</P> <P><B>Highlights</B></P> <P> <UL> <LI> The native state of PATP was investigated when adsorbed on silver substrates. </LI> <LI> FTIR and SEIRA allow a probe method with less interference on surfaces. </LI> <LI> The intrinsic charge-transfer state was analyzed through the vibration modes of B<SUB>2</SUB>. </LI> </UL> </P> <P><B>Graphical Abstract</B></P> <P>[DISPLAY OMISSION]</P>

An MRTF-A–ZEB1–IRF9 axis contributes to fibroblast–myofibroblast transition and renal fibrosis

Zhao Qianwen,Shao Tinghui,Zhu Yuwen,Zong Gengjie,Zhang Junjie,Tang Shifan,Lin Yanshan,Ma Hongzhen,Jiang Zhifan,Xu Yong,Wu Xiaoyan,Zhang Tao 생화학분자생물학회 2023 Experimental and molecular medicine Vol.55 No.-

Myofibroblasts, characterized by the expression of the matricellular protein periostin (Postn), mediate the profibrogenic response during tissue repair and remodeling. Previous studies have demonstrated that systemic deficiency in myocardin-related transcription factor A (MRTF-A) attenuates renal fibrosis in mice. In the present study, we investigated the myofibroblast-specific role of MRTF-A in renal fibrosis and the underlying mechanism. We report that myofibroblast-specific deletion of MRTF-A, achieved through crossbreeding Mrtfa-flox mice with Postn-CreERT2 mice, led to amelioration of renal fibrosis. RNA-seq identified zinc finger E-Box binding homeobox 1 (Zeb1) as a downstream target of MRTF-A in renal fibroblasts. MRTF-A interacts with TEA domain transcription factor 1 (TEAD1) to bind to the Zeb1 promoter and activate Zeb1 transcription. Zeb1 knockdown retarded the fibroblast–myofibroblast transition (FMyT) in vitro and dampened renal fibrosis in mice. Transcriptomic assays showed that Zeb1 might contribute to FMyT by repressing the transcription of interferon regulatory factor 9 (IRF9). IRF9 knockdown overcame the effect of Zeb1 depletion and promoted FMyT, whereas IRF9 overexpression antagonized TGF-β-induced FMyT. In conclusion, our data unveil a novel MRTF-A–Zeb1–IRF9 axis that can potentially contribute to fibroblast–myofibroblast transition and renal fibrosis. Screening for small-molecule compounds that target this axis may yield therapeutic options for the mollification of renal fibrosis.

Fabrication of novel compound SERS substrates composed of silver nanoparticles and porous gold nanoclusters: A study on enrichment detection of urea

Li, Yali,Li, Qianwen,Sun, Chengbin,Jin, Sila,Park, Yeonju,Zhou, Tieli,Wang, Xu,Zhao, Bing,Ruan, Weidong,Jung, Young Mee Elsevier 2018 APPLIED SURFACE SCIENCE - Vol.427 No.2

<P><B>Abstract</B></P> <P>A new type of surface-enhanced Raman scattering (SERS) substrate was fabricated through the layer-by-layer self-assembly of silver nanoparticles (AgNPs, av. 45nm in diameter) and porous gold nanoclusters/nanoparticles (AuNPs, av. 143nm in diameter). The development of the porosity of the AuNPs was investigated, and successful SERS applications of the porous AuNPs were also examined. As compared with AgNP films, the enhancement factor of Ag-Au compound substrates is increased 6 times at the concentration of 10<SUP>−6</SUP> M. This additional enhancement contributes to the trace-amount-detection of target molecules enormously. The contribution is generated through the increase of the usable surface area arising from the nanoscale pores distributed three-dimensionally in the porous AuNPs, which enrich the adsorption sites and hot spots for the adsorption of probe molecules, making the developed nanofilms highly sensitive SERS substrates. The substrates were used for the detection of a physiological metabolite of urea molecules. The results reached to a very low concentration of 1mM and exhibited good quantitative character over the physiological concentration range (1∼20mM) under mimicking biophysical conditions. These results show that the prepared substrate has great potential in the ultrasensitive SERS-based detection and in SERS-based biosensors.</P> <P><B>Highlights</B></P> <P> <UL> <LI> A new type of SERS substrate, consisting of silver nanoparticles and porous gold nanoparticles was fabricated. </LI> <LI> An additional enhancement contribution generated from the porous characteristic of gold nanoparticles. </LI> <LI> The substrates were used for the detection of a physiological metabolite of urea molecules. </LI> <LI> The results exhibited good quantitative character over all the physiological concentration range (1∼20 mM). </LI> </UL> </P> <P><B>Graphical abstract</B></P> <P>[DISPLAY OMISSION]</P>