Recognizing and Predicting the Non-Performing Loans of Commercial Banks

Zhang Yu,Guan Yongsheng,Yu Gang,Lu Haixia 보안공학연구지원센터 2016 International Journal of Signal Processing, Image Vol.9 No.11

As the reform and opening up going into depth over the past three decades and more, the market economic system has been gradually established. The banking industry grows steadily in the process of the reform. It supports economic development, reduces and defends many financial risks in the processof the reform. However, there are many kinds of risks inside of banks, one of which is that the non-performing loans (NPLs) ratio is too high. Therefore, people should focus on how to accurately classify the banking loans into performing and non-performing ones and how to control and prevent the resulting crisis. This paper deeply analyses China’s NPLs problem for the current period, recognizes and classifies loans types by adopting decision trees, Naïve Bayes and support vector machine (SVM) methods. The experiment result found that the decision trees method can well identify the performing loans and non-performing loans; its accuracy is as high as 94%.

Feature Selection of Nonperforming Loans in Chinese Commercial Banks

Zhang Yu,Yu Gang,Guan Yongsheng,Yang Donghui 보안공학연구지원센터 2015 International Journal of u- and e- Service, Scienc Vol.8 No.3

In recent years, huge amounts of nonperforming loans (NPLs) of commercial banks have become one of the biggest obstacles constraining reform and development in Chinese commercial banks. Finding a way to control the banks’ NPLs is a core issue that it continues to be explored and researched in the finance. In this paper, PCA and relief algorithm in data mining methods were adopted to extract and analyze NPLs characteristics in commercial banks through contrasting the performing and nonperforming loans records, based on the predecessors’ literatures. In this paper, a bank's loans data with 96 features and 10415 samples is collected. At last, we construct nonperforming loans of commercial banks classification model. Our research is very important for capturing warning signal timely, detection of NPLs and sound operation of commercial banks.

The Construction of Emergency Logistics and Integrated Transport System Based on “Scenario-Response” Mode

Yu Zhao,Yongsheng Qian 보안공학연구지원센터 2014 International Journal of Control and Automation Vol.7 No.3

Improving performance of soil stabilizer by scientific combining of industrial wastes

Yu, Hao,Huang, Xin,Ning, Jianguo,Li, Zhanguo,Zhao, Yongsheng Techno-Press 2016 Geomechanics & engineering Vol.10 No.2

In this paper, based on understanding the design theories on soil stabilization, a series of soil stabilizers were prepared with different kinds of industrial wastes such as calcined coal gangue (CCG), blast furnace slag (SS), steel slag (SL), carbide slag (CS), waste alkali liquor (JY), and phosphogypsum (PG). The results indicated that when the Portland cement (PC) proportion was lower than 20% in the stabilizer, for the soil sample selected from Wuhan (WT) and Beijing (BT), the unconfined compress strength (UCS) of the stabilized soil specimens could increase 4.8 times and 5.4 times respectively than that of the specimens stabilized only by PC; compared with the UCS of the specimen stabilized only by PC, the UCS of the specimen which was made from soil sample WT and stabilized by the stabilizer composed only by CCG, CS, and PG increased 1.5 times, and UCS of the specimen which was made from soil sample BT and stabilized by the stabilizer composed only by SS, JY, and PG increased 4.5 times.

Frequency and magnetic properties in the range of 10 kHz to 100 MHz for nanocrystal Fe -Co alloy

Yongsheng Liu,Jincang Zhang,Liming Yu,Guangqiang Jia,Yufeng Zhang,Xinyan Wang,Shixun Cao 한국물리학회 2004 Current Applied Physics Vol.4 No.5

Fe-based soft magnetic alloy with Co-doping was fabricated by high-energy milling. The X-ray diraction (XRD) results exhibita single phased structure,which could be regarded as BCC-like FeCo solid solution,was formed. Moreover,it has also been demonstrated that a nanocrystalline FeCo alloy was obtained and the evaluated grain sizes were about 712 nm. The frequency dependence of the initial permeability and magnetic losses,as well as DC-magnetization measurements,was systematically studiedthen. The results show that thefn (fn is the frequency when the curve of the No.n sample has a minimum value) shifts to the higherfrequency with the increasing Co content in the range of 10 kHz to 100 MHz,while the magnetic losses of the samples decrease withthe increasing Co content at the high frequency (800 kHz to 20 MHz). The Co-doping increases the cut-o frequencies of thesamples and makes the initial permeability to keep a constant value in a wider frequency range. The corresponding peak value of theinitial permeability as function of Co-doping concentration turns to the region of low Co concentration. For the long milling time,the loss apparently decreases beyond 1 MHz.

Bioinspired Fabrication and Evaluation of Molecularly Imprinted Nanocomposite Membranes with Inorganic/Organic Multilevel Structure for the Selective Separation of Emodin

Chao Yu,Jian Lu,Qi Zhang,Hougang Fan,Minjia Meng,Shi Zhou,Yinhua Jiang,Yongsheng Yan,Yilin Wu,Chunxiang Li 성균관대학교(자연과학캠퍼스) 성균나노과학기술원 2019 NANO Vol.14 No.2

High purity emodin is in great demand with the development of medical treatment. Molecularly imprinted membranes (MIMs) have gained wide attention for selective separation of emodin due to its preferable selectivity. In this work, we describe a simple two-step method for developing emodin-imprinted TiO2@CA (ETMIMs) and emodin-imprinted SiO2@CA (ESMIMs) based on organic–inorganic nanoparticle (SiO2/TiO2) modified cellulose acetate membranes at room temperature. SiO2/TiO2 is used to improve the structural stability and roughness of membranes, and dopamine is used as the functional monomer and crosslinker. Importantly, the as-prepared membranes not only exhibited enhanced rebinding capacity (ETMIMs = 30.73 mg g -1 and ESMIMs = 46.04 mg g -1) but also possessed superior rebinding selectivity (2.76 and 2.99 for physcion and 2.42 and 3.30 for aloe emodin onto ETMIMs and ESMIMs) as well as permselectivity (7.59 and 6.69 for physcion and 5.94 and 5.78 for aloe emodin onto ETMIMs and ESMIMs). The regeneration ability of ETMIMs and ESMIMs still maintained 90.4% and 89.2% of the original rebinding capacity after 10 cycling steps, respectively. The ETMIMs and ESMIMs obtained in this work show potential applications for selective separation and purification of emodin from analogs.

Magnetic imprinted nanomicrosphere attached to the surface of bacillus using miniemulsion polymerization for selective recognition of 2,4,6-trichlorophenol from aqueous solutions

Ping Yu,Yongsheng Yan,Qilong Sun,Jianfeng Li,Zhenjiang Tan,Chunxiang Li 한국공업화학회 2015 Journal of Industrial and Engineering Chemistry Vol.29 No.-

In the work, we reported an effective method for the preparation of surface molecularly imprintedpolymers based on bacillus as substrate material with superparamagnetic property throughminiemulsion polymerization. Then, the obtained magnetic surface molecularly imprinted polymers(MMIPs) were evaluated as adsorbents for selective recognition 2,4,6-trichlorophenol (2,4,6-TCP) fromaqueous medium. The resulting MMIPs were characterized by several techniques including FT-IR, SEM,TEM, Raman, XRD, VSM and TGA. The results demonstrated rod-shaped MMIPs was covered withimprinted layer, and exhibited chemical stability and good magnetic sensitivity. Batch mode of bindingstudies were carried out to determine the equilibrium isotherm, kinetics, selectivity adsorption andregeneration of MMIPs toward 2,4,6-TCP. The results indicated that the selective adsorption behaviors ofMMIPs were well described by the Langmuir isotherm model and the pseudo-second-order kineticsmodel. The specific adsorption capacity of MMIPs was 45.16 mg g 1 at 298 K, which was 2.15 timeshigher than that of magnetic non-imprinted polymers (MNIPs). The selective recognition studiesdemonstrated the outstanding affinity and selectivity toward 2,4,6-TCP in the presence of competitivephenols. The regeneration study showed excellent adsorption capacity even after five regenerationcycles. In addition, MMIPs were successfully applied to the extraction of 2,4,6-TCP from milk sample.

Photocatalytic Degradation Mechanism of Tetracycline by Ag@ZnO/C Core–Shell Plasmonic Photocatalyst Under Visible Light

Longbao Yu,Zhefei Ye,Jinze Li,Chunhong Ma,CHANGCHANG MA,XINLIN LIU,Huiqin Wang,Lili Tang,Pengwei Huo,Yongsheng Yan 성균관대학교(자연과학캠퍼스) 성균나노과학기술원 2018 NANO Vol.13 No.6

A series of hamburger-like Ag@ZnO/C core–shell plasmonic photocatalysts have been synthesized via a simple solvothermal method for degradation of tetracycline (TC) under visible light irradiation, possessing high photocatalytic activity and good stability. The presence of localized surface plasmon resonance (LSPR) in the Ag core has increased the photocatalytic activity over an extended wavelength range. The plasmon-induced resonant energy transfer (PIRET) and direct electron transfer (DET) have facilitated the excitation and separation of photogenerated e-/h+pairs, which has been further confirmed by electrochemical investigations. The presences of hydroxyl radicals ( ·OH), superoxide radicals ( · O-2) and singlet oxygen (1O2) in the photocatalytic reaction system of Ag@ZnO/C photocatalyst have been demonstrated by electron spin resonance (ESR) measurements. All of the experiment results indicate that the ternary structure of Ag@ZnO/C can effectively enhance the photocatalytic activity. Furthermore, the effects of introduced Ag contents and carbon source dosage were researched by comparative photocatalytic experiments, and the potential structures of photodegradation products were studied by HPLC-MS.

Preparation and characterization of molecularly-imprinted magnetic microspheres for adsorption of 2,4,6-trichlorophenol from aqueous solutions

Ping Yu,Qilong Sun,Jianfeng Li,Zhenjiang Tan,Jianming Pan,Yongsheng Yan 한국화학공학회 2015 Korean Journal of Chemical Engineering Vol.32 No.4

Magnetic molecularly imprinted microspheres (MMIS) were successfully prepared by suspension polymerization,and then as-prepared MMIS were used as adsorbents for selective recognition of 2,4,6-trichlorophenol (2,4,6-TCP) from aqueous solutions. The results composites were characterized by Fourier transform infrared (FT-IR), X-raydiffraction (XRD), thermo gravimetric analysis (TGA), scanning electron microscope (SEM) and vibrating samplemagnetometer (VSM). The results demonstrated that MMIS possesses porous spherical morphology, and exhibits goodthermal stability and magnetic property (Ms=10.14 emu g−1). Then batch mode of binding experiments was used todetermine the equilibrium, kinetics and selectivity recognition. The Langmuir isotherm model fitted the equilibriumdata better than did the Freundlich model, and the maximum adsorption capacity on MMIS was about 1.7 times higherthan that of MNIS. Kinetics behaviors of MMIS were well described by the pseudo-second-order model. MMIS possessedoutstanding selectivity recognition for 2,4,6-TCP in the presence of other competitive phenols (such as sesamol,3-CP, thymol, 2,4-DCP). Furthermore, the reusability performance of MMIS showed about 17.53% loss after five repeatedcycles. Finally, the MMIS were successfully applied to the selective extraction of 2,4,6-TCP from the vegetablesamples.

Effects of puerarin on the Akt signaling pathway in bovine preadipocyte differentiation

Yun, Jinyan,Yu, Yongsheng,Zhou, Guoli,Luo, Xiaotong,Jin, Haiguo,Zhao, Yumin,Cao, Yang Asian Australasian Association of Animal Productio 2020 Animal Bioscience Vol.33 No.1

Objective: Puerarin has the potential of regulating the differentiation of preadipocytes, but its mechanism of action has not yet been elucidated. Adipocytes found in adipose tissue, the main endocrine organ, are the main sites of lipid deposition, and are widely used as a cell model in the study of in vitro fat deposition. This study aimed to investigate the effects of puerarin on adipogenesis in vitro. Methods: Puerarin was added to the culture medium during the process of adipogenesis. The proliferation and differentiation of bovine preadipocytes was measured through cell viability and staining with oil red O. The content of triacylglycerol was measured using a triglyceride assay kit. The mRNA and protein expression levels of adipogenic genes, peroxisome proliferator-activated receptor-γ (PPARγ) and CCAAT/enhancer-binding protein-α, were measured using quantitative real-time polymerase chain reaction and western blotting, respectively. Results: The addition of puerarin significantly increased adipogenesis of bovine preadipocytes and enhanced the mRNA and protein level expression of PPARγ (p<0.01). The expression of P-Akt increased after adipogenic hormonal induction, whereas puerarin significantly increased PPARγ expression by promoting the Akt signaling component, P-Akt. The mechanism of adipogenesis was found to be related to the phosphorylation level of Ser473, which may activate the downstream signaling of the Akt pathway. Conclusion: Puerarin was able to promote the differentiation of preadipocytes and improve fat deposition in cattle. The mechanism of adipogenesis was found to be related to the phosphorylation level of Ser473.