中国商业银行保持适度规模发展的研究——基于银行业饱和度与系统性风险的分析   总被引：1，自引：0，他引：1  

陆岷峰  张惠 《衡阳师范学院学报》2011,32(1):42-49

近年来,中国商业银行规模急聚扩大,在促进经济快速发展的同时也积聚了相当的风险。对中国商业银行饱和度、系统性风险及风险控制能力的客观评估都涉及到中国金融发展的战略问题。作者认为,当前中国商业银行规模存在局部过度饱和以及较大系统性风险,保持中国商业银行规模适度、协调发展,不断优化中国的商业银行结构,推进利率市场化进程等是保持中国金融健康发展的有效保证。  相似文献   

Development and validation of the short use of creative cognition scale in studying     

Jekaterina Rogaten 《教育心理学》2015,35(3):294-314

This paper reports the development and validation of a short Use of Creative Cognition Scale in Studying (UCCS) that was inspired by the Cognitive Processes Associated with Creativity (CPAC) scale. In Study 1, items from two of the six subscales of the CPAC were excluded due to conceptual and psychometric issues to create a 21-item CPAC scale, which was administered to 517 university students. Exploratory factor analysis revealed that the 21-item CPAC scale is unidimensional. Five items were selected to create the new unidimensional UCCS. In Study 2, 696 students completed the UCCS and a set of scales measuring related constructs. Confirmatory factor analysis corroborated the unidimensional structure of the scale. The scale correlated positively with measures of flow, trait intrinsic motivation, adaptive metacognitive traits and positive affect, it correlated negatively with negative affect, and it did not correlate with core maladaptive metacognitive traits. The findings indicate that the scale is a valid and reliable tool for research and monitoring.  相似文献   

Action at an attentional distance: A study of children's reasoning about causes and effects involving spatial and attentional discontinuity     

Tina A. Grotzer  S. Lynneth Solis 《科学教学研究杂志》2015,52(7):1003-1030

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Student engagement scale: development,reliability and validity     

Selim Gunuc  Abdullah Kuzu 《Assessment & Evaluation in Higher Education》2015,40(4):587-610

In this study, the purpose was to develop a student engagement scale for higher education. The participants were 805 students. In the process of developing the item pool regarding the scale, related literature was examined in detail and interviews were held. Six factors – valuing, sense of belonging, cognitive engagement, peer relationships (emotional engagement-I), relationships with faculty members (emotional engagement-II) and behavioural engagement within the scope of the components of campus engagement and class engagement – made up of 41 items were identified. The total variance explained was 59%. A higher student engagement score was regarded as an indicator that the student had a high level of engagement with the university, campus and class, while a lower score demonstrated that the student’s engagement with the campus and class was weak or that disengagement could occur.  相似文献   

Revisiting Zhang’s scale of transactional distance: refinement and validation using structural equation modeling     

Ravi C. Paul  William Swart  Aixiu Monica Zhang  Kenneth R. MacLeod 《Distance Education》2015,36(3):364-382

Transactional distance has been defined as barriers to students’ engagement with learning in the online environment. This research updates Zhang’s (2003) scale of transactional distance, which quantified the extent of the barriers, in light of the massive changes in today’s web-based learning environment. The resulting revised scale of transactional distance (RSTD) is a parsimonious version with 12 elements (compared to 31 original) that measure the transactional distance between student and teacher, student and student, and student and content. The RSTD has excellent factorial validity and reliability, yields better fit statistics, and is easier and less time-consuming to apply. The transactional distance values are unique predictors of student satisfaction, which is correlated to learning and persistence (a major concern with massive open online courses). This information can form the basis for a systematic approach to improving the design of today’s contemporary open, flexible, distance education courses and thus serve as a valuable tool for researchers and educators alike.  相似文献   

基于体验英语写作教学资源的大学英语作文评改     

刘东燕 《齐齐哈尔师范高等专科学校学报》2015,(1)

本文介绍了基于体验英语写作教学资源平台的多元评分软件易格（e-scorer）。易格通过“初始评分”、“结构评分”、“主题评分”、“综合评分”四个层级的评判,协助大学英语教师完成海量作文的半自动化评阅工作,实验结果表明易格评分结果和人工评分结果呈高相关,评分信度较高。  相似文献   

基于Group-Lasso方法的非均衡数据信用评分模型     

韦勇凤  向一波 《中国科学院大学学报》2021,38(2):181-188

目前商业银行面临的个人信用风险问题极其复杂,如何对个人信用风险进行管理非常重要。个人信用风险建模是其中很关键的一步。利用某商业银行信用卡数据,构建信用评分模型,预测客户的违约概率。通过采用ROSE（random over sampling examples）方法处理类别不均衡的问题,利用Group-Lasso（AUC准则）方法进行变量选择,构建基于Logistic回归的信用评分模型。实证结果表明,该方法对样本数据进行类别不均衡处理的结果比其他模型在判别能力和预测能力上更为有效。采用该方法所构建的模型能够作为客户信用评价决策的有效依据,指导银行及其他金融机构评估顾客个人信用风险,在实际运用中具有良好的可操作性。  相似文献   

图书馆焦虑量表在高校图书馆的应用研究     

马 崴刘凤侠  刘婷婷 《情报探索》2014,(1):130-132

利用修订后的中文图书馆焦虑量表对沈阳农业大学本科学生进行取样测试,发现现今大学生的图书馆焦虑确实存在,并分析了大学生的图书馆焦虑状况,提出了改进高校图书馆服务方式的对策。  相似文献   

城市优质品牌资源对经济效率的影响     

刘玉  董妍妍 《资源科学》2022,44(4):796-808

品牌资源作为最重要的软环境要素之一,对提升城市竞争力与促进高质量发展具有重要意义。本文以世界品牌实验室《中国500最具价值品牌》榜单为基础,以上榜品牌所在城市为研究对象,建立2005—2016年的面板数据,利用双向固定效应模型实证探究了城市优质品牌资源对经济效率的影响。结果显示：①城市优质品牌资源能够促进生产性服务业集聚、提高对外合作水平和创新水平,进而提高城市经济效率,尤其是纯技术效率;②第二产业的优质品牌资源对城市经济效率有促进作用但不显著,第三产业的优质品牌资源能够显著促进城市经济效率提高,而且生产性服务业的优质品牌资源比生活性服务业的优质品牌资源更能促进城市经济效率的提高;③同样的品牌资源规模下,增加品牌数量不能显著提高城市经济效率,而打造优质品牌多样化则有利于城市经济效率提高。本文结果有助于深入了解品牌资源驱动城市经济效率的机制与结果,并为进一步培育优质品牌资源、提高城市经济效率提供借鉴。  相似文献   

中国县域地面坡谱分级及其与人口分布的关系     

彭秋志  朱丹 《资源科学》2022,44(9):1799-1808

针对平均坡度指标难以稳健描述地面坡谱特征的问题,提出一种基于频率累加分位归并的坡谱分级方法。作为验证,运用数字高程模型数据将全国县域分为5个坡级,借助2000年和2020年人口普查数据分析了坡级与人口分布的关系。结果发现：①所提出的分级方法包含频率累加曲线的构建、基于分位数的参考曲线生成、基于相似度的类型归并3个关键步骤,由此得到的全国县域坡级划分方案具备稳健坡度梯度性、宏观空间连片性以及清晰地学含义。②全国县域人口数量总体保持随坡级升高而波动式缩小的特征,且二者间呈现明显的线性负相关关系,线性拟合R²从2000年的0.761上升到了2020年的0.845,20年间人口总数变化量与坡级的线性拟合R²达0.963;人口密度的极端值对其自身的坡级分布有较大影响,当剔除人口密度小于20人/km²和大于2000人/km²的区域后,两个分析年份全国县域人口密度均稳健保持着随坡级升高而线性减小（R² > 0.985）。本文为稳健表达如坡度等环境梯度提供了一种新的可行分级方法,并深化了对中国县域人口分布与坡度关系的认识。  相似文献