Seasonal and diel patterns in sedimentary flux of krill fecal pellets recorded by an echo sounder

KAUST Repository

Rø stad, Anders; Kaartvedt, Stein

2013-01-01

We used a moored upward-facing 200 kHz echo sounder to address sedimentation of fecal pellets (FPs) from dielly migrating Meganyctiphanes norvegica. The echo sounder was located on the bottom at 150 m depth in the Oslofjord, Norway, and was cabled

Effects of Credit on Economic Growth, Unemployment and Poverty

Directory of Open Access Journals (Sweden)

Mangasa Augustinus Sipahutar

2016-06-01

              Effect of credit on economic growth, unemployment and poverty provides evidence from Indonesia on the role of banks credit for promoting economic growth and reducing both unemployment and poverty.  To document the link between banks credit and economic growth, we estimate a VAR model and variance decompositions of annual GDP per capita growth rates to examine what proxy measures of banks credit are most important in accounting for economic growth over time and how much they contribute to explaining economic growth.  We also estimate an ECM to document the relationship between banks credit to both unemployment and poverty.  This paper revealed bi-direction causality between banks credit and economic growth.  Banks credit promotes economic growth and economic growth affects credit depth and financial development.  Furthermore, banks credit is a growth accelerating factor on Indonesian economic growth.  Banks credit is an endogenous growth and a good predictor on Indonesian economy. Our estimation model explained that credit allocated by banks increases business escalation to the real sectors then promotes economic growth, decreases unemployment rate through increasing in labor demanded, increases income and then decrease poverty.  This overall transmission mechanism just occurred through presence of banks credit by increasing money supply to the real sectors, promotes growth and social welfare.   Keywords :  banks credit, economic growth, growth accelerating factor, poverty, unemployment   JEL Classification : E51, E52, E58

Deep convective cloud characterizations from both broadband imager and hyperspectral infrared sounder measurements

Science.gov (United States)

Ai, Yufei; Li, Jun; Shi, Wenjing; Schmit, Timothy J.; Cao, Changyong; Li, Wanbiao

2017-02-01

Deep convective storms have contributed to airplane accidents, making them a threat to aviation safety. The most common method to identify deep convective clouds (DCCs) is using the brightness temperature difference (BTD) between the atmospheric infrared (IR) window band and the water vapor (WV) absorption band. The effectiveness of the BTD method for DCC detection is highly related to the spectral resolution and signal-to-noise ratio (SNR) of the WV band. In order to understand the sensitivity of BTD to spectral resolution and SNR for DCC detection, a BTD to noise ratio method using the difference between the WV and IR window radiances is developed to assess the uncertainty of DCC identification for different instruments. We examined the case of AirAsia Flight QZ8501. The brightness temperatures (Tbs) over DCCs from this case are simulated for BTD sensitivity studies by a fast forward radiative transfer model with an opaque cloud assumption for both broadband imager (e.g., Multifunction Transport Satellite imager, MTSAT-2 imager) and hyperspectral IR sounder (e.g., Atmospheric Infrared Sounder) instruments; we also examined the relationship between the simulated Tb and the cloud top height. Results show that despite the coarser spatial resolution, BTDs measured by a hyperspectral IR sounder are much more sensitive to high cloud tops than broadband BTDs. As demonstrated in this study, a hyperspectral IR sounder can identify DCCs with better accuracy.

The Keck keyword layer

Science.gov (United States)

Conrad, A. R.; Lupton, W. F.

1992-01-01

Each Keck instrument presents a consistent software view to the user interface programmer. The view consists of a small library of functions, which are identical for all instruments, and a large set of keywords, that vary from instrument to instrument. All knowledge of the underlying task structure is hidden from the application programmer by the keyword layer. Image capture software uses the same function library to collect data for the image header. Because the image capture software and the instrument control software are built on top of the same keyword layer, a given observation can be 'replayed' by extracting keyword-value pairs from the image header and passing them back to the control system. The keyword layer features non-blocking as well as blocking I/O. A non-blocking keyword write operation (such as setting a filter position) specifies a callback to be invoked when the operation is complete. A non-blocking keyword read operation specifies a callback to be invoked whenever the keyword changes state. The keyword-callback style meshes well with the widget-callback style commonly used in X window programs. The first keyword library was built for the two Keck optical instruments. More recently, keyword libraries have been developed for the infrared instruments and for telescope control. Although the underlying mechanisms used for inter-process communication by each of these systems vary widely (Lick MUSIC, Sun RPC, and direct socket I/O, respectively), a basic user interface has been written that can be used with any of these systems. Since the keyword libraries are bound to user interface programs dynamically at run time, only a single set of user interface executables is needed. For example, the same program, 'xshow', can be used to display continuously the telescope's position, the time left in an instrument's exposure, or both values simultaneously. Less generic tools that operate on specific keywords, for example an X display that controls optical

The Keyword Bank as a tool for finding exclusive keywords in WordSmith Tools

Directory of Open Access Journals (Sweden)

Tony Berber Sardinha

2008-12-01

Full Text Available KeyWords is a very useful program for computer text analysis found in WordSmith Tools. A problem with KeyWords, though, is the large number of keywords returned by the program, which can be at least 500. This paper proposes a procedure for making reductions in lists of keywords based on the concept of exclusive keywords. These are words that are key in the study corpus only, in comparison to lots of others. This procedure draws on the existence of a keyword bank, which is a collection of keywords from several corpora. When contrasted to a study corpus, the keyword bank brings up keywords that are found in the study corpus only, leaving out those that are key in other corpora. This enables the researcher to focus on words that are most typical of his/her own corpus. The analysis reported here, carried out with a large multi-register keyword bank, suggests that the keyword bank achieved its goal, by allowing for a 77% reduction in the total keywords, and by selecting keywords that are most representative of the study corpus in question.

Keyword Search in Databases

CERN Document Server

Yu, Jeffrey Xu; Chang, Lijun

2009-01-01

It has become highly desirable to provide users with flexible ways to query/search information over databases as simple as keyword search like Google search. This book surveys the recent developments on keyword search over databases, and focuses on finding structural information among objects in a database using a set of keywords. Such structural information to be returned can be either trees or subgraphs representing how the objects, that contain the required keywords, are interconnected in a relational database or in an XML database. The structural keyword search is completely different from

The Expected Impacts of NPOESS Microwave and Infrared Sounder Radiances on Operational Numerical Weather Prediction and Data Assimilation Systems

Science.gov (United States)

Swadley, S. D.; Baker, N.; Derber, J.; Collard, A.; Hilton, F.; Ruston, B.; Bell, W.; Candy, B.; Kleespies, T. J.

2009-12-01

The NPOESS atmospheric sounding functionality will be accomplished using two separate sensor suites, the combined infrared (IR) and microwave (MW) sensor suite (CrIMSS), and the Microwave Imager/Sounder (MIS) instrument. CrIMSS consists of the Cross Track Infrared Sounder (CrIS) and the cross track Advanced Technology Microwave Sounder (ATMS), and is scheduled to fly on the NPOESS Preparatory Project (NPP), and NPOESS operational flight units C1 and C3. The MIS is a conical scanning polarimetric imager and sounder patterned after the heritage WindSat, and DMSP Special Sensor Microwave Imagers and Sounders (SSMI and SSMIS), and is scheduled for flight units C2, C3 and C4. ATMS combines the current operational Advanced Microwave Sounding Unit (AMSU) and the Microwave Humidity Sounder (MHS), but with an additional channel in the 51.76 GHz oxygen absorption region and 3 additional channels in the 165.5 and 183 GHz water vapor absorption band. CrIS is a Fourier Transform Spectrometer and will provide 159 shortwave IR channels, 433 mid-range IR channels, and 713 longwave IR channels. The heritage sensors for CrIS are the NASA Advanced Infrared Sounder (AIRS) and the MetOp-A Infrared Atmospheric Sounding Interferometer (IASI). Both AIRS and IASI are high quality, high spectral resolution sounders which represent a significant improvement in the effective vertical resolution over previous IR sounders. This presentation will give an overview of preparations underway for day-1 monitoring of NPP/NPOESS radiances, and subsequent operational radiance assimilation. These preparations capitalize on experience gained during the pre-launch preparations, sensor calibration/validation and operational assimilation for the heritage sensors. One important step is to use pre-flight sensor channel specifications, noise estimates and knowledge of the antenna patterns, to generate and test proxy NPP/NPOESS sensor observations in existing assimilation systems. Other critical factors for

CREDIT SYSTEM AND CREDIT GUARANTEE PROGRAMS

OpenAIRE

Turgay GECER

2012-01-01

Credit system is an integrated architecture consisted of financial information, credit rating, credit risk management, receivables and credit insurance systems, credit derivative markets and credit guarantee programs. The main purpose of the credit system is to provide the functioning of all credit channels and to make it easy to access of credit sources demanded by all of real and legal persons in any economic system. Credit guarantee program, the one of prominent elements of the credit syst...

Seasonal and diel patterns in sedimentary flux of krill fecal pellets recorded by an echo sounder

KAUST Repository

Røstad, Anders

2013-11-01

We used a moored upward-facing 200 kHz echo sounder to address sedimentation of fecal pellets (FPs) from dielly migrating Meganyctiphanes norvegica. The echo sounder was located on the bottom at 150 m depth in the Oslofjord, Norway, and was cabled to shore for continuous measurements during winter and spring. Records of sinking pellets were for the first time observed with an echo sounder. Seasonal patterns of sedimentation of krill FPs were strongly correlated with data from continuous measurement of fluorescence, which illustrate the development of the spring bloom. Sedimenting particles were first observed as fluorescence values started to increase at the end of February and continued to increase until the bloom suddenly culminated at the end of March. This collapse of the bloom was detected on the echo sounder as a pulse of slowly sinking acoustic targets over a 2 d period. Prior to this event, there was a strong diel pattern in sedimentation, which correlated, with some time lag, with the diel migration of krill foraging at night near the surface. Pellet average sinking speeds ranged between 423 m d−1 and 804 m d−1, with a strong relation to pellet target strength, which is an acoustic proxy for size. This novel approach shows that echo sounders may be a valuable tool in studies of vertical pellet flux and, thereby, carbon flux, providing temporal resolution and direct observation of the sedimentation process, which are not obtained from standard methods.

P-sounder: an airborne P-band ice sounding radar

DEFF Research Database (Denmark)

Dall, Jørgen; Skou, Niels; Kusk, Anders

2007-01-01

is to test new ice sounding techniques, e.g. polarimetry, synthetic aperture processing, and coherent clutter suppression. A system analysis involving ice scattering models confirms that it is feasible to detect the bedrock through 4 km of ice and to detect deep ice layers. The ice sounder design features...

Evidence of Convective Redistribution of Carbon Monoxide in Aura Tropospheric Emission Sounder (TES) and Microwave Limb Sounder (MLS) Observations

Science.gov (United States)

Manyin, Michael; Douglass, Anne; Schoeberl, Mark

2010-01-01

Vertical convective transport is a key element of the tropospheric circulation. Convection lofts air from the boundary layer into the free troposphere, allowing surface emissions to travel much further, and altering the rate of chemical processes such as ozone production. This study uses satellite observations to focus on the convective transport of CO from the boundary layer to the mid and upper troposphere. Our hypothesis is that strong convection associated with high rain rate regions leads to a correlation between mid level and upper level CO amounts. We first test this hypothesis using the Global Modeling Initiative (GMI) chemistry and transport model. We find the correlation is robust and increases as the precipitation rate (the strength of convection) increases. We next examine three years of CO profiles from the Tropospheric Emission Sounder (TES) and Microwave Limb Sounder (MLS) instruments aboard EOS Aura. Rain rates are taken from the Tropical Rainfall Measuring Mission (TRMM) 3B-42 multi-satellite product. Again we find a correlation between mid-level and upper tropospheric CO, which increases with rain rate. Our result shows the critical importance of tropical convection in coupling vertical levels of the troposphere in the transport of trace gases. The effect is seen most clearly in strong convective regions such as the Inter-tropical Convergence Zone.

Was there evidence of credit rationing in the Czech Republic

Czech Academy of Sciences Publication Activity Database

Pruteanu, Anca

2004-01-01

Roč. 42, č. 5 (2004), s. 58-72 ISSN 0012-8775 Keywords : disequilibrium * credit rationing Subject RIV: AH - Economics Impact factor: 0.233, year: 2004 http://search.ebscohost.com/login.aspx?direct=true&db=bth&AN=14617535&site=ehost-live

Credit markets and the propagation of monetary policy shocks

Czech Academy of Sciences Publication Activity Database

Boháček, Radim; Mendizábal, H. R.

2007-01-01

Roč. 39, č. 6 (2007), s. 1429-1455 ISSN 0022-2879 R&D Projects: GA AV ČR IAA700850602 Institutional research plan: CEZ:AV0Z70850503 Keywords : credit * monetary policy shock * heterogeneous agents Subject RIV: AH - Economics Impact factor: 0.947, year: 2007

Study of Geological Analogues for Understanding the Radar Sounder Response of the RIME Targets

Science.gov (United States)

Thakur, S.; Bruzzone, L.

2017-12-01

Radar for Icy Moon Exploration (RIME), the radar sounder onboard the Jupiter Icy Moons Explorer (JUICE), is aimed at characterizing the ice shells of the Jovian moons - Ganymede, Europa and Callisto. RIME is optimized to operate at 9 MHz central frequency with bandwidth of 1 MHz and 2.7 MHz to achieve a penetration depth up to 9 km through ice. We have developed an approach to the definition of a database of simulated RIME radargrams by leveraging the data available from airborne and orbital radar sounder acquisitions over geological analogues of the expected icy moon features. These simulated radargrams are obtained by merging real radar sounder data with models of the subsurface of the Jupiter icy moons. They will be useful for geological interpretation of the RIME radargrams and for better predicting the performance of RIME. The database will also be useful in developing pre-processing and automatic feature extraction algorithms to support data analysis during the mission phase of RIME. Prior to the JUICE mission exploring the Jovian satellites with RIME, there exist radar sounders such as SHARAD (onboard MRO) and MARSIS (onboard MEX) probing Mars, the LRS (onboard SELENE) probing the Moon, and many airborne sounders probing the polar regions of Earth. Analogues have been identified in these places based on similarity in geo-morphological expression. Moreover, other analogues have been identified on the Earth for possible dedicated acquisition campaigns before the RIME operations. By assuming that the subsurface structure of the RIME targets is approximately represented in the analogue radargrams, the difference in composition is accounted for by imposing different dielectric and subsurface attenuation models. The RIME radargrams are simulated from the analogue radargrams using the radar equation and the RIME processing chain and accounting for different possible scenarios in terms of subsurface structure, dielectric properties and instrument parameters. For

Keywords

Science.gov (United States)

Doecke, Brenton; Howie, Mark; Sawyer, Wayne

2007-01-01

Borrowing the title of Raymond Williams' famous study, the following reflections--sometimes collective and sometimes individual--are based on a series of "Keywords", specifically: "fear", "community" and "creativity". By reflecting on the meanings these words have for us today, we attempt to capture their dialogical character, posing them as sites…

Credit shocks in the financial deregulatory era: not the usual suspects

Czech Academy of Sciences Publication Activity Database

Benk, S.; Gillman, M.; Kejak, Michal

-, E2005/13 (2005), s. 1-28 ISSN 1749-6101 Institutional research plan: CEZ:AV0Z70850503 Keywords : business cycle * credit shocks * financial deregulation Subject RIV: AH - Economics http://www.cardiff.ac.uk/carbs/econ/workingpapers/papers/2005_13.pdf

Effects of trust fund model credit intervention on welfare of farmers ...

African Journals Online (AJOL)

... recommended that the administrative bottlenecks associated with fund release and processing of interest drawback be addressed. Also, amount loanable should be increased, while condition of collateral counterpart funding be relaxed. Keywords: Agricultural credit, Per capital expenditure, Core poor, Household welfare ...

Money velocity in an endogenous growth business cycle with credit shocks

Czech Academy of Sciences Publication Activity Database

Benk, S.; Gillman, M.; Kejak, Michal

-, E2007/14 (2007), s. 1-16 ISSN 1749-6101 Institutional research plan: CEZ:MSM0021620846 Keywords : money velocity * business cycle * credit shocks Subject RIV: AH - Economics http://www.cf.ac.uk/carbs/econ/workingpapers/papers/E2007_14.pdf

UARS Improved Stratospheric and Mesospheric Sounder (ISAMS) Level 3AL V001

Data.gov (United States)

National Aeronautics and Space Administration — The Improved Stratospheric and Mesospheric Sounder (ISAMS) Level 3AL data product consists of daily, 4 degree increment latitude-ordered vertical profiles of...

UARS Improved Stratospheric and Mesospheric Sounder (ISAMS) Level 3AT V001

Data.gov (United States)

National Aeronautics and Space Administration — The Improved Stratospheric and Mesospheric Sounder (ISAMS) Level 3AT data product consists of daily, 65.536 second interval time-ordered vertical profiles of...

Direction-of-Arrival Analysis of Airborne Ice Depth Sounder Data

DEFF Research Database (Denmark)

Nielsen, Ulrik; Yan, Jie-Bang; Gogineni, Sivaprasad

2017-01-01

In this paper, we analyze the direction-of arrival(DOA) of the ice-sheet data collected over Jakobshavn Glacier with the airborne Multichannel Radar Depth Sounder (MCRDS) during the 2006 field season. We extracted weak ice–bed echoes buried in signals scattered by the rough surface of the fast...

Standardization of Keyword Search Mode

Science.gov (United States)

Su, Di

2010-01-01

In spite of its popularity, keyword search mode has not been standardized. Though information professionals are quick to adapt to various presentations of keyword search mode, novice end-users may find keyword search confusing. This article compares keyword search mode in some major reference databases and calls for standardization. (Contains 3…

Total column ozone retrieval using INSAT-3D sounder in the tropics ...

Indian Academy of Sciences (India)

important for ozone estimation and lower instrument noise results in better ozone ... the Indian Space Research Organisation (ISRO) ... tivity of the sounder ozone band corresponding to .... NOAA Climate Monitoring and Diagnostics Labo-.

Real Implications of Bursting Asset Price Bubbles in Economies with Bank Credit

Czech Academy of Sciences Publication Activity Database

Derviz, Alexis

2011-01-01

Roč. 61, č. 1 (2011), s. 92-116 ISSN 0015-1920 Institutional research plan: CEZ:AV0Z10750506 Keywords : bank * credit * asset price * bubble * macroprudential policy Subject RIV: AH - Economics Impact factor: 0.346, year: 2011

Money velocity in an endogenous growth business cycle with credit shocks

Czech Academy of Sciences Publication Activity Database

Benk, S.; Gillman, M.; Kejak, Michal

2008-01-01

Roč. 40, č. 6 (2008), s. 1281-1293 ISSN 0022-2879 R&D Projects: GA MŠk LC542 Institutional research plan: CEZ:AV0Z70850503 Keywords : money velocity * business cycle * credit shocks Subject RIV: AH - Economics Impact factor: 1.422, year: 2008

Implementing earth observation and advanced satellite based atmospheric sounders for water resource and climate modelling

DEFF Research Database (Denmark)

Boegh, E.; Dellwik, Ebba; Hahmann, Andrea N.

2010-01-01

This paper discusses preliminary remote sensing (MODIS) based hydrological modelling results for the Danish island Sjælland (7330 km2) in relation to project objectives and methodologies of a new research project “Implementing Earth observation and advanced satellite based atmospheric sounders....... For this purpose, a) internal catchment processes will be studied using a Distributed Temperature Sensing (DTS) system, b) Earth observations will be used to upscale from field to regional scales, and c) at the largest scale, satellite based atmospheric sounders and meso-scale climate modelling will be used...

Development of the Advanced Technology Microwave Sounder (ATMS) for NPOESS C1

Science.gov (United States)

Brann, C.; Kunkee, D.

2008-12-01

The National Polar-orbiting Operational Environmental Satellite System's Advanced Technology Microwave Sounder (ATMS) is planned for flight on the first NPOESS mission (C1) in 2013. The C1 ATMS will be the second instrument of the ATMS series and will provide along with the companion Cross-track Infrared Sounder (CrIS), atmospheric temperature and moisture profiles for NPOESS. The first flight of the ATMS is scheduled in 2010 on the NPOESS Preparatory Project (NPP) satellite, which is an early instrument risk reduction component of the NPOESS mission. This poster will focus on the development of the ATMS for C1 including aspects of the sensor calibration, antenna beam and RF characteristics and scanning. New design aspects of the C1 ATMS, required primarily by parts obsolescence, will also be addressed in this poster.

Credit Scoring Problem Based on Regression Analysis

OpenAIRE

Khassawneh, Bashar Suhil Jad Allah

2014-01-01

ABSTRACT: This thesis provides an explanatory introduction to the regression models of data mining and contains basic definitions of key terms in the linear, multiple and logistic regression models. Meanwhile, the aim of this study is to illustrate fitting models for the credit scoring problem using simple linear, multiple linear and logistic regression models and also to analyze the found model functions by statistical tools. Keywords: Data mining, linear regression, logistic regression....

Sensor System Performance Evaluation and Benefits from the NPOESS Airborne Sounder Testbed-Interferometer (NAST-I)

Science.gov (United States)

Larar, A.; Zhou, D.; Smith, W.

2009-01-01

Advanced satellite sensors are tasked with improving global-scale measurements of the Earth's atmosphere, clouds, and surface to enable enhancements in weather prediction, climate monitoring, and environmental change detection. Validation of the entire measurement system is crucial to achieving this goal and thus maximizing research and operational utility of resultant data. Field campaigns employing satellite under-flights with well-calibrated FTS sensors aboard high-altitude aircraft are an essential part of this validation task. The National Polar-orbiting Operational Environmental Satellite System (NPOESS) Airborne Sounder Testbed-Interferometer (NAST-I) has been a fundamental contributor in this area by providing coincident high spectral/spatial resolution observations of infrared spectral radiances along with independently-retrieved geophysical products for comparison with like products from satellite sensors being validated. This paper focuses on some of the challenges associated with validating advanced atmospheric sounders and the benefits obtained from employing airborne interferometers such as the NAST-I. Select results from underflights of the Aqua Atmospheric InfraRed Sounder (AIRS) and the Infrared Atmospheric Sounding Interferometer (IASI) obtained during recent field campaigns will be presented.

MODELING CREDIT RISK THROUGH CREDIT SCORING

OpenAIRE

Adrian Cantemir CALIN; Oana Cristina POPOVICI

2014-01-01

Credit risk governs all financial transactions and it is defined as the risk of suffering a loss due to certain shifts in the credit quality of a counterpart. Credit risk literature gravitates around two main modeling approaches: the structural approach and the reduced form approach. In addition to these perspectives, credit risk assessment has been conducted through a series of techniques such as credit scoring models, which form the traditional approach. This paper examines the evolution of...

Money velocity in an endogenous growth business cycle with credit shocks

Czech Academy of Sciences Publication Activity Database

Benk, S.; Gillman, M.; Kejak, Michal

-, 2007/5 (2007), s. 1-17 ISSN 1585-5600 R&D Projects: GA MŠk LC542 Institutional research plan: CEZ:MSM0021620846 Keywords : money velocity * business cycle * credit shocks Subject RIV: AH - Economics http://www.mnb.hu/Root/Dokumentumtar/MNB/Kiadvanyok/mnbhu_mnbfuzetek/WP_2007_5.pdf

Cultural Keywords in Discourse

DEFF Research Database (Denmark)

contributes to a global turn in cultural keyword studies by exploring keywords from discourse communities in Australia, Brazil, Hong Kong, Japan, Melanesia, Mexico and Scandinavia. Providing new case studies, the volume showcases the diversity of ways in which cultural logics form and shape discourse...

Default predictors in retail credit scoring: evidence from Czech banking data

Czech Academy of Sciences Publication Activity Database

Kočenda, Evžen; Vojtek, M.

2011-01-01

Roč. 47, č. 6 (2011), s. 80-98 ISSN 1540-496X R&D Projects: GA ČR GA402/09/1595; GA MŠk LC542 Institutional research plan: CEZ:MSM0021620846 Keywords : banking sector * credit scoring * discrimination analysis Subject RIV: AH - Economics Impact factor: 0.953, year: 2011

ISIS Topside-Sounder Plasma-Wave Investigations as Guides to Desired Virtual Wave Observatory (VWO) Data Search Capabilities

Science.gov (United States)

Benson, Robert F.; Fung, Shing F.

2008-01-01

Many plasma-wave phenomena, observed by space-borne radio sounders, cannot be properly explained in terms of wave propagation in a cold plasma consisting of mobile electrons and infinitely massive positive ions. These phenomena include signals known as plasma resonances. The principal resonances at the harmonics of the electron cyclotron frequency, the plasma frequency, and the upper-hybrid frequency are well explained by the warm-plasma propagation of sounder-generated electrostatic waves, Other resonances have been attributed to sounder-stimulated plasma instability and non-linear effects, eigenmodes of cylindrical electromagnetic plasma oscillations, and plasma memory processes. Data from the topside sounders of the International Satellites for Ionospheric Studies (ISIS) program played a major role in these interpretations. A data transformation and preservation effort at the Goddard Space Flight Center has produced digital ISIS topside ionograms and a metadata search program that has enabled some recent discoveries pertaining to the physics of these plasma resonances. For example, data records were obtained that enabled the long-standing question (several decades) of the origin of the plasma resonance at the fundamental electron cyclotron frequency to be explained [Muldrew, Radio Sci., 2006]. These data-search capabilities, and the science enabled by them, will be presented as a guide to desired data search capabilities to be included in the Virtual Wave Observatory (VWO).

Financial performance as a decision criterion of credit scoring models selection [doi: 10.21529/RECADM.2017004

Directory of Open Access Journals (Sweden)

Rodrigo Alves Silva

2017-09-01

Full Text Available This paper aims to show the importance of the use of financial metrics in decision-making of credit scoring models selection. In order to achieve such, we considered an automatic approval system approach and we carried out a performance analysis of the financial metrics on the theoretical portfolios generated by seven credit scoring models based on main statistical learning techniques. The models were estimated on German Credit dataset and the results were analyzed based on four metrics: total accuracy, error cost, risk adjusted return on capital and Sharpe index. The results show that total accuracy, widely used as a criterion for selecting credit scoring models, is unable to select the most profitable model for the company, indicating the need to incorporate financial metrics into the credit scoring model selection process. Keywords Credit risk; Model’s selection; Statistical learning.

Does bank competition reduce cost of credit? Cross-country evidence from Europe

Czech Academy of Sciences Publication Activity Database

Fungáčová, Z.; Shamshur, Anastasiya; Weill, L.

2017-01-01

Roč. 83, October (2017), s. 104-120 ISSN 0378-4266 R&D Projects: GA ČR(CZ) GA14-31783S Institutional support: RVO:67985998 Keywords : bank competition * bank concentration * cost of credit Subject RIV: AH - Economics OBOR OECD: Finance Impact factor: 1.776, year: 2016

Hidden policy ciphertext-policy attribute-based encryption with keyword search against keyword guessing attack

Institute of Scientific and Technical Information of China (English)

Shuo; QIU; Jiqiang; LIU; Yanfeng; SHI; Rui; ZHANG

2017-01-01

Attribute-based encryption with keyword search(ABKS) enables data owners to grant their search capabilities to other users by enforcing an access control policy over the outsourced encrypted data. However,existing ABKS schemes cannot guarantee the privacy of the access structures, which may contain some sensitive private information. Furthermore, resulting from the exposure of the access structures, ABKS schemes are susceptible to an off-line keyword guessing attack if the keyword space has a polynomial size. To solve these problems, we propose a novel primitive named hidden policy ciphertext-policy attribute-based encryption with keyword search(HP-CPABKS). With our primitive, the data user is unable to search on encrypted data and learn any information about the access structure if his/her attribute credentials cannot satisfy the access control policy specified by the data owner. We present a rigorous selective security analysis of the proposed HP-CPABKS scheme, which simultaneously keeps the indistinguishability of the keywords and the access structures. Finally,the performance evaluation verifies that our proposed scheme is efficient and practical.

Investment, credit rationing, and the soft budget constraint: evidence from Czech panel data

Czech Academy of Sciences Publication Activity Database

Lízal, Lubomír; Švejnar, Jan

2002-01-01

Roč. 84, č. 2 (2002), s. 353-370 ISSN 0034-6535 R&D Projects: GA AV ČR KSK9058117 Institutional research plan: CEZ:AV0Z7085904 Keywords : investments * credit * rationing Subject RIV: AH - Economics Impact factor: 1.085, year: 2002

Collective spatial keyword querying

DEFF Research Database (Denmark)

Cao, Xin; Cong, Gao; Jensen, Christian S.

2011-01-01

With the proliferation of geo-positioning and geo-tagging, spatial web objects that possess both a geographical location and a textual description are gaining in prevalence, and spatial keyword queries that exploit both location and textual description are gaining in prominence. However, the quer......With the proliferation of geo-positioning and geo-tagging, spatial web objects that possess both a geographical location and a textual description are gaining in prevalence, and spatial keyword queries that exploit both location and textual description are gaining in prominence. However......, the queries studied so far generally focus on finding individual objects that each satisfy a query rather than finding groups of objects where the objects in a group collectively satisfy a query. We define the problem of retrieving a group of spatial web objects such that the group's keywords cover the query......'s keywords and such that objects are nearest to the query location and have the lowest inter-object distances. Specifically, we study two variants of this problem, both of which are NP-complete. We devise exact solutions as well as approximate solutions with provable approximation bounds to the problems. We...

High Resolution Infrared Radiation Sounder (HIRS) for the Nimbus F Spacecraft

Science.gov (United States)

Koenig, E. W.

1975-01-01

Flown on Nimbus F in June 1975, the high resolution infrared radiation sounder (HIRS) scans with a geographical resolution of 23KM and samples radiance in seventeen selected spectral channels from visible (.7 micron) to far IR (15 micron). Vertical temperature profiles and atmospheric moisture content can be inferred from the output. System operation and test results are described.

Credit shocks in the financial deregulatory era: not the usual suspects

Czech Academy of Sciences Publication Activity Database

Benk, S.; Gillman, M.; Kejak, Michal

2005-01-01

Roč. 8, č. 3 (2005), s. 668-687 ISSN 1094-2025 R&D Projects: GA ČR GA402/05/2172 Institutional research plan: CEZ:AV0Z70850503 Keywords : business cycle * credit shocks * financial deregulation Subject RIV: AH - Economics Impact factor: 0.483, year: 2005 http://dx.doi.org/10.1016/j.red.2005.01.012

An Assessment of Data from the Advanced Technology Microwave Sounder at the Met Office

Directory of Open Access Journals (Sweden)

Amy Doherty

2015-01-01

Full Text Available An appraisal of the Advanced Technology Microwave Sounder (ATMS for use in numerical weather prediction (NWP is presented, including an assessment of the data quality, the impact on Met Office global forecasts in preoperational trials, and a summary of performance over a period of 17 months operational use. After remapping, the noise performance (NEΔT of the tropospheric temperature sounding channels is evaluated to be approximately 0.1 K, comparing favourably with AMSU-A. However, the noise is not random, differences between observations and simulations based on short-range forecast fields show a spurious striping effect, due to 1/f noise in the receiver. The amplitude of this signal is several tenths of a Kelvin, potentially a concern for NWP applications. In preoperational tests, adding ATMS data to a full Met Office system already exploiting data from four microwave sounders improves southern hemisphere mean sea level pressure forecasts in the 2- to 5-day range by 1-2%. In operational use, where data from five other microwave sounders is assimilated, forecast impact is typically between −0.05 and −0.1 J/kg (3.4% of total mean impact per day over the period 1 April to 31 July 2013. This suggests benefits beyond redundancy, associated with reducing already small analysis errors.

Formation of the mechanism for credit asessment of borrowers in conditions of economic instability

Directory of Open Access Journals (Sweden)

N.G. Vygovska

2016-06-01

Full Text Available The article investigates the state of the credit portfolio of banks in the conditions of instability of the environment and the development of the credit rating of the borrower as a mechanism to prevent the direction of growth of bad debts. The research of the state and dynamics loan portfolio has revealed its sharp deterioration in recent years due to the instability of the external macro environment. The need to reduce the volume of bad debts requires the formation of an adequate mechanism for the borrower's credit rating. Under the mechanism defined in the article the subject-object interaction and providing subsystems have aimed at making management decisions about credit and credit determination capabilities of the enterprise. The authors propose the composition of such a mechanism from the position of a system approach with the subject-object allocation and providing subsystems. As a part of providing credit subsystems the article has allocated a methodological, methodical, information, personnel and organizational support. The article has formed the basic methodological principles of credit rating, namely a comprehensive assessment; the accuracy of the assessment; the progressiveness of the assessment; an objective assessment; professionalism; reality evaluation. Using the proposed credit assessment the mechanism in practice will enhance the effectiveness of the credit relationship between the bank and the borrower. Keywords: credit portfolio; mechanism; creditworthiness assessment; economic instability.

Measuring tropospheric wind with microwave sounders

Science.gov (United States)

Lambrigtsen, B.; Su, H.; Turk, J.; Hristova-Veleva, S. M.; Dang, V. T.

2017-12-01

In its 2007 "Decadal Survey" of earth science missions for NASA the U.S. National Research Council recommended that a Doppler wind lidar be developed for a three-dimensional tropospheric winds mission ("3D-Winds"). The technology required for such a mission has not yet been developed, and it is expected that the next Decadal Survey, planned to be released by the end of 2017, will put additional emphasis on the still pressing need for wind measurements from space. The first Decadal Survey also called for a geostationary microwave sounder (GMS) on a Precipitation and All-weather Temperature and Humidity (PATH) mission, which could be used to measure wind from space. Such a sounder, the Geostationary Synthetic Thinned Aperture Radiometer (GeoSTAR), has been developed at the Jet Propulsion Laboratory (JPL). The PATH mission has not yet been funded by NASA, but a low-cost subset of PATH, GeoStorm has been proposed as a hosted payload on a commercial communications satellite. Both PATH and GeoStorm would obtain frequent (every 15 minutes of better) measurements of tropospheric water vapor profiles, and they can be used to derive atmospheric motion vector (AMV) wind profiles, even in the presence of clouds. Measurement of wind is particularly important in the tropics, where the atmosphere is largely not in thermal balance and wind estimates cannot generally be derived from temperature and pressure fields. We report on simulation studies of AMV wind vectors derived from a GMS and from a cluster of low-earth-orbiting (LEO) small satellites (e.g., CubeSats). The results of two separate simulation studies are very encouraging and show that a ±2 m/s wind speed precision is attainable, which would satisfy WMO requirements. A GMS observing system in particular, which can be implemented now, would enable significant progress in the study of atmospheric dynamics. Copyright 2017 California Institute of Technology. Government sponsorship acknowledged

Microwave Atmospheric Sounder on CubeSat

Science.gov (United States)

Padmanabhan, S.; Brown, S. E.; Kangaslahti, P.; Cofield, R.; Russell, D.; Stachnik, R. A.; Su, H.; Wu, L.; Tanelli, S.; Niamsuwan, N.

2014-12-01

To accurately predict how the distribution of extreme events may change in the future we need to understand the mechanisms that influence such events in our current climate. Our current observing system is not well-suited for observing extreme events globally due to the sparse sampling and in-homogeneity of ground-based in-situ observations and the infrequent revisit time of satellite observations. Observations of weather extremes, such as extreme precipitation events, temperature extremes, tropical and extra-tropical cyclones among others, with temporal resolution on the order of minutes and spatial resolution on the order of few kms (cost passive microwave sounding and imaging sensors on CubeSats that would work in concert with traditional flagship observational systems, such as those manifested on large environmental satellites (i.e. JPSS,WSF,GCOM-W), to monitor weather extremes. A 118/183 GHz sensor would enable observations of temperature and precipitation extremes over land and ocean as well as tropical and extra-tropical cyclones. This proposed project would enable low cost, compact radiometer instrumentation at 118 and 183 GHz that would fit in a 6U Cubesat with the objective of mass-producing this design to enable a suite of small satellites to image the key geophysical parameters needed to improve prediction of extreme weather events. We take advantage of past and current technology developments at JPL viz. HAMSR (High Altitude Microwave Scanning Radiometer), Advanced Component Technology (ACT'08) to enable low-mass, low-power high frequency airborne radiometers. In this paper, we will describe the design and implementation of the 118 GHz temperature sounder and 183 GHz humidity sounder on the 6U CubeSat. In addition, a summary of radiometer calibration and retrieval techniques of temperature and humidity will be discussed. The successful demonstration of this instrument on the 6U CubeSat would pave the way for the development of a constellation which

NOAA JPSS Advanced Technology Microwave Sounder (ATMS)-based Tropical Cyclone (TC) Products from NDE

Data.gov (United States)

National Oceanic and Atmospheric Administration, Department of Commerce — The JPSS Microwave Sounder-based Tropical Cyclone (TC) Products provide estimates of tropical cyclone maximum wind speed, minimum sea level pressure, radii of 34,...

Science Study For A Low Cost Upper Atmosphere Sounder (LOCUS)

Science.gov (United States)

Gerber, D.; Swinyard, B. M.; Ellison, B. N.; Siddans, R.; Kerridge, B. J.; Plane, J. M. C.; Feng, W.

2013-12-01

We present the findings of an initial science study to define the spectral bands for the proposed Mesosphere / Lower Thermosphere (MLT) sounder LOCUS. The LOCUS mission (Fig 1) uses disruptive technologies to make key MLT species detectable globally by satellite remote sensing for the first time. This presentation summarises the technological and scientific foundation on which the current 4-band Terahertz (THz) and sub- millimetre wave (SMW) instrument configuration was conceived.

Keyword: Placement

Science.gov (United States)

Cassuto, Leonard

2012-01-01

The practical goal of graduate education is placement of graduates. But what does "placement" mean? Academics use the word without thinking much about it. "Placement" is a great keyword for the graduate-school enterprise. For one thing, its meaning certainly gives a purpose to graduate education. Furthermore, the word is a portal into the way of…

Welfare effects of housing price appreciation in an economy with binding credit constraints

Czech Academy of Sciences Publication Activity Database

Tsharakyan, Ashot

-, č. 333 (2007), s. 1-53 ISSN 1211-3298 R&D Projects: GA MŠk LC542 Institutional research plan: CEZ:AV0Z70850503 Keywords : housing price appreciation * aggregate welfare * binding credit constraints Subject RIV: AH - Economics http://www.cerge-ei.cz/pdf/wp/Wp333.pdf

Credit-proofing fundamentals for a solid credit policy

Energy Technology Data Exchange (ETDEWEB)

Lydiatt, I. [KeySpan Energy Canada, Calgary, AB (Canada)

2003-07-01

This Power Point presentation presented the basics of a credit policy with reference to corporate objectives, governance, credit definitions, subjective/objective elements, quantification of full risk, management, monitoring, reporting and gate-keeping processes. Options for a credit policy were described as being approval authority grids, confidentiality issues, credit scoring, corporate risk levels, follow-up collection calling, and procedures on unapproved exposures. Recommendations for setting risk and credit limits were also presented with a note emphasizing that in the past 6 months credit evaluation processes have had to deal with the media risk, a new risk that has not been seen before. This risk can be addressed by careful monitoring of stock prices. The paper also presented recommendations for what to look for as indicators and how to deal with risk in volatile price periods. Credit tools for volatile times were described. 1 tab.

Credit-proofing fundamentals for a solid credit policy

International Nuclear Information System (INIS)

Lydiatt, I.

2003-01-01

This Power Point presentation presented the basics of a credit policy with reference to corporate objectives, governance, credit definitions, subjective/objective elements, quantification of full risk, management, monitoring, reporting and gate-keeping processes. Options for a credit policy were described as being approval authority grids, confidentiality issues, credit scoring, corporate risk levels, follow-up collection calling, and procedures on unapproved exposures. Recommendations for setting risk and credit limits were also presented with a note emphasizing that in the past 6 months credit evaluation processes have had to deal with the media risk, a new risk that has not been seen before. This risk can be addressed by careful monitoring of stock prices. The paper also presented recommendations for what to look for as indicators and how to deal with risk in volatile price periods. Credit tools for volatile times were described. 1 tab

Combining Passive Microwave Sounders with CYGNSS information for improved retrievals: Observations during Hurricane Harvey

Science.gov (United States)

Schreier, M. M.

2017-12-01

The launch of CYGNSS (Cyclone Global Navigation Satellite System) has added an interesting component to satellite observations: it can provide wind speeds in the tropical area with a high repetition rate. Passive microwave sounders that are overpassing the same region can benefit from this information, when it comes to the retrieval of temperature or water profiles: the uncertainty about wind speeds has a strong impact on emissivity and reflectivity calculations with respect to surface temperature. This has strong influences on the uncertainty of retrieval of temperature and water content, especially under extreme weather conditions. Adding CYGNSS information to the retrieval can help to reduce errors and provide a significantly better sounder retrieval. Based on observations during Hurricane Harvey, we want to show the impact of CYGNSS data on the retrieval of passive microwave sensors. We will show examples on the impact on the retrieval from polar orbiting instruments, like the Advanced Technology Microwave Sounder (ATMS) and AMSU-A/B on NOAA-18 and 19. In addition we will also show the impact on retrievals from HAMSR (High Altitude MMIC Sounding Radiometer), which was flying on the Global Hawk during the EPOCH campaign. We will compare the results with other observations and estimate the impact of additional CYGNSS information on the microwave retrieval, especially on the impact in error and uncertainty reduction. We think, that a synergetic use of these different data sources could significantly help to produce better assimilation products for forecast assimilation.

Space Plasma Slab Studies using a new 3D Embedded Reconfigurable MPSoC Sounder

Science.gov (United States)

Dekoulis, George

2016-07-01

This paper presents recent ionospheric slab thickness measurements using a new mobile digital sounder system. The datasets obtained have been compared to the results of existing sounders in operation. The data validity has been verified. The slab thickness data allow constant monitoring of the lower ionosphere revealing the dynamic trends of the physical processes being involved. The prototype offers a tremendous amount of hardware processing power and a previously unseen response time in servicing the input and output data interfaces. This has been enabled by incorporating the latest three-dimensional Ultrascale+ technologies available commercially from the reconfigurable Field Programmable Gate Array (FPGA) computing industry. Furthermore, a previously developed Network-on-Chip (NoC) design methodology has been incorporated for connecting and controlling the application driven multiprocessor network. The system determines electron distributions, aggregate electromagnetic field gradients and plasma current density.

Effectiveness of monetary and macroprudential shocks on consumer credit growth and volatility in Turkey

Directory of Open Access Journals (Sweden)

Meltem Gulenay Chadwick

2018-06-01

Full Text Available This paper proposes a panel VAR model to uncover the effect of monetary policy and macroprudential tightening probability on general purpose loans, housing loans, vehicle loans, credit cards and their respective volatilities in Turkey. To conduct our analysis, first, we compare a number of stochastic volatility models using our loan and credit card series in a formal Bayesian model comparison exercise, in order to determine the best volatility model for our series. Second we disclose the latent probability of macroprudential tightening from the binary information of policy episodes, using an instrumental variable probit model estimated by conditional maximum likelihood with heteroscedasticity robust standard errors. Lastly we estimate the dynamic impact of monetary policy and macroprudential measures using a panel VAR, incorporating the latent probability of tightening episodes, credit growth, industrial production growth, loan rates, inflation and credit growth volatilities into the endogenous system of equations. We conclude that macroprudential tightening is effective in dampening credit growth, credit growth volatility and reducing consumer price inflation. Besides, this effect is more prominent when macroprudential tools are administered in coordination with monetary policy. Keywords: Consumer loans, Monetary policy, Macroprudential policy, Stochastic volatility models, Credit growth volatility, IV probit model, Panel VAR model, JEL classification: C54, E44, E52

Broadband infrared beam splitter for spaceborne interferometric infrared sounder.

Science.gov (United States)

Yu, Tianyan; Liu, Dingquan; Qin, Yang

2014-10-01

A broadband infrared beam splitter (BS) on ZnSe substrate used for the spaceborne interferometric infrared sounder (SIIRS) is studied in the spectral range of 4.44-15 μm. Both broadband antireflection coating and broadband beam-splitter coating in this BS are designed and tested. To optimize the optical properties and the stability of the BS, suitable infrared materials were selected, and improved deposition techniques were applied. The designed structures matched experimental data well, and the properties of the BS met the application specification of SIIRS.

Spatial Keyword Query Processing

DEFF Research Database (Denmark)

Chen, Lisi; Jensen, Christian S.; Wu, Dingming

2013-01-01

Geo-textual indices play an important role in spatial keyword query- ing. The existing geo-textual indices have not been compared sys- tematically under the same experimental framework. This makes it difficult to determine which indexing technique best supports specific functionality. We provide...... an all-around survey of 12 state- of-the-art geo-textual indices. We propose a benchmark that en- ables the comparison of the spatial keyword query performance. We also report on the findings obtained when applying the bench- mark to the indices, thus uncovering new insights that may guide index...

CO2 credit or energy credit in emission trading?

International Nuclear Information System (INIS)

Hu, E.

2002-01-01

Emission trading is a good concept and approach to tackle global warming. However, what ''currency'' or ''credit'' should be used in the trading has remained a debatable topic. This paper proposed an ''Energy Credit'' concept as an alternative to the ''CO 2 credit'' that is currently in place. From the thermodynamic point of view, the global warming problem is an ''energy balance'' problem. The energy credit concept is thought to be more thermodynamically correct and tackles the core of the global warming problem more directly. The Energy credit concept proposed can be defined as: the credit to offset the extra energy trapped/absorbed in the earth (and its atmosphere) due to the extra anthropogenic emission (or other activities) by a country or company. A couple of examples are given in the paper to demonstrate the concept of the Energy credit and its advantages over the CO 2 credit concept. (author)

Variability at Multiple Scales: Using an Array of Current- and Pressure-Sensor Equipped Inverted Echo Sounders to Measure the Ocean

Science.gov (United States)

2016-11-29

of Current- and Pressure - Sensor Equipped Inverted Echo Sounders to Measure the Ocean 5b. GRANT NUMBER NOOO 14-15-1-2857 5c. PROGRAM ELEMENT NUMBER...inverted echo sounders (lESs) equipped with pressure and current sensors (CPIESs). CPIESs are moored instruments that measure the round-trip acoustic...at a range of spatial and temporal scales. The goals of this project were to enhance the pool of pressure - sensor equipped lESs available at the

Variability at Multiple Scales: Using an Array of Current and Pressure Sensor Equipped Inverted Echo Sounders to Measure the Ocean

Science.gov (United States)

2016-11-29

of Current- and Pressure - Sensor Equipped Inverted Echo Sounders to Measure the Ocean 5b. GRANT NUMBER NOOO 14-15-1-2857 5c. PROGRAM ELEMENT NUMBER...inverted echo sounders (lESs) equipped with pressure and current sensors (CPIESs). CPIESs are moored instruments that measure the round-trip acoustic...at a range of spatial and temporal scales. The goals of this project were to enhance the pool of pressure - sensor equipped lESs available at the

Limitations of the mnemonic-keyword method.

Science.gov (United States)

Campos, Alfredo; González, María Angeles; Amor, Angeles

2003-10-01

The effectiveness of the mnemonic-keyword method was investigated in 4 experiments in which participants were required to learn the 1st-language (L1, Spanish) equivalents of a list of 30 2nd-language words (L2, Latin). Experiments 1 (adolescents) and 2 (adults) were designed to assess whether the keyword method was more effective than the rote method; the researcher supplied the keyword, and the participants were allowed to pace themselves through the list. Experiments 3 (adolescents) and 4 (adults) were similar to Experiments 1 and 2 except that the participants were also supplied with a drawing that illustrated the relationship between the keyword and the L1 target word. All the experiments were performed with groups of participants in their classrooms (i.e., not in a laboratory context). In all experiments, the rote method was significantly more effective than was the keyword method.

Cash flow vs. collateral-based credit: performance of micro, small and medium-sized firms in transition economies

Czech Academy of Sciences Publication Activity Database

Cassano, F.; Joeveer, K.; Švejnar, Jan

2013-01-01

Roč. 21, č. 2 (2013), s. 269-300 ISSN 0967-0750 Institutional support: RVO:67985998 Keywords : micro, small and medium-sized enterprises * bank credit * firm performance Subject RIV: AH - Economics Impact factor: 0.755, year: 2013

The binding credit constraints and the welfare effects of housing price appreciation

Czech Academy of Sciences Publication Activity Database

Tsharakyan, Ashot; Janíčko, M.

2010-01-01

Roč. 19, č. 4 (2010), s. 359-382 ISSN 1210-0455 R&D Projects: GA MŠk LC542 Institutional research plan: CEZ:AV0Z70850503 Keywords : aggregate welfare * binding credit constraints * demand and supply side shocks Subject RIV: AH - Economics Impact factor: 0.390, year: 2010 http://www.vse.cz/polek/download.php?jnl=pep&pdf=382.pdf

The Impact of Indonesia Sovereign Credit Rating Upgrades and Investment Grade Status on the Sovereign Spread Changes

Directory of Open Access Journals (Sweden)

Dwi Anggi Novianti

2013-01-01

Full Text Available Getting sovereign credit rating upgrades and achieving investment grade status are main goals for countries in order to gain lower yield spread and cost of borrowing. By using ordinary least square method, this research is aimed to analyze the impact of Indonesia sovereign credit rating up-grade and investment grade status on sovereign spread changes. The result shows that the sovereign credit rating upgrades within speculative grade category and investment grade status for Indonesia do not significantly impact sovereign spread reduction. On the other hand, the global condition, especially global risk appetite, has significant impact to Indonesia sovereign yield spread. The research also indicates that Indonesia macroeconomic fundamentals do not significantly explain the movement of sovereign yield spread. Keywords: Yield spread, sovereign credit rating, investment grade, Indonesia

Does the good matter? Evidence on moral hazard and adverse selection from consumer credit market

Czech Academy of Sciences Publication Activity Database

Bičáková, Alena

2007-01-01

Roč. 66, č. 1 (2007), s. 29-65 ISSN 0017-0097 Institutional research plan: CEZ:AV0Z70850503 Keywords : consumer credit * adverse selection * moral hazard Subject RIV: AH - Economics http://giornaledeglieconomisti.unibocconi.it/on-line/Home/Volumes/artCat2007.11.1.10.2.html

Evolutionary features of academic articles co-keyword network and keywords co-occurrence network: Based on two-mode affiliation network

Science.gov (United States)

Li, Huajiao; An, Haizhong; Wang, Yue; Huang, Jiachen; Gao, Xiangyun

2016-05-01

Keeping abreast of trends in the articles and rapidly grasping a body of article's key points and relationship from a holistic perspective is a new challenge in both literature research and text mining. As the important component, keywords can present the core idea of the academic article. Usually, articles on a single theme or area could share one or some same keywords, and we can analyze topological features and evolution of the articles co-keyword networks and keywords co-occurrence networks to realize the in-depth analysis of the articles. This paper seeks to integrate statistics, text mining, complex networks and visualization to analyze all of the academic articles on one given theme, complex network(s). All 5944 ;complex networks; articles that were published between 1990 and 2013 and are available on the Web of Science are extracted. Based on the two-mode affiliation network theory, a new frontier of complex networks, we constructed two different networks, one taking the articles as nodes, the co-keyword relationships as edges and the quantity of co-keywords as the weight to construct articles co-keyword network, and another taking the articles' keywords as nodes, the co-occurrence relationships as edges and the quantity of simultaneous co-occurrences as the weight to construct keyword co-occurrence network. An integrated method for analyzing the topological features and evolution of the articles co-keyword network and keywords co-occurrence networks is proposed, and we also defined a new function to measure the innovation coefficient of the articles in annual level. This paper provides a useful tool and process for successfully achieving in-depth analysis and rapid understanding of the trends and relationships of articles in a holistic perspective.

The Box Model and the Acoustic Sounder, a Case Study

DEFF Research Database (Denmark)

Jensen, Niels Otto; Lundtang Petersen, Erik

1979-01-01

Concentrations of SO2 in a large city during a subsidence situation are predicted as a function of time by means of a simple box model and the predictions are compared to actual SO2 concentration measurements. The agreement between model results and measurements is found to be excellent. The mode...... uses the height of the mixing layer as measured by means of an acoustic sounder. It is demonstrated that this height is a dominant factor in determining the variation of the SO2 concentration...

Assimilation of Feng-Yun-3B satellite microwave humidity sounder data over land

Science.gov (United States)

Chen, Keyi; Bormann, Niels; English, Stephen; Zhu, Jiang

2018-03-01

The ECMWF has been assimilating Feng-Yun-3B (FY-3B) satellite microwave humidity sounder (MWHS) data over ocean in an operational forecasting system since 24 September 2014. It is more difficult, however, to assimilate microwave observations over land and sea ice than over the open ocean due to higher uncertainties in land surface temperature, surface emissivity and less effective cloud screening. We compare approaches in which the emissivity is retrieved dynamically from MWHS channel 1 [150 GHz (vertical polarization)] with the use of an evolving emissivity atlas from 89 GHz observations from the MWHS onboard NOAA and EUMETSAT satellites. The assimilation of the additional data over land improves the fit of short-range forecasts to other observations, notably ATMS (Advanced Technology Microwave Sounder) humidity channels, and the forecast impacts are mainly neutral to slightly positive over the first five days. The forecast impacts are better in boreal summer and the Southern Hemisphere. These results suggest that the techniques tested allow for effective assimilation of MWHS/FY-3B data over land.

Comparing Conventional Bank Credit Vis A Vis Shariah Bank Musharakah: Experimental Economic Approach

Directory of Open Access Journals (Sweden)

Muhamad Abduh

2008-01-01

Full Text Available Central Bank of Indonesia with dual banking system – i.e Shariah and Conventional Bank – keep on developing system that considered as an answer to generate the national economic growth. One of the banking activities that emphasized by the Central Bank of Indonesia is fund distribution through either conventional bank credit or shariah bank fi nancing. Having the Experimental Economic Approach based on Induced Value Theory and employing ANOVA, this paper found that shariah bank musharakah fi nancing system would come up with higher profi t opportunity compare to conventional credit system. One main reason is that musharakah fi nancing in shariah bank applies profi t and lost sharing (PLS scheme so that will not be a burden to the customer when he fi nd low profi t.Keywords: Credit Loan, Musharakah Financing, Induced Value Theory, Experimental Economic Approach, Analysis of Variance (ANOVA.

Review of Research on Credit Risk Management for Rural Credit Cooperatives

Directory of Open Access Journals (Sweden)

Xin Song

2017-03-01

Full Text Available With the rapid development of rural micro-credit, whether the qagriculture, rural areas and farmersq problems have been effectively solved, whether the credit risk has been effectively controlled, these have become the focus of our attention to the rural economic environment. The main content of this paper contains four aspects: the classification and characteristics of credit risk, the problems and factors of credit risk, the model and evaluation of credit risk, the countermeasures and suggestions of credit risk. This paper reviews the research of credit risk management for rural credit cooperatives from the above four aspects, and makes a brief summary.

ESIP Documentation Cluster Session: GCMD Keyword Update

Science.gov (United States)

Stevens, Tyler

2018-01-01

The Global Change Master Directory (GCMD) Keywords are a hierarchical set of controlled Earth Science vocabularies that help ensure Earth science data and services are described in a consistent and comprehensive manner and allow for the precise searching of collection-level metadata and subsequent retrieval of data and services. Initiated over twenty years ago, the GCMD Keywords are periodically analyzed for relevancy and will continue to be refined and expanded in response to user needs. This talk explores the current status of the GCMD keywords, the value and usage that the keywords bring to different tools/agencies as it relates to data discovery, and how the keywords relate to SWEET (Semantic Web for Earth and Environmental Terminology) Ontologies.

Credit concession through credit scoring: Analysis and application proposal

Directory of Open Access Journals (Sweden)

Oriol Amat

2017-01-01

Full Text Available Purpose: The study herein develops and tests a credit scoring model which can help financial institutions in assessing credit requests.  Design/methodology/approach: The empirical study has the objective of answering two questions: (1 Which ratios better discriminate the companies based on their being solvent or insolvent? and (2 What is the relative importance of these ratios? To do this, several statistical techniques with a multifactorial focus have been used (Multivariate Analysis of Variance, Linear Discriminant Analysis, Logit and Probit Models. Several samples of companies have been used in order to obtain and to test the model.  Findings: Through the application of several statistical techniques, the credit scoring model has been proved to be effective in discriminating between good and bad creditors.  Research limitations:  This study focuses on manufacturing, commercial and services companies of all sizes in Spain; Therefore, the conclusions may differ for other geographical locations. Practical implications:  Because credit is one of the main drivers of growth, a solid credit scoring model can help financial institutions assessing to whom to grant credit and to whom not to grant credit. Social implications: Because of the growing importance of credit for our society and the fear of granting it due to the latest financial turmoil, a solid credit scoring model can strengthen the trust toward the financial institutions assessment’s.  Originality/value: There is already a stream of literature related to credit scoring. However, this paper focuses on Spanish firms and proves the results of our model based on real data. The application of the model to detect the probability of default in loans is original.

Public-key Encryption with Registered Keyword Search

NARCIS (Netherlands)

Tang, Qiang; Chen, Liqun

Public-key Encryption with Keyword Search (PEKS) enables a server to test whether a tag from a sender and a trapdoor from a receiver contain the same keyword. In this paper, we highlight some potential security concern, i.e. a curious server is able to answer whether any selected keyword is

Rapid automatic keyword extraction for information retrieval and analysis

Science.gov (United States)

Rose, Stuart J [Richland, WA; Cowley,; E, Wendy [Richland, WA; Crow, Vernon L [Richland, WA; Cramer, Nicholas O [Richland, WA

2012-03-06

Methods and systems for rapid automatic keyword extraction for information retrieval and analysis. Embodiments can include parsing words in an individual document by delimiters, stop words, or both in order to identify candidate keywords. Word scores for each word within the candidate keywords are then calculated based on a function of co-occurrence degree, co-occurrence frequency, or both. Based on a function of the word scores for words within the candidate keyword, a keyword score is calculated for each of the candidate keywords. A portion of the candidate keywords are then extracted as keywords based, at least in part, on the candidate keywords having the highest keyword scores.

Credit Monitoring – a Core of Credit Risk Management: Theory and Experience

Directory of Open Access Journals (Sweden)

Daiva Jurevičienė

2013-11-01

Full Text Available Purpose of the article: Purpose of the article is to identify credit monitoring as a keystone of credit risk management in banks. CRM is widely discussed in scientific literature and in reports of institutions undertaking credit risk or supervisory bodies. However majority of such investigations are based on implementation of numerous quantitative or qualitative methods used for credit risk assessment before granting a loan or for credit portfolio risk management. There is a lack of information or investigations made on estimation of the need of credit monitoring in credit risk management process. Scientific aim: Scientific aim is to structure the early warning signs that reflect the condition of credits. Methodology/methods: The paper is based on analysis and resumption of various scientific and professional articles related to organization of credit process in banks. It combines results of assessments of credit monitoring importance in credit risk management process made by theoretical studies as well as investigation of experts. Findings: Finding of the article is presentation of credit monitoring tools that should be applied for corporate (and individual clients via modification of original credit agreement. Conclusions: (limits, implications etc Conclusion of the article is that credit monitoring is a keystone in credit risk management process. The purpose of credit monitoring is to detect in time possible worsening of the loan and to react (make changes in loan agreement. The simplest tool for credit monitoring is to identify early warning signs in time that could be assorted into four groups: EWS of business environment; EWS with regard to management, EWS regarding collateral, EWS in financial analysis. Limitation of investigation is impossibility of evaluation of importance of monitoring process in practice except investigation of experts (employees directly responsible for credit business.

Spatial Keyword Querying

DEFF Research Database (Denmark)

Cao, Xin; Chen, Lisi; Cong, Gao

2012-01-01

The web is increasingly being used by mobile users. In addition, it is increasingly becoming possible to accurately geo-position mobile users and web content. This development gives prominence to spatial web data management. Specifically, a spatial keyword query takes a user location and user-sup...... different kinds of functionality as well as the ideas underlying their definition....

NCA & Credit Guarantees

African Journals Online (AJOL)

stooppn

purposes of the National Credit Act; what the definition of a credit guarantee set out ...... Scholtz et al National Credit Act in para 8.2.4; Scott et al Law of Commerce ..... Eitelberg E "Autonomy of Documentary Credit Undertakings in South African.

TX-Kw: An Effective Temporal XML Keyword Search

OpenAIRE

Rasha Bin-Thalab; Neamat El-Tazi; Mohamed E.El-Sharkawi

2013-01-01

Inspired by the great success of information retrieval (IR) style keyword search on the web, keyword search on XML has emerged recently. Existing methods cannot resolve challenges addressed by using keyword search in Temporal XML documents. We propose a way to evaluate temporal keyword search queries over Temporal XML documents. Moreover, we propose a new ranking method based on the time-aware IR ranking methods to rank temporal keyword search queries results. Extensive experiments have been ...

SPARK: Adapting Keyword Query to Semantic Search

Science.gov (United States)

Zhou, Qi; Wang, Chong; Xiong, Miao; Wang, Haofen; Yu, Yong

Semantic search promises to provide more accurate result than present-day keyword search. However, progress with semantic search has been delayed due to the complexity of its query languages. In this paper, we explore a novel approach of adapting keywords to querying the semantic web: the approach automatically translates keyword queries into formal logic queries so that end users can use familiar keywords to perform semantic search. A prototype system named 'SPARK' has been implemented in light of this approach. Given a keyword query, SPARK outputs a ranked list of SPARQL queries as the translation result. The translation in SPARK consists of three major steps: term mapping, query graph construction and query ranking. Specifically, a probabilistic query ranking model is proposed to select the most likely SPARQL query. In the experiment, SPARK achieved an encouraging translation result.

Formal and Informal Credit Markets and Rural Credit Demand in China

OpenAIRE

Tang, Sai; Guan, Zhengfei; Jin, Songqing

2010-01-01

Credit markets are an essential economic institution. In developing countries, particularly in countries undergoing rapid social and economic transition, it is important to identify emerging credit demand and institute credit supply in a timely manner to facilitate economic transformation. This research focuses on the evolving rural credit market in China, where borrowing from the social network has been common but the recent economic transition has made this informal credit market inadequate...

UARS Improved Stratospheric and Mesospheric Sounder (ISAMS) Level 3AL V010 (UARIS3AL) at GES DISC

Data.gov (United States)

National Aeronautics and Space Administration — The Improved Stratospheric and Mesospheric Sounder (ISAMS) Level 3AL data product consists of daily, 4 degree increment latitude-ordered vertical profiles of...

Using multi-beam echo sounder backscatter data for sediment classification in very shallow water environments

NARCIS (Netherlands)

Amiri-Simkooei, A.R.; Snellen, M.; Simons, D.G.

2009-01-01

In a recent work described in Ref. [1], an angle-independent methodology was developed to use the multi-beam echo sounder backscatter (MBES) data for the seabed sediment classification. The method employs the backscatter data at a certain angle to obtain the number of sediment classes and to

The microwave limb sounder for the Upper Atmosphere Research Satellite

Science.gov (United States)

Waters, J. W.; Peckham, G. E.; Suttie, R. A.; Curtis, P. D.; Maddison, B. J.; Harwood, R. S.

1988-01-01

The Microwave Limb Sounder was designed to map the concentrations of trace gases from the stratosphere to the lower thermosphere, to improve understanding of the photochemical reactions which take place in this part of the atmosphere. The instrument will measure the intensity of thermal radiation from molecules in the atmosphere at frequencies corresponding to rotational absorption bands of chlorine monoxide, ozone, and water vapor. Molecular concentration profiles will be determined over a height range of 15 to 80 km (20 to 45 km for C10). The 57 deg inclination orbit proposed for the Upper Atmosphere Research Satellite will allow global coverage.

Refundable Tax Credits

OpenAIRE

Congressional Budget Office

2013-01-01

In 1975, the first refundable tax credit—the earned income tax credit (EITC)—took effect. Since then, the number and cost of refundable tax credits—credits that can result in net payments from the government—have grown considerably. Those credits will cost $149 billion in 2013, CBO estimates, mostly for the EITC and the child tax credit.

UARS Improved Stratospheric and Mesospheric Sounder (ISAMS) Level 3AT V010 (UARIS3AT) at GES DISC

Data.gov (United States)

National Aeronautics and Space Administration — The Improved Stratospheric and Mesospheric Sounder (ISAMS) Level 3AT data product consists of daily, 65.536 second interval time-ordered vertical profiles of...

Cash flow vs. collateral-based credit: performance of micro, small and medium-sized firms in transition economies

Czech Academy of Sciences Publication Activity Database

Cassano, F.; Joeveer, K.; Švejnar, Jan

2013-01-01

Roč. 21, č. 2 (2013), s. 269-300 ISSN 0967-0750 R&D Projects: GA ČR GAP402/10/2130 Institutional support: PRVOUK-P23 Keywords : micro, small and medium-sized enterprises * bank credit * firm performance Subject RIV: AH - Economics Impact factor: 0.755, year: 2013

75 FR 17976 - WNC Tax Credits 38, LLC, WNC Tax Credits 39, LLC, WNC Housing Tax Credits Manager, LLC and WNC...

Science.gov (United States)

2010-04-08

... Credits 38, LLC, WNC Tax Credits 39, LLC, WNC Housing Tax Credits Manager, LLC and WNC & Associates, Inc... collectively, the ``Funds''), WNC Housing Tax Credits Manager, LLC (the ``Manager'') and WNC & Associates, Inc... credit under the Internal Revenue Code of 1986, as amended. The Manager is a California limited liability...

Introduction of Credit Derivatives and Valuation of Credit Default Swap

OpenAIRE

Han, Lu

2006-01-01

The credit derivative market was established at the beginning of the 1990s since the emergence of credit derivatives fits the rapid development of the whole derivatives market. However, compare to other derivative market, this market is still small and incomplete. As with other derivatives, credit derivatives can be used to either take more risk or hedge it, hence various credit derivatives instruments are accepted and widely used by market participants such as banks, insurance companies, etc...

Attribute-based proxy re-encryption with keyword search.

Science.gov (United States)

Shi, Yanfeng; Liu, Jiqiang; Han, Zhen; Zheng, Qingji; Zhang, Rui; Qiu, Shuo

2014-01-01

Keyword search on encrypted data allows one to issue the search token and conduct search operations on encrypted data while still preserving keyword privacy. In the present paper, we consider the keyword search problem further and introduce a novel notion called attribute-based proxy re-encryption with keyword search (ABRKS), which introduces a promising feature: In addition to supporting keyword search on encrypted data, it enables data owners to delegate the keyword search capability to some other data users complying with the specific access control policy. To be specific, ABRKS allows (i) the data owner to outsource his encrypted data to the cloud and then ask the cloud to conduct keyword search on outsourced encrypted data with the given search token, and (ii) the data owner to delegate other data users keyword search capability in the fine-grained access control manner through allowing the cloud to re-encrypted stored encrypted data with a re-encrypted data (embedding with some form of access control policy). We formalize the syntax and security definitions for ABRKS, and propose two concrete constructions for ABRKS: key-policy ABRKS and ciphertext-policy ABRKS. In the nutshell, our constructions can be treated as the integration of technologies in the fields of attribute-based cryptography and proxy re-encryption cryptography.

Attribute-Based Proxy Re-Encryption with Keyword Search

Science.gov (United States)

Shi, Yanfeng; Liu, Jiqiang; Han, Zhen; Zheng, Qingji; Zhang, Rui; Qiu, Shuo

2014-01-01

Keyword search on encrypted data allows one to issue the search token and conduct search operations on encrypted data while still preserving keyword privacy. In the present paper, we consider the keyword search problem further and introduce a novel notion called attribute-based proxy re-encryption with keyword search (), which introduces a promising feature: In addition to supporting keyword search on encrypted data, it enables data owners to delegate the keyword search capability to some other data users complying with the specific access control policy. To be specific, allows (i) the data owner to outsource his encrypted data to the cloud and then ask the cloud to conduct keyword search on outsourced encrypted data with the given search token, and (ii) the data owner to delegate other data users keyword search capability in the fine-grained access control manner through allowing the cloud to re-encrypted stored encrypted data with a re-encrypted data (embedding with some form of access control policy). We formalize the syntax and security definitions for , and propose two concrete constructions for : key-policy and ciphertext-policy . In the nutshell, our constructions can be treated as the integration of technologies in the fields of attribute-based cryptography and proxy re-encryption cryptography. PMID:25549257

Applications and Lessons Learned using Data from the Atmospheric Infrared Sounder

Science.gov (United States)

Ray, S. E.; Fetzer, E. J.; Olsen, E. T.; Lambrigtsen, B.; Pagano, T. S.; Teixeira, J.; Licata, S. J.; Hall, J. R.

2016-12-01

Applications and Lessons Learned using Data from the Atmospheric Infrared SounderSharon Ray, Jet Propulsion Laboratory, California Institute of Technology The Atmospheric Infrared Sounder (AIRS) on NASA's Aqua spacecraft has been returning daily global observations of Earth's atmospheric constituents and properties since 2002. With a 12-year data record and daily, global observations in near real-time, AIRS can play a role in applications that fall under many of the NASA Applied Sciences focus areas. AIRS' involvement in applications is two years in, so what have we learned and what are the pitfalls? AIRS has made gains in drought applications with products under consideration for inclusion in the U.S. Drought Monitor national map, as also with volcano rapid response with an internal alert system and automated products to help characterize plume extent. Efforts are underway with cold air aloft for aviation, influenza outbreak prediction, and vector borne disease. But challenges have occurred both in validation and in crossing the "valley of death" between products and decision makers. AIRS now has improved maps of standard products to be distributed in near real-time via NASA LANCE and by the Goddard DAAC as part of the Obama's administration Big Earth Data Initiative. In addition internal tools have been developed to support development and distribution of our application products. This talk will communicate the status of the AIRS applications effort along with lessons learned, and provide examples of new product imagery designed to best communicate AIRS data.

Credit securitization and credit derivatives: Financial instruments and the credit risk management of middle market commercial loan portfolios

OpenAIRE

Henke, Sabine; Burghof, Hans-Peter; Rudolph, Bernd

1998-01-01

Banks increasingly recognize the need to measure and manage the credit risk of their loans on a portfolio basis. We address the subportfolio "middle market". Due to their specific lending policy for this market segment it is an important task for banks to systematically identify regional and industrial credit concentrations and reduce the detected concentrations through diversification. In recent years, the development of markets for credit securitization and credit derivatives has provided n...

Modernization of credit relations

Directory of Open Access Journals (Sweden)

S.V. Volosovich

2015-03-01

Full Text Available Nowadays it is essential to modernize credit relations in the conditions of global economy transformations. This is due to the influence of integration processes on credit relations and transformation of the risks inherent in the credit field. The purpose of this article is to develop measures that help to improve the efficiency of interaction of credit relations’ participants. Modernization of credit relations is based on the interaction of its main and indirect subjects who belong to the subsystems of loans granting, deposits attraction and provision of related services. Its goal is to pass from extensive to intensive model of interaction between the subjects of credit relations. Components of the credit relations modernization are the following: institutional modernization, which is based on the interaction of credit relations’ subjects, and ensures the development of competition in all credit market’s segments, the creation of its corresponding infrastructure, qualitative change in the approaches of regulation and supervision; technological modernization, which involves the formation of joint products on the credit market and the formation of an integrated informational and analytical system. In the result of the credit relations’ modernization it is expected to achieve synergies between the subjects of credit relations, that will lead to changes in the business architecture of the financial market.

Patent Keyword Extraction for Sustainable Technology Management

Directory of Open Access Journals (Sweden)

Jongchan Kim

2018-04-01

Full Text Available Recently, sustainable growth and development has become an important issue for governments and corporations. However, maintaining sustainable development is very difficult. These difficulties can be attributed to sociocultural and political backgrounds that change over time [1]. Because of these changes, the technologies for sustainability also change, so governments and companies attempt to predict and manage technology using patent analyses, but it is very difficult to predict the rapidly changing technology markets. The best way to achieve insight into technology management in this rapidly changing market is to build a technology management direction and strategy that is flexible and adaptable to the volatile market environment through continuous monitoring and analysis. Quantitative patent analysis using text mining is an effective method for sustainable technology management. There have been many studies that have used text mining and word-based patent analyses to extract keywords and remove noise words. Because the extracted keywords are considered to have a significant effect on the further analysis, researchers need to carefully check out whether they are valid or not. However, most prior studies assume that the extracted keywords are appropriate, without evaluating their validity. Therefore, the criteria used to extract keywords needs to change. Until now, these criteria have focused on how well a patent can be classified according to its technical characteristics in the collected patent data set, typically using term frequency–inverse document frequency weights that are calculated by comparing the words in patents. However, this is not suitable when analyzing a single patent. Therefore, we need keyword selection criteria and an extraction method capable of representing the technical characteristics of a single patent without comparing them with other patents. In this study, we proposed a methodology to extract valid keywords from

The JPSS CrIS Instrument and the Evolution of Space-Based Infrared Sounders

Science.gov (United States)

Glumb, Ronald; Suwinski, Lawrence; Wells, Steven; Glumb, Anna; Malloy, Rebecca; Colton, Marie

2018-01-01

This paper will summarize the development of infrared sounders since the 1970s, describe the technological hurdles that were overcome to provide ever-increasing performance capabilities, and highlight the radiometric performance of the CrIS instrument on JPSS-1 (CrIS-JPSS1). This includes details of the CrIS-JPSS1 measured noise-equivalent spectral radiance (NEdN) performance, radiometric uncertainty performance utilizing a new and improved internal calibration target, short-term and long-term repeatability, spectral uncertainty, and spectral stability. In addition, the full-resolution operating modes for CrIS-JPSS1 will be reviewed, including a discussion of how these modes will be used during on-orbit characterization tests. We will provide a brief update of CrIS-SNPP on-obit performance and the production status of the CrIS instruments for JPSS-2 through JPSS-4. Current technological challenges will also be reviewed, including how ongoing research and development is enabling improvements to future sounders. The expanding usage of infrared sounding data will also be discussed, including demonstration of value via data assimilation, the roles of the public/private sector in communicating the importance of sounding data for long-term observations, and the long road to success from research to operational data products.

Credit Card Security

OpenAIRE

G.C., Anup

2013-01-01

Author: Anup G.C. Year: 2013 Subject of thesis: Credit Card Security Number of pages: 36+2 Credit Card is a widely used electronic chip for easy transactions. The main purpose of the report was to show the security measures of transaction by credit cards. The purpose was to give information about credit cards and how they were introduced. The thesis reportcontained the types of card theft with examples and sited the various protocols used for online ...

A keyword history of Marketing Science

OpenAIRE

Mela, Carl; Roos, Jason; Deng, Yanhui

2013-01-01

textabstractThis paper considers the history of keywords used in Marketing Science to develop insights on the evolution of marketing science. Several findings emerge. First, "pricing" and "game theory" are the most ubiquitous words. More generally, the three C's and four P's predominate, suggesting that keywords and common practical frameworks align. Various trends exist. Some words, like "pricing," remain popular over time. Others, like "game theory" and "hierarchical Bayes," have become mor...

76 FR 40946 - WNC Tax Credits 40, LLC, WNC Tax Credits 41, LLC, WNC Housing Tax Credits Manager 2, LLC, WNC...

Science.gov (United States)

2011-07-12

... Credits 40, LLC, WNC Tax Credits 41, LLC, WNC Housing Tax Credits Manager 2, LLC, WNC National Partners... (``Fund 41'') (each a ``Fund,'' and collectively, the ``Funds''), WNC Housing Tax Credits Manager 2, LLC (the ``Manager''), WNC National Partners, LLC (``WNC National Partners'') and WNC & Associates, Inc...

Joint replenishment and credit policies under two levels of trade credit financing when demand and bad-debt loss depends upon credit period

Directory of Open Access Journals (Sweden)

Aggarawal K.K.

2016-01-01

Full Text Available In practice, a firm usually receives trade credit financing from its supplier on the purchase of inventory. Similarly, in order to meet competition and generate credit sales over and above cash sales, the firm also gives credit period to their customers. However, the decision of granting credit period may have a disintegrating effect on cash sales apart from generating new credit sales because some of the cash customers may switch to credit purchase. In addition, despite of the best credit granting policies and collection practices, the firm may incurs some amount of bad debt losses because a certain fraction of buyers will undoubtedly be unable to pay off their debt obligations and become bad debt loss to the firm. In this paper, using discounted cash flow (DCF approach, a mathematical model is developed to jointly determine optimal inventory and credit policies under two levels of trade credit financing when demand and bad-debt losses are dependent on credit period. The objective of the model is to maximize the present value of firm’s net profit per unit time by jointly optimizing the replenishment interval and date-terms credit period. Numerical examples and sensitivity analysis are presented to illustrate the effectiveness of the proposed model, and the results are discussed.

Satellite Sounder Observations of Contrasting Tropospheric Moisture Transport Regimes: Saharan Air Layers, Hadley Cells, and Atmospheric Rivers

Energy Technology Data Exchange (ETDEWEB)

Nalli, Nicholas R.; Barnet, Christopher D.; Reale, Tony; Liu, Quanhua; Morris, Vernon R.; Spackman, J. Ryan; Joseph, Everette; Tan, Changyi; Sun, Bomin; Tilley, Frank; Leung, L. Ruby; Wolfe, Daniel

2016-12-01

This paper examines the performance of satellite sounder atmospheric vertical moisture proles (AVMP) under tropospheric conditions encompassing moisture contrasts driven by convection and advection transport mechanisms, specifically Atlantic Ocean Saharan air layers (SALs) and Pacific Ocean moisture conveyer belts (MCBs) commonly referred to as atmospheric rivers (ARs), both of these being mesoscale to synoptic meteorological phenomena within the vicinity of subtropical Hadley subsidence zones. Operational AVMP environmental data records retrieved from the Suomi National Polar-orbiting Partnership (SNPP) NOAA-Unique Combined Atmospheric Processing System (NUCAPS) are collocated with dedicated radiosonde observations (RAOBs) obtained from ocean-based intensive field campaigns; these RAOBs provide uniquely independent correlative truth data not assimilated into numerical weather prediction models for satellite sounder validation over open ocean. Using these marine-based data, we empirically assess the performance of the operational NUCAPS AVMP product for detecting and resolving these tropospheric moisture features over otherwise RAOB-sparse regions.

Interpreting Observations of Large-Scale Traveling Ionospheric Disturbances by Ionospheric Sounders

Science.gov (United States)

Pederick, L. H.; Cervera, M. A.; Harris, T. J.

2017-12-01

From July to October 2015, the Australian Defence Science and Technology Group conducted an experiment during which a vertical incidence sounder (VIS) was set up at Alice Springs Airport. During September 2015 this VIS observed the passage of many large-scale traveling ionospheric disturbances (TIDs). By plotting the measured virtual heights across multiple frequencies as a function of time, the passage of the TID can be clearly displayed. Using this plotting method, we show that all the TIDs observed during the campaign by the VIS at Alice Springs show an apparent downward phase progression of the crests and troughs. The passage of the TID can be more clearly interpreted by plotting the true height of iso-ionic contours across multiple plasma frequencies; the true heights can be obtained by inverting each ionogram to obtain an electron density profile. These plots can be used to measure the vertical phase speed of a TID and also reveal a time lag between events seen in true height compared to virtual height. To the best of our knowledge, this style of analysis has not previously been applied to other swept-frequency sounder observations. We develop a simple model to investigate the effect of the passage of a large-scale TID on a VIS. The model confirms that for a TID with a downward vertical phase progression, the crests and troughs will appear earlier in virtual height than in true height and will have a smaller apparent speed in true height than in virtual height.

Rural Credit in Vietnam

DEFF Research Database (Denmark)

Barslund, Mikkel Christoffer; Tarp, Finn

This paper uses a survey of 932 rural households to uncover how the rural credit market operates in four provinces of Vietnam. Households obtain credit through formal and informal lenders, but formal loans are almost entirely for production and asset accumulation. Interest rates fell from 1997...... to 2002, reflecting increased market integration; but the determinants of formal and informal credit demand are distinct. Credit rationing depends on education and credit history, but we find no evidence of a bias against women. Regional differences are striking, and a ‘one size fits all’ approach...... to credit policy is clearly inappropriate....

Credit Participation and Credit Source Selection of Vietnam Small and Medium Enterprises

Directory of Open Access Journals (Sweden)

Nguyen Anh Hoang

2014-10-01

Full Text Available This study is an attempt to investigate the motivation behind the decision to participate in the credit market of SMEs from perspectives of behavioral finance and social capital theories. In addi- tion, the study also examines the effect of behavioral finance and social capital factors on the credit source selection among SMEs. This study’s design strategy involves conducting questionnaire sur- veys to SMEs owners and statistical techniques to analyze the determinants of credit participation and credit source selection of borrowers. The findings showed that personal traits of SMEs owners/ managers in terms of behavioral finance factors such as debt and risk attitudes, present biased and overconfidence and firms networking also have impacts on the firms’ credit participation and credit source selection. The research is one of the few studies that consider the influence of behavioral finance factors on firms financing decision. Furthermore, our result also contributes to explain the common use of informal credit market in developing countries.

Credit Risk Research

DEFF Research Database (Denmark)

Zamore, Stephen; Ohene Djan, Kwame; Alon, Ilan

2018-01-01

This article provides a comprehensive review of scholarly research on credit risk measurement during the last 57 years applying bibliometric citation analysis and elaborates an agenda for future research. The bibliography is compiled using the Institute for Scientific Information (ISI) Web...... of Science (WOS) database and includes all articles with citations over the period 1960–2016. Specifically, the review is carried out using 1695 articles across 72 countries published in 442 journals by 2928 authors. The findings suggest that credit risk research is multifaceted and can be classified...... into six streams: (1) defaultable security pricing, (2) default intensity modeling, (3) comparative analysis of credit models, (4) comparative analysis of credit markets, (5) credit default swap (CDS) pricing, and (6) loan loss provisions. The article contributes through synthesizing and identifying...

Video segmentation using keywords

Science.gov (United States)

Ton-That, Vinh; Vong, Chi-Tai; Nguyen-Dao, Xuan-Truong; Tran, Minh-Triet

2018-04-01

At DAVIS-2016 Challenge, many state-of-art video segmentation methods achieve potential results, but they still much depend on annotated frames to distinguish between background and foreground. It takes a lot of time and efforts to create these frames exactly. In this paper, we introduce a method to segment objects from video based on keywords given by user. First, we use a real-time object detection system - YOLOv2 to identify regions containing objects that have labels match with the given keywords in the first frame. Then, for each region identified from the previous step, we use Pyramid Scene Parsing Network to assign each pixel as foreground or background. These frames can be used as input frames for Object Flow algorithm to perform segmentation on entire video. We conduct experiments on a subset of DAVIS-2016 dataset in half the size of its original size, which shows that our method can handle many popular classes in PASCAL VOC 2012 dataset with acceptable accuracy, about 75.03%. We suggest widely testing by combining other methods to improve this result in the future.

Noise performance of microwave humidity sounders over their lifetime

Science.gov (United States)

Hans, Imke; Burgdorf, Martin; John, Viju O.; Mittaz, Jonathan; Buehler, Stefan A.

2017-12-01

The microwave humidity sounders Special Sensor Microwave Water Vapor Profiler (SSMT-2), Advanced Microwave Sounding Unit-B (AMSU-B) and Microwave Humidity Sounder (MHS) to date have been providing data records for 25 years. So far, the data records lack uncertainty information essential for constructing consistent long time data series. In this study, we assess the quality of the recorded data with respect to the uncertainty caused by noise. We calculate the noise on the raw calibration counts from the deep space views (DSVs) of the instrument and the noise equivalent differential temperature (NEΔT) as a measure for the radiometer sensitivity. For this purpose, we use the Allan deviation that is not biased from an underlying varying mean of the data and that has been suggested only recently for application in atmospheric remote sensing. Moreover, we use the bias function related to the Allan deviation to infer the underlying spectrum of the noise. As examples, we investigate the noise spectrum in flight for some instruments. For the assessment of the noise evolution in time, we provide a descriptive and graphical overview of the calculated NEΔT over the life span of each instrument and channel. This overview can serve as an easily accessible information for users interested in the noise performance of a specific instrument, channel and time. Within the time evolution of the noise, we identify periods of instrumental degradation, which manifest themselves in an increasing NEΔT, and periods of erratic behaviour, which show sudden increases of NEΔT interrupting the overall smooth evolution of the noise. From this assessment and subsequent exclusion of the aforementioned periods, we present a chart showing available data records with NEΔT processing to provide input values for the uncertainty propagation in the generation of a new set of Fundamental Climate Data Records (FCDRs) that are currently produced in the project Fidelity and Uncertainty in Climate data

[Efficacy of the keyword mnemonic method in adults].

Science.gov (United States)

Campos, Alfredo; Pérez-Fabello, María José; Camino, Estefanía

2010-11-01

Two experiments were used to assess the efficacy of the keyword mnemonic method in adults. In Experiment 1, immediate and delayed recall (at a one-day interval) were assessed by comparing the results obtained by a group of adults using the keyword mnemonic method in contrast to a group using the repetition method. The mean age of the sample under study was 59.35 years. Subjects were required to learn a list of 16 words translated from Latin into Spanish. Participants who used keyword mnemonics that had been devised by other experimental participants of the same characteristics, obtained significantly higher immediate and delayed recall scores than participants in the repetition method. In Experiment 2, other participants had to learn a list of 24 Latin words translated into Spanish by using the keyword mnemonic method reinforced with pictures. Immediate and delayed recall were significantly greater in the keyword mnemonic method group than in the repetition method group.

Credit: A Teaching Unit.

Science.gov (United States)

Clanton, Brandolyn; And Others

Intended for teachers of secondary school students, five lessons on consumer credit are presented. In the first lesson students identify and evaluate sources of credit, compare some of the costs and benefits of credit, and learn to apply criteria used in evaluating applications for credit. In the second lesson, students learn about two basic types…

Experiences in automatic keywording of particle physics literature

CERN Document Server

Montejo Ráez, Arturo

2001-01-01

Attributing keywords can assist in the classification and retrieval of documents in the particle physics literature. As information services face a future with less available manpower and more and more documents being written, the possibility of keyword attribution being assisted by automatic classification software is explored. A project being carried out at CERN (the European Laboratory for Particle Physics) for the development and integration of automatic keywording is described.

Joint Top-K Spatial Keyword Query Processing

DEFF Research Database (Denmark)

Wu, Dingming; Yiu, Man Lung; Cong, Gao

2012-01-01

Web users and content are increasingly being geopositioned, and increased focus is being given to serving local content in response to web queries. This development calls for spatial keyword queries that take into account both the locations and textual descriptions of content. We study the effici......Web users and content are increasingly being geopositioned, and increased focus is being given to serving local content in response to web queries. This development calls for spatial keyword queries that take into account both the locations and textual descriptions of content. We study...... the efficient, joint processing of multiple top-k spatial keyword queries. Such joint processing is attractive during high query loads and also occurs when multiple queries are used to obfuscate a user's true query. We propose a novel algorithm and index structure for the joint processing of top-k spatial...... keyword queries. Empirical studies show that the proposed solution is efficient on real data sets. We also offer analytical studies on synthetic data sets to demonstrate the efficiency of the proposed solution. Index Terms IEEE Terms Electronic mail , Google , Indexes , Joints , Mobile communication...

Counter electrojet features in the Brazilian sector: simultaneous observation by radar, digital sounder and magnetometers

Directory of Open Access Journals (Sweden)

C. M. Denardini

2009-04-01

Full Text Available In the present work we show new results regarding equatorial counter electrojet (CEJ events in the Brazilian sector, based on the RESCO radar, two set of fluxgate magnetometer systems and a digital sounder. RESCO radar is a 50 MHz backscatter coherent radar installed in 1998 at São Luís (SLZ, 2.33° S, 44.60° W, an equatorial site. The Digital sounder routinely monitors the electron density profile at the radar site. The magnetometer systems are fluxgate-type installed at SLZ and Eusébio (EUS, 03.89° S, 38.44° W. From the difference between the horizontal component of magnetic field at SLZ station and the same component at EUS (EEJ ground strength several cases of westward morning electrojet and its normal inversion to the eastward equatorial electrojet (EEJ have been observed. Also, the EEJ ground strength has shown some cases of CEJ events, which been detected with the RESCO radar too. Detection of these events were investigated with respect to their time and height of occurrence, correlation with sporadic E (Es layers at the same time, and their spectral characteristics as well as the radar echo power intensity.

The impact of credit risk assessment on credit activity of commercial banks

Directory of Open Access Journals (Sweden)

Ljubić Marijana

2015-01-01

Full Text Available As banks have great social responsibility and are a subject to a specific and extensive regulations, one of the being Basel, the authors of this paper focus on the impact of credit risk assessment on credit activity of commercial banks. The authors of this paper provide a standard for risk management and an insight into directions on how to manage credit risk in the most efficient way and how to assess credit rating of a borrower.

Application of keyword extraction on MOOC resources

Directory of Open Access Journals (Sweden)

Zhuoxuan Jiang

2017-03-01

Full Text Available Purpose – Recent years have witnessed the rapid development of massive open online courses (MOOCs. With more and more courses being produced by instructors and being participated by learners all over the world, unprecedented massive educational resources are aggregated. The educational resources include videos, subtitles, lecture notes, quizzes, etc., on the teaching side, and forum contents, Wiki, log of learning behavior, log of homework, etc., on the learning side. However, the data are both unstructured and diverse. To facilitate knowledge management and mining on MOOCs, extracting keywords from the resources is important. This paper aims to adapt the state-of-the-art techniques to MOOC settings and evaluate the effectiveness on real data. In terms of practice, this paper also tries to answer the questions for the first time that to what extend can the MOOC resources support keyword extraction models, and how many human efforts are required to make the models work well. Design/methodology/approach – Based on which side generates the data, i.e instructors or learners, the data are classified to teaching resources and learning resources, respectively. The approach used on teaching resources is based on machine learning models with labels, while the approach used on learning resources is based on graph model without labels. Findings – From the teaching resources, the methods used by the authors can accurately extract keywords with only 10 per cent labeled data. The authors find a characteristic of the data that the resources of various forms, e.g. subtitles and PPTs, should be separately considered because they have the different model ability. From the learning resources, the keywords extracted from MOOC forums are not as domain-specific as those extracted from teaching resources, but they can reflect the topics which are lively discussed in forums. Then instructors can get feedback from the indication. The authors implement two

Credit derivatives in emerging markets

OpenAIRE

Romain Rancière

2002-01-01

Credit Derivatives are securities that offer protection against credit or default risk of bonds or loans. The credit derivatives emerging market has grown rapidly and credit derivatives are widely used. This paper describes the emerging credit derivatives market structure. The current market activity is analyzed through elementary pricing dynamics and the study of the term structure of default risk. Focusing on the performance of credit derivatives in stress situation, including legal and mar...

Effectiveness of author-assigned keywords to INIS indexing

International Nuclear Information System (INIS)

Yokoo, Hiroshi; Takahashi, Satoko; Habara, Tadashi

1977-01-01

A test was carried out on the quality of indexing data which is based only upon author-assigned keywords in order to appreciate effectiveness of the keywords. As measures of the quality, the retrievability and the consistency of the indexing data were evaluated by comparison with the case of the conventional indexing method under the circumstances of the INIS descriptor assignment to the journal articles of the Atomic Energy Society of Japan. The indexing consistency obtained was approximately 0.61 on an average (or 0.66 when the narrower-broader hierarchical relations were regarded as consistent ones). Of the hit, noise, or total documents retrieved with the conventional indexing data, 0.86, 0.27, or 0.71, respectively, were retrievable with the keywords-based indexing data. From the results the recall ratio for the keywords-based indexing is estimated to be no less than 0.86 of that for the conventional indexing method, and the consistency of the hit documents are to be 0.75 at least. Consequently, the author-assigned keywords proved to be very effective to the document indexing. (auth.)

The influence of sovereign credit ratings on corporate credit ratings.

OpenAIRE

Umutoni, Liliane

2017-01-01

Credit ratings have a key role in modern financial markets as they communicate crucial information on the creditworthiness of a debt issuer to investors and regulators. These credit ratings are mostly determined by three rating agencies, namely Standard & Poor’s, Moody’s and Fitch, even though, the credit rating industry counts a dozen of recognized rating agencies. Indeed, the three agencies have become the market leaders with a market share of 94.3% on the U.S market (Bloomberg, 2015) and 9...

Mechanical Description of the Mars Climate Sounder Instrument

Science.gov (United States)

Jau, Bruno M.

2008-01-01

This paper introduces the Mars Climate Sounder (MCS) Instrument of the Mars Reconnaissance Orbiter (MRO) spacecraft. The instrument scans the Martian atmosphere almost continuously to systematically acquire weather and climate observations over time. Its primary components are an optical bench that houses dual telescopes with a total of nine channels for visible and infrared sensing, and a two axis gimbal that provides pointing capabilities. Both rotating joints consist of an integrated actuator with a hybrid planetary/harmonic transmission and a twist cap section that enables the electrical wiring to pass through the rotating joint. Micro stepping is used to reduce spacecraft disturbance torques to acceptable levels while driving the stepper motors. To ensure survivability over its four year life span, suitable mechanical components, lubrication, and an active temperature control system were incorporated. Some life test results and lessons learned are provided to serve as design guidelines for actuator parts and flex cables.

Credit risk management in banks

OpenAIRE

Pětníková, Tereza

2014-01-01

The subject of this diploma thesis is managing credit risk in banks, as the most significant risk faced by banks. The aim of this work is to define the basic techniques, tools and methods that are used by banks to manage credit risk. The first part of this work focuses on defining these procedures and describes the entire process of credit risk management, from the definition of credit risk, describing credit strategy and policy, organizational structure, defining the most used credit risk mi...

Sex of respondent and credit attitudes as predictors of credit card use and debt payment.

Science.gov (United States)

McCall, Michael; Eckrich, Donald W

2006-06-01

Researchers have suggested there may be sex differences in attitudes towards credit card possession and use. Undergraduates, 41 men and 41 women, completed a survey regarding their attitudes towards credit, credit card use, and repayment. Analysis indicated sex played a significant moderating role between number of credit cards used and the importance of paying off monthly balances. Women possessed more credit cards than men and engaged in more frequent shopping. Number of credit cards increased with paying off of monthly balances. Data are discussed in terms of the importance of managing credit card debt in an increasingly cashless society.

Consumer Handbook to Credit Protection Laws.

Science.gov (United States)

Board of Governors of the Federal Reserve System, Washington, DC.

The five sections of this consumer handbook are The Cost of Credit, Applying for Credit, Credit Histories and Records, Correcting Credit Mistakes, and Complaining about Credit. Each section discusses relevant legislation: Truth in Lending, the Equal Credit Opportunity Act, and the Fair Credit Reporting Act. Topics discussed in section I include…

Top-k Keyword Search Over Graphs Based On Backward Search

Directory of Open Access Journals (Sweden)

Zeng Jia-Hui

2017-01-01

Full Text Available Keyword search is one of the most friendly and intuitive information retrieval methods. Using the keyword search to get the connected subgraph has a lot of application in the graph-based cognitive computation, and it is a basic technology. This paper focuses on the top-k keyword searching over graphs. We implemented a keyword search algorithm which applies the backward search idea. The algorithm locates the keyword vertices firstly, and then applies backward search to find rooted trees that contain query keywords. The experiment shows that query time is affected by the iteration number of the algorithm.

MANAGEMENT OF CREDIT LOSSES

Directory of Open Access Journals (Sweden)

Natalya P. Anoshkina

2018-06-01

Full Text Available The paper is devoted to the problem of credit loss management topical for modern Russian science and banking practice. The bank’s lending activity is an integral and the most profitable sphere of banking activity. Banks need to take credit risks inherent in their core business and minimize their impact through the establishment of advanced risk management systems. The study, reflected in the present paper, has been conducted in order to determine approaches to the organization of credit loss management in banking. Analysis of the system of management of credit risks and credit losses has shown that they have different scope, object and purpose. In this connection, there is an objective necessity to create a special subsystem for the management of credit losses in banks. On the basis of common bank approaches to credit risk management, the paper develops models of credit loss management: a multi-level management model in the area of ‘operational-tactical-strategic management’ and a functional management model in the area of ‘technology-execution-control’. These models are important for the modern theory and practice of banking, as they allow the bank to manage credit losses on the entire time horizon of the management process, thus opening a wide range of opportunities for the creation and implementation of large-scale programs, as well as specific techniques. This study allows drawing a conclusion about the need to consider control credit losses as a strictly regulated multi-level process, in which each division is assigned with specific objectives, tasks, functions, formally enshrined in the relevant lists, job descriptions and other legal documents.

Non-conventional fuel tax credit

International Nuclear Information System (INIS)

Soeoet, P.M.

1988-01-01

Coal-seam methane, along with certain other non-conventional fuels, is eligible for a tax credit. This production tax credit allowed coal-seam methane producers to receive $0.7526 per million Btu of gas sold during 1986. In 1987, this credit rose to $0.78 per million Btu. The tax credit is a very significant element of the economic analysis of current coal-seam methane projects. In today's spot market, gas prices are around $1.50 per million Btu. Allowing for costs of production, the gas producer will net more income from the tax credit than from the sale of the gas. The Crude Oil Windfall Profit Tax Act of 1980 is the source of this tax credit. There were some minor changes made by subsequent legislation, but most of the tax credit has remained intact. Wells must be drilled by 1990 to qualify for the tax credit but the production from such wells is eligible for the tax credit until 2001. Projections have been made, showing that the tax credit should increase to $0.91 per million Btu for production in 1990 and $1.34 per million Btu in 2000. Variables which may decrease the tax credit from these projections are dramatically lower oil prices or general economic price deflation

Credit Management System

Data.gov (United States)

US Agency for International Development — Credit Management System. Outsourced Internet-based application. CMS stores and processes data related to USAID credit programs. The system provides information...

Term Structure of Credit Spreads of A Firm When Its Underlying Assets are Discontinuous

Directory of Open Access Journals (Sweden)

Budhi Arta Surya

2012-01-01

Full Text Available We revisit the previous works of Leland [12], Leland and Toft [11] andHilberink and Rogers [7] on optimal capital structure and show that thecredit spreads of short-maturity corporate bonds can have nonzero valueswhen the underlying of the firm’s assets value has downward jumps. We givean analytical treatment of this fact under a general Levy process and discusssome numerical examples under pure jump processes.Keywords: Optimal capital structure, credit risk, term structure of creditspread

An Object-Oriented Approach of Keyword Querying over Fuzzy XML

Directory of Open Access Journals (Sweden)

Ting Li

2016-09-01

Full Text Available As the fuzzy data management has become one of the main research topics and directions, the question of how to obtain the useful information by means of keyword query from fuzzy XML documents is becoming a subject of an increasing needed investigation. Considering the keyword query methods on crisp XML documents, smallest lowest common ancestor (SLCA semantics is one of the most widely accepted semantics. When users propose the keyword query on fuzzy XML documents with the SLCA semantics, the query results are always incomplate, with low precision, and with no possibilities values returned. Most of keyword query semantics on XML documents only consider query results matching all keywords, yet users may also be interested in the query results matching partial keywords. To overcome these limitations, in this paper, we investigate how to obtain more comprehensive and meaningful results of keyword querying on fuzzy XML documents. We propose a semantics of object-oriented keyword querying on fuzzy XML documents. First, we introduce the concept of "object tree", analyze different types of matching result object trees and find the "minimum result object trees" which contain all keywords and "result object trees" which contain partial keywords. Then an object-oriented keyword query algorithm ROstack is proposed to obtain the root nodes of these matching result object trees, together with their possibilities. At last, experiments are conducted to verify the effectiveness and efficiency of our proposed algorithm.

Plasma density measurements from the GEOS-1 relaxation sounder

International Nuclear Information System (INIS)

Etcheto, J.; Bloch, J.J.

1978-01-01

The relaxation sounder uses the characteristics of the propagation of radiowaves to sound the plasma surrounding the spacecraft. It determines, in particular, the plasma frequency, which gives the electron density. Measurements over the whole dayside of the magnetosphere, from the evening to the night sectors, are now available. The behaviour of the plasma resonance depends on local time, the nighttime echoes being generally weaker. Density measurements thus obtained are shown and discussed in the context of what is presently known about the plasma distribution in the magnetosphere. In particular, the density around apogee is studied as a function of magnetic activity. On the dayside, it appears to vary between a few and a few tens of electrons per cubic centimeter. The evolution of the density profile for several consecutive days is studied and interpreted tracing back the drift of the particles. (Auth.)

Automatic detection of subglacial lakes in radar sounder data acquired in Antarctica

Science.gov (United States)

Ilisei, Ana-Maria; Khodadadzadeh, Mahdi; Dalsasso, Emanuele; Bruzzone, Lorenzo

2017-10-01

Subglacial lakes decouple the ice sheet from the underlying bedrock, thus facilitating the sliding of the ice masses towards the borders of the continents, consequently raising the sea level. This motivated increasing attention in the detection of subglacial lakes. So far, about 70% of the total number of subglacial lakes in Antarctica have been detected by analysing radargrams acquired by radar sounder (RS) instruments. Although the amount of radargrams is expected to drastically increase, from both airborne and possible future Earth observation RS missions, currently the main approach to the detection of subglacial lakes in radargrams is by visual interpretation. This approach is subjective and extremely time consuming, thus difficult to apply to a large amount of radargrams. In order to address the limitations of the visual interpretation and to assist glaciologists in better understanding the relationship between the subglacial environment and the climate system, in this paper, we propose a technique for the automatic detection of subglacial lakes. The main contribution of the proposed technique is the extraction of features for discriminating between lake and non-lake basal interfaces. In particular, we propose the extraction of features that locally capture the topography of the basal interface, the shape and the correlation of the basal waveforms. Then, the extracted features are given as input to a supervised binary classifier based on Support Vector Machine to perform the automatic subglacial lake detection. The effectiveness of the proposed method is proven both quantitatively and qualitatively by applying it to a large dataset acquired in East Antarctica by the MultiChannel Coherent Radar Depth Sounder.

Keywords in Context (Using n-grams with Python

Directory of Open Access Journals (Sweden)

William J. Turkel

2012-07-01

Full Text Available Like in Output Data as HTML File, this lesson takes the frequency pairs collected in Counting Frequencies and outputs them in HTML. This time the focus is on keywords in context (KWIC which creates n-grams from the original document content – in this case a trial transcript from the Old Bailey Online. You can use your program to select a keyword and the computer will output all instances of that keyword, along with the words to the left and right of it, making it easy to see at a glance how the keyword is used. Once the KWICs have been created, they are then wrapped in HTML and sent to the browser where they can be viewed. This reinforces what was learned in Output Data as HTML File, opting for a slightly different output. At the end of this lesson, you will be able to extract all possible n-grams from the text. In the next lesson, you will be learn how to output all of the n-grams of a given keyword in a document downloaded from the Internet, and display them clearly in your browser window.

THE ROLE OF INTEGRATED ISLAMIC COMMERCIAL AND SOCIAL FINANCE FOR CURBING CREDIT CYCLES AND ACHIEVING MACROPRUDENTIAL OBJECTIVE

Directory of Open Access Journals (Sweden)

Arif Widodo

2018-03-01

Full Text Available It is widely believed that Islamic finance is inherently stable since the principle of risk-sharing and linking the financial to real counterpart in particular through its social finance are applied, hence the financial stability may successfully be attained. If mimicking the conventional finance, Islamic model will probably be facing instability, following the financial cycle. There has been a growing literature discussing credit cycle in mainstream perspective since 2008 global financial crash. However, it is quite rare to find study, in macro context, on credit cycles and the effectiveness of integrated Islamic commercial and social finance in achieving macroprudential objective: curtailing excessive credit. This study is designed to empirically examine the characteristics of cycles stemming from conventional and Islamic credit whether both have similar trend and also to investigate how the integrated Islamic commercial and social finance may be effective to hamper such cycles. By employing Hodrick-Presscot Filter, Markov Switching and Vector Error Correction Model, this study demonstrates that, in terms of cycle, Islamic model cycle has certain similarities with conventional counterpart since it functions under similar financial environment despite the fact that Islamic has less amplitude compared with conventional credit. Both credit and financing cycles tend to grow rapidly (excessive several months before global financial crisis happened in 2008. This means that, in a dual banking system, credit and financing boom may precede financial crisis. Moreover, it is apparent also that the integrated Islamic finance is proven to be effective in curbing credit growth due to the effectiveness of both macroprudential instrument applied in banking sector and social finance in safeguarding financial stability. Keywords:  Credit cycle, Macroprudential policy, Markov Switching, HP filter JEL Classification: E32, E51, G29

Credit Union Headquarters

Data.gov (United States)

Department of Homeland Security — The National Credit Union Administration (NCUA) is the independent federal agency that charters and supervises federal credit unions. NCUA, backed of the full faith...

Impact of local and non-local sources of pollution on background US Ozone: synergy of a low-earth orbiting and geostationary sounder constellation

Science.gov (United States)

Bowman, K. W.; Lee, M.

2015-12-01

Dramatic changes in the global distribution of emissions over the last decade have fundamentally altered source-receptor pollution impacts. A new generation of low-earth orbiting (LEO) sounders complimented by geostationary sounders over North America, Europe, and Asia providing a unique opportunity to quantify the current and future trajectory of emissions and their impact on global pollution. We examine the potential of this constellation of air quality sounders to quantify the role of local and non-local sources of pollution on background ozone in the US. Based upon an adjoint sensitivity method, we quantify the role synoptic scale transport of non-US pollution on US background ozone over months representative of different source-receptor relationships. This analysis allows us distinguish emission trajectories from megacities, e.g. Beijing, or regions, e.g., western China, from natural trends on downwind ozone. We subsequently explore how a combination of LEO and GEO observations could help quantify the balance of local emissions against changes in distant sources . These results show how this unprecedented new international ozone observing system can monitor the changing structure of emissions and their impact on global pollution.

Credit risk transfer

OpenAIRE

Bank for International Settlements

2003-01-01

Executive summary Techniques for transferring credit risk, such as financial guarantees and credit insurance, have been a long-standing feature of financial markets. In the past few years, however, the range of credit risk transfer (CRT) instruments and the circumstances in which they are used have widened considerably. A number of factors have contributed to this growth, including: greater focus by banks and other financial institutions on risk management; a more rigorous approach to risk/re...

Dynamic Virtual Credit Card Numbers

Science.gov (United States)

Molloy, Ian; Li, Jiangtao; Li, Ninghui

Theft of stored credit card information is an increasing threat to e-commerce. We propose a dynamic virtual credit card number scheme that reduces the damage caused by stolen credit card numbers. A user can use an existing credit card account to generate multiple virtual credit card numbers that are either usable for a single transaction or are tied with a particular merchant. We call the scheme dynamic because the virtual credit card numbers can be generated without online contact with the credit card issuers. These numbers can be processed without changing any of the infrastructure currently in place; the only changes will be at the end points, namely, the card users and the card issuers. We analyze the security requirements for dynamic virtual credit card numbers, discuss the design space, propose a scheme using HMAC, and prove its security under the assumption the underlying function is a PRF.

12 CFR 561.12 - Consumer credit.

Science.gov (United States)

2010-01-01

...; loans in the nature of overdraft protection; and credit extended in connection with credit cards. ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Consumer credit. 561.12 Section 561.12 Banks... AFFECTING ALL SAVINGS ASSOCIATIONS § 561.12 Consumer credit. The term consumer credit means credit extended...

THE CREDIT AND CREDIT RISK MANAGEMENT DURING THE CRISIS

Directory of Open Access Journals (Sweden)

Chitan Gheorghe

2012-03-01

Full Text Available Considering the importance of credit risk management to ensure the financial system stability,the paper presents financial and real sector interaction highlighting that credit growth based on increase of creditdemand, of income, of assets prices, of currency availability, the interest rate differential between countries andrelaxation of regulatory framework, leaves banks more vulnerable to subsequent downturn in economic activity andasset prices. It also outlines the steps taken or those I think that should be implemented in terms of improving creditrisk management, implementation of regulatory measures to limit credit expansion, enforcing the regulatoryrequirements for covering the expected and unexpected losses, introduction of new surveillance tools aimed to leadto a more resilient financial system.

Determinants of SME credit worthiness under Basel rules: the value of credit history information

Directory of Open Access Journals (Sweden)

Francesco Dainelli

2013-03-01

Full Text Available The Basel III Accord has reportedly had an impact on SME financing. In this paper, we aim to highlight the determinants of SME credit worthiness. We use credit history in addition to financial ratios and “hybrid” indicators that have been built by mixing credit history with financial statement data. We develop a failure prediction logit model on 187 Italian SMEs. The use of short-term credit lines is the most important variable. Contrary to common understanding, capitalization levels do not affect ratings. Lastly, credit worthiness is sensitive to sale profitability.

Performance of a 1-micron, 1-joule Coherent Launch Site Atmospheric Wind Sounder

Science.gov (United States)

Hawley, James G.; Targ, Russell; Bruner, Richard; Henderson, Sammy W.; Hale, Charles P.; Vetorino, Steven; Lee, R. W.; Harper, Scott; Khan, Tayyab

1992-01-01

The paper describes the design and performance of the Coherent Launch Site Atmospheric Wind Sounder (CLAWS), which is a test and demonstration program designed for monitoring winds with a solid-state lidar in real time for the launch site vehicle guidance and control application. Analyses were conducted to trade off CO2 (9.11- and 10.6-microns), Ho:YAG (2.09 microns), and Nd:YAG (1.06-micron) laser-based lidars. The measurements set a new altitude record (26 km) for coherent wind measurements in the stratosphere.

The Whisper Relaxation Sounder onboard Cluster: A Powerful Tool for Space Plasma Diagnosis around the Earth

International Nuclear Information System (INIS)

Trotignon, J.G.; Decreau, P.M.E.; Rauch, J.L.; LeGuirriec, E.; Canu, P.; Darrouzet, F.

2001-01-01

The WHISPER relaxation sounder that is onboard the four CLUSTER spacecraft has for main scientific objectives to monitor the natural waves in the 2 kHz - 80 kHz frequency range and, mostly, to determine the total plasma density from the solar wind down to the Earth's plasmasphere. To fulfil these objectives, the WHISPER uses the two long double sphere antennae of the Electric Field and Wave experiment as transmitting and receiving sensors. In its active working mode, the WHISPER works according to principles that have been worked out for topside sounding. A radio wave transmitter sends an almost monochromatic and short wave train. A few milliseconds after, a receiver listens to the surrounding plasma response. Strong and long lasting echoes are actually received whenever the transmitting frequencies coincide with characteristic plasma frequencies. Provided that these echoes, also called resonances, may be identified, the WHISPER relaxation sounder becomes a reliable and powerful tool for plasma diagnosis. When the transmitter is off, the WHISPER behaves like a passive receiver, allowing natural waves to be monitored. The paper aims mainly at the resonance identification process description and the WHISPER capabilities and performance highlighting. (author)

Credit Card Quiz.

Science.gov (United States)

Marks, Jeff

2000-01-01

Describes an activity in which students design credit cards and discover for themselves the mathematical realities of buying on credit. Employs multiple-intelligence theory to increase the chance that all students will be reached. (YDS)

Credit derivatives and risk management

OpenAIRE

Michael S. Gibson

2007-01-01

The striking growth of credit derivatives suggests that market participants find them to be useful tools for risk management. I illustrate the value of credit derivatives with three examples. A commercial bank can use credit derivatives to manage the risk of its loan portfolio. An investment bank can use credit derivatives to manage the risks it incurs when underwriting securities. An investor, such as an insurance company, asset manager, or hedge fund, can use credit derivatives to align its...

Latinos in the Credit Economy

OpenAIRE

Ralph, Lisa M.

2010-01-01

Access to consumer credit as a means of building wealth is one of the least examined forms of social inequality. The recent economic crisis in the United States has brought attention to the significance of consumer credit in our nation's economy; however, less understood are the specific obstacles and barriers that prevent low-income individuals from reaching the "American Dream." In an exploratory manner, this study compared credit access, credit literacy, and credit experience of low-income...

Quality of urban forest carbon credits

Science.gov (United States)

Neelam C. Poudyala; Jacek P. Siry; J.M. Bowker

2011-01-01

While the urban forest is considered an eligible source of carbon offset credits, little is known about its market potential and the quality aspects of the credits. As credit suppliers increase in number and credit buyers become more interested in purchasing carbon credits, it is unclear whether and how urban forest carbon credits can perform relative to the other...

A keyword spotting model using perceptually significant energy features

Science.gov (United States)

Umakanthan, Padmalochini

The task of a keyword recognition system is to detect the presence of certain words in a conversation based on the linguistic information present in human speech. Such keyword spotting systems have applications in homeland security, telephone surveillance and human-computer interfacing. General procedure of a keyword spotting system involves feature generation and matching. In this work, new set of features that are based on the psycho-acoustic masking nature of human speech are proposed. After developing these features a time aligned pattern matching process was implemented to locate the words in a set of unknown words. A word boundary detection technique based on frame classification using the nonlinear characteristics of speech is also addressed in this work. Validation of this keyword spotting model was done using widely acclaimed Cepstral features. The experimental results indicate the viability of using these perceptually significant features as an augmented feature set in keyword spotting.

Boundedly rational credit cycles

OpenAIRE

Sáez, María

1996-01-01

We propose an evolutionary model of a credit market. We show that the economy exhibits credit cycles. The model predicts dynamics which are consistent with some evidence about the Great Depression. Real shocks trigger episodes of credit--crunch which are observed in the process of adjustment towards the post shock equilibrium.

Statistical credit risk assessment model of small and very small enterprises for Lithuanian credit unions

OpenAIRE

Špicas, Renatas

2017-01-01

While functioning in accordance with the new, business and efficiency-oriented operating model, credit unions develop and begin functioning outside the community. It is universally recognised in scientific literature that as credit unions expand their activities beyond a community, social relations with credit union members weaken and the credit unions lose their social control element, which help them to better assess and manage information asymmetry and credit risk. So far, the analysis of ...

Comment on Geoengineering with seagrasses: is credit due where credit is given?

Science.gov (United States)

Oreska, Matthew P. J.; McGlathery, Karen J.; Emmer, Igino M.; Needelman, Brian A.; Emmett-Mattox, Stephen; Crooks, Stephen; Megonigal, J. Patrick; Myers, Doug

2018-03-01

In their recent review, ‘Geoengineering with seagrasses: is credit due where credit is given?,’ Johannessen and Macdonald (2016) invoke the prospect of carbon offset-credit over-allocation by the Verified Carbon Standard as a pretense for their concerns about published seagrass carbon burial rate and global stock estimates. Johannessen and Macdonald (2016) suggest that projects seeking offset-credits under the Verified Carbon Standard methodology VM0033: Methodology for Tidal Wetland and Seagrass Restoration will overestimate long-term (100 yr) sediment organic carbon (SOC) storage because issues affecting carbon burial rates bias storage estimates. These issues warrant serious consideration by the seagrass research community; however, VM0033 does not refer to seagrass SOC ‘burial rates’ or ‘storage.’ Projects seeking credits under VM0033 must document greenhouse gas emission reductions over time, relative to a baseline scenario, in order to receive credits. Projects must also monitor changes in carbon pools, including SOC, to confirm that observed benefits are maintained over time. However, VM0033 allows projects to conservatively underestimate project benefits by citing default values for specific accounting parameters, including CO2 emissions reductions. We therefore acknowledge that carbon crediting methodologies such as VM0033 are sensitive to the quality of the seagrass literature, particularly when permitted default factors are based in part on seagrass burial rates. Literature-derived values should be evaluated based on the concerns raised by Johannessen and Macdonald (2016), but these issues should not lead to credit over-allocation in practice, provided VM0033 is rigorously followed. These issues may, however, affect the feasibility of particular seagrass offset projects.

Whisper, a resonance sounder and wave analyser: Performances and perspectives for the Cluster mission

DEFF Research Database (Denmark)

Decreau, P.M.E.; Fergeau, P.; KrannoselsKikh, V.

1997-01-01

The WHISPER sounder on the Cluster spacecraft is primarily designed to provide an absolute measurement of the total plasma density within the range 0.2-80 cm(-3). This is achieved by means of a resonance sounding technique which has already proved successful in the regions to be explored. The wav...... in the electron foreshock and solar wind, to investigations about small-scale structures via density and high-frequency emission signatures, and to the analysis of the non-thermal continuum in the magnetosphere....

Web page sorting algorithm based on query keyword distance relation

Science.gov (United States)

Yang, Han; Cui, Hong Gang; Tang, Hao

2017-08-01

In order to optimize the problem of page sorting, according to the search keywords in the web page in the relationship between the characteristics of the proposed query keywords clustering ideas. And it is converted into the degree of aggregation of the search keywords in the web page. Based on the PageRank algorithm, the clustering degree factor of the query keyword is added to make it possible to participate in the quantitative calculation. This paper proposes an improved algorithm for PageRank based on the distance relation between search keywords. The experimental results show the feasibility and effectiveness of the method.

Models of Credit Risk Measurement

OpenAIRE

Hagiu Alina

2011-01-01

Credit risk is defined as that risk of financial loss caused by failure by the counterparty. According to statistics, for financial institutions, credit risk is much important than market risk, reduced diversification of the credit risk is the main cause of bank failures. Just recently, the banking industry began to measure credit risk in the context of a portfolio along with the development of risk management started with models value at risk (VAR). Once measured, credit risk can be diversif...

49 CFR 536.4 - Credits.

Science.gov (United States)

2010-10-01

... OF TRANSPORTATION TRANSFER AND TRADING OF FUEL ECONOMY CREDITS § 536.4 Credits. (a) Type and vintage... category, and model year of origin (vintage). (b) Application of credits. All credits earned and applied are calculated, per 49 U.S.C. 32903(c), in tenths of a mile per gallon by which the average fuel...

Credit Market Information Feedback

OpenAIRE

Balasubramanyan, Lakshmi; Craig, Ben R.; Thomson, James B.; Zaman, Saeed

2015-01-01

We examine how a combination of credit market and asset quality information can jointly be used in assessing bank franchise value. We find that expectations of future credit demand and future asset quality explain contemporaneous bank franchise value, indicative of the feedback in credit market information and its consequent impact on bank franchise value.

Carbon Monoxide Distribution over Peninsular Malaysia from the Atmospheric Infrared Sounder (AIRS)

Science.gov (United States)

Rajab, Jaso M.; MatJafri, M. Z.; Lim, H. S.; Abdullah, K.

2009-07-01

The Atmospheric Infrared Sounder (AIRS) onboard NASA's Aqua satellite. It daily coverage of ˜70% of the planet represents a significant evolutionary advance in satellite traces gas remote sensing. AIRS, the part of a large international investment to upgrade the operational meteorological satellite systems, is first of the new generation of meteorological advanced sounders for operational and research use, Providing New Insights into Weather and Climate for the 21st Century. Carbon monoxide (CO) is a ubiquitous, an indoor and outdoor air pollutant, is not a significant greenhouse gas as it absorbs little infrared radiation from the Earth. However, it does have an influence on oxidization in the atmosphere through interaction with hydroxyl radicals (OH), which also react with methane, halocarbons and tropospheric ozone. It produced by the incomplete combustion of fossil fuels and biomass burning, and that it has a role as a smog. The aim of this investigation is to study the (CO) carbon monoxide distribution over Peninsular Malaysia. The land use map of the Peninsular Malaysia was conducted by using CO total column amount, obtained from AIRS data, the map & data was processed and analyzed by using Photoshop & SigmaPlot 11.0 programs and compared for timing of various (day time) (28 August 2005 & 29 August 2007) for both direct comparison and the comparison using the same a priori profile, the CO concentrations in 28/8/2005 higher. The CO maps were generated using Kriging Interpolation technique. This interpolation technique produced high correlation coefficient, R2 and low root mean square error, RMS for CO. This study provided useful information for influence change of CO concentration on varies temperature.

The two-child limit for Universal Credit and Child Tax Credit

OpenAIRE

MACHIN, Richard

2017-01-01

Richard Machin explores the background to, and likely impact of, the two-child limit on the child element in Universal Credit and the Child Tax Credit, which was introduced by the Welfare Reform and Work Act 2016

NOAA Climate Data Record (CDR) of Intersatellite Calibrated Clear-Sky High Resolution Infrared Radiation Sounder (HIRS) Channel 12 Brightness Temperature Version 3

Data.gov (United States)

National Oceanic and Atmospheric Administration, Department of Commerce — The High-Resolution Infrared Radiation Sounder (HIRS) of intersatellite calibrated channel 12 brightness temperature (TB) product is a gridded global monthly time...

Credit Hours with No Set Time: A Study of Credit Policies in Asynchronous Online Education

Science.gov (United States)

Prasuhn, Frederick Carl

2014-01-01

U.S. public university system policies were examined to learn how credit hours were determined for asynchronous online education. Findings indicated that (a) credit hour meaning and use are not consistent, (b) primary responsibility for credit hour decisions was at the local level, and (c) no policies exist to guide credit hour application for…

MODEL PENSKORAN PARTIAL CREDIT PADA BUTIR MULTIPLE TRUE-FALSE BIDANG FISIKA

Directory of Open Access Journals (Sweden)

Wasis Wasis

2013-01-01

in 2007 of Faculty of Mathematics and Science of Surabaya State University. The testees’ responses were scored using the partial credit model (PCM I; II; and III and also dichotomously scored. The results of the four scoring models were analyzed using the Quest program to obtain the estimation of the butir difficulty level (δ and that of the testees’ abilities (θ. The generating of the simulation data used the SAS statistical program and the estimation accuracy was analyzed by using the root mean squared error (RMSE method. The results of the study show the following: (i The scoring with the partial credit model with weighting is capable of estimating abilities more accurate than without weighting and dichotomous scoring; (ii The more the number of the categories in the partial credit scoring is, the more accurate the result of the ability estimation. Keywords: partial credit model scoring, multiple true-false butir

CREDIT DEFAULT SWAPS IN THE MECHANISM OF REDISTRIBUTION OF CREDIT RISK

Directory of Open Access Journals (Sweden)

O. Solodka

2015-03-01

Full Text Available In the article the economic nature and the functioning of CDS in terms of efficient redistribution of credit risk. The features of the dynamics of the nominal volume of the world market CDS, the gross market value and net market value of the CDS. Proved that more objective indicators of total credit risk shenerovanoho financial institutions are gross market value of the CDS and the net market value of CDS. We consider the variety and scope of CDS. Studied objectivity CDS valuation depending on the basis for valuation of CDS. In the mechanism of functioning CDS credit event as defined default “subject matter”, the features of conventional and technical default. Noted that a credit event for the use of CDS may also restructuring the company, bankruptcy or downgrade economic entity. In the article the types of CDS, including Basket Default Swap and First-of- Basket-to-Default Swap. We consider the application of CDS, namely hedge the credit risk of the underlying asset, which issued CDS; hedging credit risk of other assets by CDS; speculative trading in CDS. Depending on the particular basis for valuation of CDS, investigated objective valuation based on the value of CDS hedging; valuation CDS, based on the intensity of default; CDS valuation based on credit rating; valuation CDS, based on the value of the company. Proved that hedging through CDS will be effective only for the low correlation between the default of the underlying asset and counterparty default on swaps. It is proved that the accuracy and redutsyrovanyh structural models strongly depends on the “a long history of trading” underlying assets, asset must have a long history of trading, be the subject of in-depth analysis of a wide range of analysts and traders.

Credit Cards. Bulletin No. 721. (Revised.)

Science.gov (United States)

Fox, Linda Kirk

This cooperative extension bulletin provides basic information about credit cards and their use. It covers the following topics: types of credit cards (revolving credit, travel and entertainment, and debit); factors to consider when evaluating a credit card (interest rates, grace period, and annual membership fee); other credit card costs (late…

7 CFR 4280.139 - Credit quality.

Science.gov (United States)

2010-01-01

... 7 Agriculture 15 2010-01-01 2010-01-01 false Credit quality. 4280.139 Section 4280.139 Agriculture... Improvements Program Section B. Guaranteed Loans § 4280.139 Credit quality. The lender must determine credit quality and must address all of the elements of credit quality in a written credit analysis, including...

Value of credit bureau reports

Directory of Open Access Journals (Sweden)

Brković Milan

2017-01-01

Full Text Available An efficient system of credit information sharing contributes to solving the problem of information asymmetry on the credit and financial markets in general. The consequences of the global economic and financial crisis revealed an increasing demand for reliable information and data which could close the existing gap in their insufficiency, misuse or inadequate analytical value for the economic and financial policy makers. In that sense, more attention is directed to the usefulness of credit information sharing and the practical value of information and data contained in credit bureau reports for the purposes of achieving the overall economic policy goals. The fulfillment of that role depends mostly on the credit information sharing system and its characteristics, participants, and procedures. A credit bureau report in the best possible manner reflects all advantages and disadvantages of the established credit information exchange system in terms of its analytical value for the purposes of efficient macroeconomic and macrofinancial policies.

Intelligent Online Marketing : Predicting Conversion Rate Of New Keywords

OpenAIRE

Engström, Tommy

2013-01-01

This thesis looks at the problem of predicting conversion rate of keywords in Google Adwords where little or no data for the keyword is available. Several methods are investigated and tested on data belonging to three different real world clients. The methods try to predict the conversion rate only given the keyword text. All methods are compared, using two different evaluation methods, with results showing good potential. Finally further improvements are suggested that could have a big impac...

12 CFR 703.6 - Credit analysis.

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Credit analysis. 703.6 Section 703.6 Banks and... ACTIVITIES § 703.6 Credit analysis. A Federal credit union must conduct and document a credit analysis on an... Federal Deposit Insurance Corporation. A Federal credit union must update this analysis at least annually...

Trust and Credit

DEFF Research Database (Denmark)

Harste, Gorm

The present paper is an answer to the question, how did trust and credit emerge. The systems of trust and credit reduce the environmental and contextual complexities in which trust and credit are embedded. The paper analyses the forms of this reduction in a number of stages in the evolution...... of history from the present risk of modern systems back to early modernity, the Reformation and the high medieval Revolutions in law, organization and theology. It is not a history of economics, but a history of the conditions of some communication codes used in economic systems....

Credit Risk Modeling

DEFF Research Database (Denmark)

Lando, David

Credit risk is today one of the most intensely studied topics in quantitative finance. This book provides an introduction and overview for readers who seek an up-to-date reference to the central problems of the field and to the tools currently used to analyze them. The book is aimed at researchers...... and students in finance, at quantitative analysts in banks and other financial institutions, and at regulators interested in the modeling aspects of credit risk. David Lando considers the two broad approaches to credit risk analysis: that based on classical option pricing models on the one hand...

Can Item Keyword Feedback Help Remediate Knowledge Gaps?

Science.gov (United States)

Feinberg, Richard A; Clauser, Amanda L

2016-10-01

In graduate medical education, assessment results can effectively guide professional development when both assessment and feedback support a formative model. When individuals cannot directly access the test questions and responses, a way of using assessment results formatively is to provide item keyword feedback. The purpose of the following study was to investigate whether exposure to item keyword feedback aids in learner remediation. Participants included 319 trainees who completed a medical subspecialty in-training examination (ITE) in 2012 as first-year fellows, and then 1 year later in 2013 as second-year fellows. Performance on 2013 ITE items in which keywords were, or were not, exposed as part of the 2012 ITE score feedback was compared across groups based on the amount of time studying (preparation). For the same items common to both 2012 and 2013 ITEs, response patterns were analyzed to investigate changes in answer selection. Test takers who indicated greater amounts of preparation on the 2013 ITE did not perform better on the items in which keywords were exposed compared to those who were not exposed. The response pattern analysis substantiated overall growth in performance from the 2012 ITE. For items with incorrect responses on both attempts, examinees selected the same option 58% of the time. Results from the current study were unsuccessful in supporting the use of item keywords in aiding remediation. Unfortunately, the results did provide evidence of examinees retaining misinformation.

Documentary Credit Transfer and Other Financing from What Can Match as Product of Credit

Directory of Open Access Journals (Sweden)

Libardo Quintero Salazar

2016-12-01

Full Text Available When a contract of international sale of goods is mediated by a form of payment as the documentary credit, exporters that initially lack financial resources to produce or obtain merchandise that then will be delivered to the importer, look as first natural possibility of financing the transfer for the documentary credit. Now not always the credit can be transferable in accordance with the Uniform Customs and Practice for Documentary Credits (UCP – because, for example, the importer or the financial entity do not want it in that way. Given the above scenario, this article aims to provide solutions, explaining legal alternatives for the exporter that is not in the UCP-, to use the money that might correspond as a result of the documentary credit, to finance the production or acquisition of goods against other traders, and then reselling them to the importer. It concludes that the exporter can achieve such immediate funding - similar to what encourage the transfer of documentary credit - using to their relations with the supplier, figures as the assignment of a future credit, banker’s acceptance and contract terms.

Keyword analysis of community planning documents

Data.gov (United States)

U.S. Environmental Protection Agency — This file contains total hits per keyword expressed as percentage of total hits for the eight domains of the human well-being index. Additional categorical data is...

Modern bank's credit risk

Directory of Open Access Journals (Sweden)

Šabović Šerif

2015-01-01

Full Text Available Credit risk is the most important risk banks have to face with. It occurs due to an obligation created because of debtors' capital and interest rate nonpayment. Debtors obligations non-fulfilment may lead to great losses and insolvency in bank's business. Credit risk is the crucial reason of bank's insolvency. Over 80% of bank's balance sheet is exposed to credit risk.

Inventory and Credit Decisions under Day-Terms Credit Linked Demand and Allowance for Bad Debts

Directory of Open Access Journals (Sweden)

K. K. Aggarwal

2014-01-01

Full Text Available In order to stimulate demand of their product, firms generally give credit period to their customers. However, selling on credit exposes the firms to the additional dimension of bad debts expense (i.e., customer’s default. Moreover, credit period through its influence on demand becomes a determinant of inventory decisions and inventory sold on credit gets converted to accounts receivable indicating the interaction between the two. Since inventory and credit decisions are interrelated, inventory decisions must be determined jointly with credit decisions. Consequently, in this paper, a mathematical model is developed to determine inventory and credit decisions jointly. The demand rate is assumed to be a logistic function of credit period. The accounts receivable carrying cost along with an explicit consideration of bad debt expense which have been often ignored in previous models are incorporated in the present model. The discounted cash flow approach (DCF is used to develop the model and the objective is to maximize the present value of the firm’s net profit per unit time. Finally, numerical example and sensitivity analysis have been done to illustrate the effectiveness of the proposed model.

Tropical stratospheric water vapor measured by the microwave limb sounder (MLS)

Science.gov (United States)

Carr, E. S.; Harwood, R. S.; Mote, P. W.; Peckham, G. E.; Suttie, R. A.; Lahoz, W. A.; O'Neill, A.; Froidevaux, L.; Jarnot, R. F.; Read, W. G.

1995-01-01

The lower stratospheric variability of equatorial water vapor, measured by the Microwave Limb Sounder (MLS), follows an annual cycle modulated by the quasi-biennial oscillation. At levels higher in the stratosphere, water vapor measurements exhibit a semi-annual oscillatory signal with the largest amplitudes at 2.2 and 1hPa. Zonal-mean cross sections of MLS water vapor are consistent with previous satellite measurements from the limb infrared monitor of the stratosphere (LIMS) and the stratospheric Aerosol and Gas Experiment 2 (SAGE 2) instruments in that they show water vapor increasing upwards and the polewards from a well defined minimum in the tropics. The minimum values vary in height between the retrieved 46 and 22hPa pressure levels.

Use of INSAT-3D sounder and imager radiances in the 4D-VAR data assimilation system and its implications in the analyses and forecasts

Science.gov (United States)

Indira Rani, S.; Taylor, Ruth; George, John P.; Rajagopal, E. N.

2016-05-01

INSAT-3D, the first Indian geostationary satellite with sounding capability, provides valuable information over India and the surrounding oceanic regions which are pivotal to Numerical Weather Prediction. In collaboration with UK Met Office, NCMRWF developed the assimilation capability of INSAT-3D Clear Sky Brightness Temperature (CSBT), both from the sounder and imager, in the 4D-Var assimilation system being used at NCMRWF. Out of the 18 sounder channels, radiances from 9 channels are selected for assimilation depending on relevance of the information in each channel. The first three high peaking channels, the CO2 absorption channels and the three water vapor channels (channel no. 10, 11, and 12) are assimilated both over land and Ocean, whereas the window channels (channel no. 6, 7, and 8) are assimilated only over the Ocean. Measured satellite radiances are compared with that from short range forecasts to monitor the data quality. This is based on the assumption that the observed satellite radiances are free from calibration errors and the short range forecast provided by NWP model is free from systematic errors. Innovations (Observation - Forecast) before and after the bias correction are indicative of how well the bias correction works. Since the biases vary with air-masses, time, scan angle and also due to instrument degradation, an accurate bias correction algorithm for the assimilation of INSAT-3D sounder radiance is important. This paper discusses the bias correction methods and other quality controls used for the selected INSAT-3D sounder channels and the impact of bias corrected radiance in the data assimilation system particularly over India and surrounding oceanic regions.

Credit Card Debt Hardship Letter Samples

OpenAIRE

lissa coffey

2016-01-01

Having trouble with your credit card debt? Below you will find examples of hardship letters. There are several things to consider when writing a credit card hardship letter. A hardship letter is the first step to letting the credit card company know that things are bad. This free credit card hardship letter sample is only a guide in order to start the negotiation. Credit card debt hardship letter example, hardship letter to credit card. If you are having trouble paying off your debt and need ...

Credit cues and impression management: a preliminary attempt to explain the credit card effect.

Science.gov (United States)

McCall, Michael; Trombetta, Jessica; Gipe, Aimee

2004-08-01

Prior research had suggested that individuals would estimate higher product values and even tip more in the presence of credit cues. In the absence of a clear theoretical interpretation of this credit card effect we propose that this tendency is an impression management strategy such that credit cue exposure influences perceptions of the self and focuses attention on individual wealth. Thus, in the presence of others, credit cues serve to enhance images of the self. Preliminary data in support of this alternative theoretical perspective are presented.

Space Electron Density Gradient Studies using a 3D Embedded Reconfigurable Sounder and ESA/NASA CLUSTER Mission

Science.gov (United States)

Dekoulis, George

2016-07-01

This paper provides a direct comparison between data captured by a new embedded reconfigurable digital sounder, different ground-based ionospheric sounders spread around Europe and the ESA/NASA CLUSTER mission. The CLUSTER mission consists of four identical space probes flying in a formation that allows measurements of the electron density gradient in the local magnetic field. Both the ground-based and the spacecraft instrumentations assist in studying the motion, geometry and boundaries of the plasmasphere. The comparison results are in accordance to each other. Some slight deviations among the captured data were expected from the beginning of this investigation. These small discrepancies are reasonable and seriatim analyzed. The results of this research are significant, since the level of the plasma's ionization, which is related to the solar activity, dominates the propagation of electromagnetic waves through it. Similarly, unusually high solar activity presents serious hazards to orbiting satellites, spaceborne instrumentation, satellite communications and infrastructure located on the Earth's surface. Long-term collaborative study of the data is required to continue, in order to identify and determine the enhanced risk in advance. This would allow scientists to propose an immediate cure.

Permit trading and credit trading

DEFF Research Database (Denmark)

Boom, Jan-Tjeerd; R. Dijstra, Bouwe

This paper compares emissions trading based on a cap on total emissions (permit trading) and on relative standards per unit of output (credit trading). Two types of market structure are considered: perfect competition and Cournot oligopoly. We find that output, abatement costs and the number...... of firms are higher under credit trading. Allowing trade between permit-trading and credit-trading sectors may increase in welfare. With perfect competition, permit trading always leads to higher welfare than credit trading. With imperfect competition, credit trading may outperform permit trading....... Environmental policy can lead to exit, but also to entry of firms. Entry and exit have a profound impact on the performance of the schemes, especially under imperfect competition. We find that it may be impossible to implement certain levels of total industry emissions. Under credit trading several levels...

Tag cloud generation for results of multiple keywords queries

DEFF Research Database (Denmark)

Leginus, Martin; Dolog, Peter; Lage, Ricardo Gomes

2013-01-01

In this paper we study tag cloud generation for retrieved results of multiple keyword queries. It is motivated by many real world scenarios such as personalization tasks, surveillance systems and information retrieval tasks defined with multiple keywords. We adjust the state-of-the-art tag cloud...... generation techniques for multiple keywords query results. Consequently, we conduct the extensive evaluation on top of three distinct collaborative tagging systems. The graph-based methods perform significantly better for the Movielens and Bibsonomy datasets. Tag cloud generation based on maximal coverage...

Overrated credit risk: three essays on credit risk in turbulent times

NARCIS (Netherlands)

Bongaerts, D.G.J.

2010-01-01

Credit markets have shown a dramatic development at the start of the 21st century. Increased regulatory pressure on financial institutions has spurred the development of innovative products that allow for transfer of credit risk. These developments lay at the base of the largest financial crisis

The Impact of Financial Development on the Relationship between Trade Credit, Bank Credit and Firm Characteristics

OpenAIRE

Jézabel Couppey-Soubeyran; Jérôme Héricourt

2013-01-01

Using a database of more than 1,300 firms from six countries in the MENA region, we study the impact of financial development on the relationship between trade credit on the one hand and bank credit access and firm-level characteristics, especially financial health, on the other hand. Trade credit use increases with the difficulty for gaining access to bank credit, and indicators of the quality of the firm's financial structure negatively influence the use of trade credit. Additional investig...

A global climatology of stratospheric gravity waves from Atmospheric Infrared Sounder observations

Science.gov (United States)

Hoffmann, Lars; Xue, Xianghui; Alexander, M. Joan

2014-05-01

We present the results of a new study that aims on the detection and classification of `hotspots' of stratospheric gravity waves on a global scale. The analysis is based on a nine-year record (2003 to 2011) of radiance measurements by the Atmospheric Infrared Sounder (AIRS) aboard NASA's Aqua satellite. We detect the presence of stratospheric gravity waves based on 4.3 micron brightness temperature variances. Our method is optimized for peak events, i.e., strong gravity wave events for which the local variance considerably exceeds background levels. We estimated the occurrence frequencies of these peak events for different seasons and time of day and used the results to find local maxima of gravity wave activity. In addition, we use AIRS radiances at 8.1 micron to simultaneously detect convective events, including deep convection in the tropics and mesoscale convective systems at mid latitudes. We classified the gravity waves according to their sources, based on seasonal occurrence frequencies for convection and by means of topographic data. Our study reproduces well-known hotspots of gravity waves, e.g., the mountain wave hotspots at the Andes and the Antarctic Peninsula or the convective hotspot during the thunderstorm season over the North American Great Plains. However, the high horizontal resolution of the AIRS observations also helped us to locate several smaller hotspots, which were partly unknown or poorly studied so far. Most of these smaller hotspots are found near orographic features like small mountain ranges, in coastal regions, in desert areas, or near isolated islands. This new study will help to select the most promising regions and seasons for future observational studies of gravity waves. Reference: Hoffmann, L., X. Xue, and M. J. Alexander, A global view of stratospheric gravity wave hotspots located with Atmospheric Infrared Sounder observations, J. Geophys. Res., 118, 416-434, doi:10.1029/2012JD018658, 2013.

The "Negative" Credit Card Effect: Credit Cards as Spending-Limiting Stimuli in New Zealand

Science.gov (United States)

Lie, Celia; Hunt, Maree; Peters, Heather L.; Veliu, Bahrie; Harper, David

2010-01-01

The "credit card effect" describes a finding where greater value is given to consumer items if credit card logos are present. One explanation for the effect is that credit cards elicit spending behavior through associative learning. If this is true, social, economic and historical contexts should alter this effect. In Experiment 1, Year…

Intertemporal consumption and credit constraints

DEFF Research Database (Denmark)

Leth-Petersen, Søren

2010-01-01

There is continuing controversy over the importance of credit constraints. This paper investigates whether total household expenditure and debt is affected by an exogenous increase in access to credit provided by a credit market reform that enabled Danish house owners to use housing equity...

Noise performance of microwave humidity sounders over their lifetime

Directory of Open Access Journals (Sweden)

I. Hans

2017-12-01

Full Text Available The microwave humidity sounders Special Sensor Microwave Water Vapor Profiler (SSMT-2, Advanced Microwave Sounding Unit-B (AMSU-B and Microwave Humidity Sounder (MHS to date have been providing data records for 25 years. So far, the data records lack uncertainty information essential for constructing consistent long time data series. In this study, we assess the quality of the recorded data with respect to the uncertainty caused by noise. We calculate the noise on the raw calibration counts from the deep space views (DSVs of the instrument and the noise equivalent differential temperature (NEΔT as a measure for the radiometer sensitivity. For this purpose, we use the Allan deviation that is not biased from an underlying varying mean of the data and that has been suggested only recently for application in atmospheric remote sensing. Moreover, we use the bias function related to the Allan deviation to infer the underlying spectrum of the noise. As examples, we investigate the noise spectrum in flight for some instruments. For the assessment of the noise evolution in time, we provide a descriptive and graphical overview of the calculated NEΔT over the life span of each instrument and channel. This overview can serve as an easily accessible information for users interested in the noise performance of a specific instrument, channel and time. Within the time evolution of the noise, we identify periods of instrumental degradation, which manifest themselves in an increasing NEΔT, and periods of erratic behaviour, which show sudden increases of NEΔT interrupting the overall smooth evolution of the noise. From this assessment and subsequent exclusion of the aforementioned periods, we present a chart showing available data records with NEΔT  <  1 K. Due to overlapping life spans of the instruments, these reduced data records still cover without gaps the time since 1994 and may therefore serve as a first step for constructing long time

Dynamic Diversification in Corporate Credit

DEFF Research Database (Denmark)

Christoffersen, Peter; Jacobs, Kris; Jin, Xisong

We characterize diversification in corporate credit using a new class of dynamic copula models which can capture dynamic dependence and asymmetry in large samples of firms. We also document important differences between credit spread and equity return dependence dynamics. Modeling a decade...... the crisis and remain high as well. The most important shocks to credit dependence occur in August of 2007 and in August of 2011, but interestingly these dates are not associated with significant changes to median credit spreads....

12 CFR 615.5172 - Production credit association and agricultural credit association investment in farmers' notes...

Science.gov (United States)

2010-01-01

... credit association investment in farmers' notes given to cooperatives and dealers. 615.5172 Section 615....5172 Production credit association and agricultural credit association investment in farmers' notes... farmers and ranchers eligible to borrow from such associations. (b) Such notes and other obligations...

Burnup credit in Spain

International Nuclear Information System (INIS)

Conde, J.M.; Recio, M.

2001-01-01

The status of development of burnup credit for criticality safety analyses in Spain is described in this paper. Ongoing activities in the country in this field, both national and international, are resumed. Burnup credit is currently being applied to wet storage of PWR fuel, and credit to integral burnable absorbers is given for BWR fuel storage. It is envisaged to apply burnup credit techniques to the new generation of transport casks now in the design phase. The analysis methodologies submitted for the analyses of PWR and BWR fuel wet storage are outlined. Analytical activities in the country are described, as well as international collaborations in this field. Perspectives for future research and development of new applications are finally resumed. (author)

Dual Credit Report

Science.gov (United States)

Light, Noreen

2016-01-01

In 2015, legislation to improve access to dual-credit programs and to reduce disparities in access and completion--particularly for low income and underrepresented students--was enacted. The new law focused on expanding access to College in the High School but acknowledged issues in other dual-credit programs and reinforced the notion that cost…

Limited take-up of health coverage tax credits: a challenge to future tax credit design.

Science.gov (United States)

Dorn, Stan; Varon, Janet; Pervez, Fouad

2005-10-01

The Trade Act of 2002 created federal tax credits to subsidize health coverage for certain early retirees and workers displaced by international trade. Though small, this program offers the opportunity to learn how to design future tax credits for larger groups of uninsured. During September 2004, the most recent month for which there are data about all forms of Trade Act credits, roughly 22 percent of eligible individuals received credits. The authors find that health insurance tax credits are more likely to reach their target populations if such credits: 1) limit premium costs for the low-income uninsured and do not require full premium payments while applications are pending; 2) provide access to coverage that beneficiaries value, including care for preexisting conditions; 3) are combined with outreach that uses easily understandable, multilingual materials and proactive enrollment efforts; and 4) feature a simple application process involving one form filed with one agency.

12 CFR 614.4125 - Funding and discount relationships between Farm Credit Banks or agricultural credit banks and...

Science.gov (United States)

2010-01-01

..., Risk Management, Farm Credit System Insurance Corporation. (f) A direct lender association shall... Administration office that the Chief Examiner designates, and the Director, Risk Management, Farm Credit System... Credit Banks or agricultural credit banks and direct lender associations. 614.4125 Section 614.4125 Banks...

AVOIDING RISK IN WORKING CAPITAL CREDIT DISTRIBUTION IN INDONESIA

Directory of Open Access Journals (Sweden)

Aloysius Deno Hervino

2011-09-01

Full Text Available This research analyzes risk avoidance behaviour of banking institutions in distributing working capital loan in Indonesia. Using Autoregressive Distributed Lag Error Correction Model, this paper uncovers three findings. First, in the short run, risk avoidance in working capital loan distribution depends on inter-call banking money market and Sertifikat Bank Indonesia. Second, following banking regulation after 1997 crisis, banks have become more careful in distributing credits, with SBI as a substitution instrument and inter-call banking money market as a complement instrument to spread the risk. Third, all explanatory variables take an average of 6 days or 1 week to influence bank’s risk avoidance behaviour.Keywords:     Risk avoidance, working capital distribution, banking institutions JEL classification numbers: C32, C52, D81, E51

Follow Up: Credit Card Caution

Science.gov (United States)

Cahill, Timothy P.

2007-01-01

In "Pushing Plastic," ("The New England Journal of Higher Education", Summer 2007), John Humphrey notes that many college administrators justify their credit card solicitations by suggesting that credit card access will help students learn to manage their own finances. Instead, credit card debt will teach thousands of students…

49 CFR 260.13 - Credit reform.

Science.gov (United States)

2010-10-01

... appropriations, direct payment of a Credit Risk Premium by the Applicant or a non-Federal infrastructure partner... 49 Transportation 4 2010-10-01 2010-10-01 false Credit reform. 260.13 Section 260.13... REHABILITATION AND IMPROVEMENT FINANCING PROGRAM Overview § 260.13 Credit reform. The Federal Credit Reform Act...

76 FR 79531 - Corporate Credit Unions

Science.gov (United States)

2011-12-22

... exclude CLF stock subscriptions, based on the asset's negligible credit risk and to facilitate corporate... removing paragraphs (c)(3) and (f)(4) and adding paragraph (h) to read as follows: Sec. 704.6 Credit risk... NATIONAL CREDIT UNION ADMINISTRATION 12 CFR Part 704 RIN 3133-AD95 Corporate Credit Unions AGENCY...

Your Credit Rights: An Instructional Unit on Consumer Credit Protection. Revised.

Science.gov (United States)

Jensen, Barbara J.; And Others

This instructional guide adds two new sections to the original guide published in May 1982. The guide was designed to assist educators in teaching the topics of consumer credit and consumer credit protection to secondary and postsecondary students in various economics and business courses, as well as in adult and community education courses. The…

HF doppler sounder measurements of the ionospheric signatures of small scale ULF waves

Directory of Open Access Journals (Sweden)

L. J. Baddeley

2005-07-01

Full Text Available An HF Doppler sounder, DOPE (DOppler Pulsation Experiment with three azimuthally-separated propagation paths is used to provide the first statistical examination of small scale-sized, high m waves where a direct measurement of the azimuthal wavenumber m, is made in the ionosphere. The study presents 27 events, predominantly in the post-noon sector. The majority of events are Pc4 waves with azimuthal m numbers ranging from –100 to –200, representing some of the smallest scale waves ever observed in the ionosphere. 4 Pc5 waves are observed in the post-noon sector. The fact that measurements for the wave azimuthal m number and the wave angular frequency are available allows the drift-bounce resonance condition to be used to hypothesise potential particle populations which could drive the waves through either a drift or drift-bounce resonance interaction mechanism. These results are compared with the statistical study presented by Baddeley et al. (2004 which investigated the statistical likelihood of such driving particle populations occurring in the magnetospheric ring current. The combination of these two studies indicates that any wave which requires a possible drift resonance interaction with particles of energies >60 keV, is statistically unlikely to be generated by such a mechanism. The evidence presented in this paper therefore suggests that in the pre-noon sector the drift-bounce resonance mechanism is statistically more likely implying an anti-symmetric standing wave structure while in the post-noon sector both a drift or drift-bounce resonance interaction is statistically possible, indicating both symmetric and anti-symmetric standing mode structures. A case study is also presented investigating simultaneous observations of a ULF wave in ground magnetometer and DOPE data. The event is in the lower m range of the statistical study and displays giant pulsation (Pg characteristics.

Keywords

HF doppler sounder measurements of the ionospheric signatures of small scale ULF waves

Directory of Open Access Journals (Sweden)

L. J. Baddeley

2005-07-01

Full Text Available An HF Doppler sounder, DOPE (DOppler Pulsation Experiment with three azimuthally-separated propagation paths is used to provide the first statistical examination of small scale-sized, high m waves where a direct measurement of the azimuthal wavenumber m, is made in the ionosphere. The study presents 27 events, predominantly in the post-noon sector. The majority of events are Pc4 waves with azimuthal m numbers ranging from –100 to –200, representing some of the smallest scale waves ever observed in the ionosphere. 4 Pc5 waves are observed in the post-noon sector. The fact that measurements for the wave azimuthal m number and the wave angular frequency are available allows the drift-bounce resonance condition to be used to hypothesise potential particle populations which could drive the waves through either a drift or drift-bounce resonance interaction mechanism. These results are compared with the statistical study presented by Baddeley et al. (2004 which investigated the statistical likelihood of such driving particle populations occurring in the magnetospheric ring current. The combination of these two studies indicates that any wave which requires a possible drift resonance interaction with particles of energies >60 keV, is statistically unlikely to be generated by such a mechanism. The evidence presented in this paper therefore suggests that in the pre-noon sector the drift-bounce resonance mechanism is statistically more likely implying an anti-symmetric standing wave structure while in the post-noon sector both a drift or drift-bounce resonance interaction is statistically possible, indicating both symmetric and anti-symmetric standing mode structures. A case study is also presented investigating simultaneous observations of a ULF wave in ground magnetometer and DOPE data. The event is in the lower m range of the statistical study and displays giant pulsation (Pg characteristics. Keywords. Ionosphere (Ionosphere

12 CFR 614.4720 - Letters of credit.

Science.gov (United States)

2010-01-01

... Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS Banks for Cooperatives and Agricultural Credit Banks Financing International Trade § 614.4720 Letters of credit. Banks for cooperatives and agricultural credit banks, under policies adopted by their boards of directors...

Optimal replenishment and credit policy in supply chain inventory model under two levels of trade credit with time- and credit-sensitive demand involving default risk

Science.gov (United States)

Mahata, Puspita; Mahata, Gour Chandra; Kumar De, Sujit

2018-03-01

Traditional supply chain inventory modes with trade credit usually only assumed that the up-stream suppliers offered the down-stream retailers a fixed credit period. However, in practice the retailers will also provide a credit period to customers to promote the market competition. In this paper, we formulate an optimal supply chain inventory model under two levels of trade credit policy with default risk consideration. Here, the demand is assumed to be credit-sensitive and increasing function of time. The major objective is to determine the retailer's optimal credit period and cycle time such that the total profit per unit time is maximized. The existence and uniqueness of the optimal solution to the presented model are examined, and an easy method is also shown to find the optimal inventory policies of the considered problem. Finally, numerical examples and sensitive analysis are presented to illustrate the developed model and to provide some managerial insights.

Extraction of Protein-Protein Interaction from Scientific Articles by Predicting Dominant Keywords.

Science.gov (United States)

Koyabu, Shun; Phan, Thi Thanh Thuy; Ohkawa, Takenao

2015-01-01

For the automatic extraction of protein-protein interaction information from scientific articles, a machine learning approach is useful. The classifier is generated from training data represented using several features to decide whether a protein pair in each sentence has an interaction. Such a specific keyword that is directly related to interaction as "bind" or "interact" plays an important role for training classifiers. We call it a dominant keyword that affects the capability of the classifier. Although it is important to identify the dominant keywords, whether a keyword is dominant depends on the context in which it occurs. Therefore, we propose a method for predicting whether a keyword is dominant for each instance. In this method, a keyword that derives imbalanced classification results is tentatively assumed to be a dominant keyword initially. Then the classifiers are separately trained from the instance with and without the assumed dominant keywords. The validity of the assumed dominant keyword is evaluated based on the classification results of the generated classifiers. The assumption is updated by the evaluation result. Repeating this process increases the prediction accuracy of the dominant keyword. Our experimental results using five corpora show the effectiveness of our proposed method with dominant keyword prediction.

Who Gets the Credit? Who Pays the Consequences? The Illinois Tuition Tax Credit. Special Report.

Science.gov (United States)

Pathak, Arohi; Keenan, Nancy

In 1999, Illinois enacted a tuition tax credit program. Tax credit supporters suggest tax credits help low-income students. However, opponents argue that they disproportionately benefit higher-income families whose children are already attending private schools and may decrease already limited resources available to public schools. New data from…

Forecasting the value of credit scoring

Science.gov (United States)

Saad, Shakila; Ahmad, Noryati; Jaffar, Maheran Mohd

2017-08-01

Nowadays, credit scoring system plays an important role in banking sector. This process is important in assessing the creditworthiness of customers requesting credit from banks or other financial institutions. Usually, the credit scoring is used when customers send the application for credit facilities. Based on the score from credit scoring, bank will be able to segregate the "good" clients from "bad" clients. However, in most cases the score is useful at that specific time only and cannot be used to forecast the credit worthiness of the same applicant after that. Hence, bank will not know if "good" clients will always be good all the time or "bad" clients may become "good" clients after certain time. To fill up the gap, this study proposes an equation to forecast the credit scoring of the potential borrowers at a certain time by using the historical score related to the assumption. The Mean Absolute Percentage Error (MAPE) is used to measure the accuracy of the forecast scoring. Result shows the forecast scoring is highly accurate as compared to actual credit scoring.

A keyword history of Marketing Science

NARCIS (Netherlands)

C.F. Mela (Carl); J.M.T. Roos (Jason); Y. Deng (Yanhui)

2013-01-01

textabstractThis paper considers the history of keywords used in Marketing Science to develop insights on the evolution of marketing science. Several findings emerge. First, "pricing" and "game theory" are the most ubiquitous words. More generally, the three C's and four P's predominate, suggesting

The Financial Turmoil and the Lessons from the Emerging World

International Development Research Centre (IDRC) Digital Library (Canada)

bbattisti

are comparable to those that followed the 1929 stock market crash. ... credit crunch in advanced economies so as to dampen the effects on the global economy ... The strategy based on sounder macro fundamentals and domestic institutions ...

CREDIT Performance Indicator Framework

DEFF Research Database (Denmark)

Frandsen, Anne Kathrine; Bertelsen, Niels Haldor; Haugbølle, Kim

2010-01-01

During the past two years the Nordic Baltic research project CREDIT (Construction and Real Estate – Developing Indicators for Transparency) has worked with the aim to improve transparency of value creation in building and real estate. One of the central deliverables of the CREDIT project was a fr......During the past two years the Nordic Baltic research project CREDIT (Construction and Real Estate – Developing Indicators for Transparency) has worked with the aim to improve transparency of value creation in building and real estate. One of the central deliverables of the CREDIT project...... was a framework of indicators relevant in building and real estate and applicable in the Nordic and Baltic countries as well as a proposal for a set of key indicators. The study resulting in CREDIT Performance Indicator Framework has been based on 28 case studies of evaluation practises in the building and real...... estate sector each addressing three interlinked levels: building/ projects level, company or enterprise level and benchmarking system level. Additionally it has been based on dialogue with researchers and professional organisation, international research and standardisation work and national building...

12 CFR 704.6 - Credit risk management.

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Credit risk management. 704.6 Section 704.6... CREDIT UNIONS § 704.6 Credit risk management. (a) Policies. A corporate credit union must operate according to a credit risk management policy that is commensurate with the investment risks and activities...

Automatic keywording of High Energy Physics

CERN Document Server

Dallman, David Peter

1999-01-01

Bibliographic databases were developed from the traditional library card catalogue in order to enable users to access library documents via various types of bibliographic information, such as title, author, series or conference date. In addition these catalogues sometimes contained some form of indexation by subject, such as the Universal (or Dewey) Decimal Classification used for books. With the introduction of the eprint archives, set up by the High Energy Physics (HEP) Community in the early 90s, huge collections of documents in several fields have been made available on the World Wide Web. These developments however have not yet been followed up from a keywording point of view. We will see in this paper how important it is to attribute keywords to all documents in the area of HEP Grey Literature. As libraries are facing a future with less and less manpower available and more and more documents, we will explore the possibility of being helped by automatic classification software. We will specifically menti...

Private Sector Credit and Inflation Volatility

Directory of Open Access Journals (Sweden)

Lorna Katusiime

2018-04-01

Full Text Available This paper investigates the effect of inflation volatility on private sector credit growth. The results indicate that private sector credit growth is positively linked to the one period lagged inflation volatility. Given that past monetary policy actions continue to affect the targeted variables due to the substantial lags in the transmission mechanism, the positive response of private sector credit growth to past inflation volatility suggests a credible monetary policy regime in Uganda, which has led to a reduction in the level of macroeconomic uncertainty and the restoration of favorable economic conditions and prospects, thus increasing the demand for credit. Further, the study finds that the lagged private sector credit growth, nominal exchange rate, and inflation have a statistically significant effect on private sector credit growth while financial innovation, interest rates, and GDP growth appear not to be important determinants of private sector credit growth. The robustness of our findings is confirmed by sensitivity checks.

12 CFR 619.9145 - Farm Credit Bank.

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Farm Credit Bank. 619.9145 Section 619.9145 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM DEFINITIONS § 619.9145 Farm Credit Bank. The term Farm Credit Bank refers to a bank resulting from the mandatory merger of the Federal land...

Scanning Mechanism of the FY-3 Microwave Humidity Sounder

Science.gov (United States)

Schmid, Manfred; Jing, Li; Hehr, Christian

2010-01-01

Astrium GmbH Germany, developed the scanning equipment for the instrument package of the MicroWave Humidity Sounder (MWHS) flying on the FY-3 meteorological satellite (FY means Feng Yun, Wind and Cloud) in a sun-synchronized orbit of 850-km altitude and at an inclination of 98.8 . The scanning mechanism rotates at variable velocity comprising several acceleration / deceleration phases during each revolution. The Scanning Mechanism contains two output shafts, each rotating a parabolic offset Antenna Reflector. The mechanism is operated in closed loop by means of redundant control electronics. MWHS is a sounding radiometer for measurement of global atmospheric water vapour profiles. An Engineering Qualification Model was developed and qualified and a first Flight Model was launched early 2008. The system is now working for more than two years successful in orbit. A second Flight Model of the Antenna Scanning Mechanism and of its associated control electronics was built and delivered to the customer for application on the follow-on spacecraft that will be launched by the end of 2010.

Patent Keyword Extraction Algorithm Based on Distributed Representation for Patent Classification

Directory of Open Access Journals (Sweden)

Jie Hu

2018-02-01

Full Text Available Many text mining tasks such as text retrieval, text summarization, and text comparisons depend on the extraction of representative keywords from the main text. Most existing keyword extraction algorithms are based on discrete bag-of-words type of word representation of the text. In this paper, we propose a patent keyword extraction algorithm (PKEA based on the distributed Skip-gram model for patent classification. We also develop a set of quantitative performance measures for keyword extraction evaluation based on information gain and cross-validation, based on Support Vector Machine (SVM classification, which are valuable when human-annotated keywords are not available. We used a standard benchmark dataset and a homemade patent dataset to evaluate the performance of PKEA. Our patent dataset includes 2500 patents from five distinct technological fields related to autonomous cars (GPS systems, lidar systems, object recognition systems, radar systems, and vehicle control systems. We compared our method with Frequency, Term Frequency-Inverse Document Frequency (TF-IDF, TextRank and Rapid Automatic Keyword Extraction (RAKE. The experimental results show that our proposed algorithm provides a promising way to extract keywords from patent texts for patent classification.

A unified framework for image retrieval using keyword and visual features.

Science.gov (United States)

Jing, Feng; Li, Mingling; Zhang, Hong-Jiang; Zhang, Bo

2005-07-01

In this paper, a unified image retrieval framework based on both keyword annotations and visual features is proposed. In this framework, a set of statistical models are built based on visual features of a small set of manually labeled images to represent semantic concepts and used to propagate keywords to other unlabeled images. These models are updated periodically when more images implicitly labeled by users become available through relevance feedback. In this sense, the keyword models serve the function of accumulation and memorization of knowledge learned from user-provided relevance feedback. Furthermore, two sets of effective and efficient similarity measures and relevance feedback schemes are proposed for query by keyword scenario and query by image example scenario, respectively. Keyword models are combined with visual features in these schemes. In particular, a new, entropy-based active learning strategy is introduced to improve the efficiency of relevance feedback for query by keyword. Furthermore, a new algorithm is proposed to estimate the keyword features of the search concept for query by image example. It is shown to be more appropriate than two existing relevance feedback algorithms. Experimental results demonstrate the effectiveness of the proposed framework.

Evaluation of an Automated Keywording System.

Science.gov (United States)

Malone, Linda C.; And Others

1990-01-01

Discussion of automated indexing techniques focuses on ways to statistically document improvements in the development of an automated keywording system over time. The system developed by the Joint Chiefs of Staff to automate the storage, categorization, and retrieval of information from military exercises is explained, and performance measures are…

CORRELATED ANALYSIS OF CLIENT-CREDIT COST WITH THE ONE OF SUPPLIER - CREDIT COST

Directory of Open Access Journals (Sweden)

MIRELA MONEA

2012-01-01

Full Text Available The given client-credit has associated several types of costs. If a company gives client-credit for a certain period of time, then it will have to finance its activity from other sources. Another aspect is the one related to the size of allotted sum. The sum that must be covered does not equal the turnover. The impact on financing the operating cycle is found usually only under the form of expenses which are made up of variable costs (because amortization must not be paid, the profit is included in the price. Thus, the sum which must be covered is not related to the non-cashed turnover from the client-credit, but only to variable costs. This will be the sum that must be covered from the financing sources. Supplier-credit is a source attracted, usually it has no cost.

Trade credit supply, market power and the matching of trade credit terms

NARCIS (Netherlands)

Fabbri, D.; Klapper, L.F.

2008-01-01

This paper studies the decision of firms to extend trade credit to customers and its relation with their financing decisions. We use a novel firm-level database with unique information on market power in both output and input markets and on the amount, terms and payment history of trade credit

Comparing the Hierarchy of Keywords in On-Line News Portals.

Science.gov (United States)

Tibély, Gergely; Sousa-Rodrigues, David; Pollner, Péter; Palla, Gergely

2016-01-01

Hierarchical organization is prevalent in networks representing a wide range of systems in nature and society. An important example is given by the tag hierarchies extracted from large on-line data repositories such as scientific publication archives, file sharing portals, blogs, on-line news portals, etc. The tagging of the stored objects with informative keywords in such repositories has become very common, and in most cases the tags on a given item are free words chosen by the authors independently. Therefore, the relations among keywords appearing in an on-line data repository are unknown in general. However, in most cases the topics and concepts described by these keywords are forming a latent hierarchy, with the more general topics and categories at the top, and more specialized ones at the bottom. There are several algorithms available for deducing this hierarchy from the statistical features of the keywords. In the present work we apply a recent, co-occurrence-based tag hierarchy extraction method to sets of keywords obtained from four different on-line news portals. The resulting hierarchies show substantial differences not just in the topics rendered as important (being at the top of the hierarchy) or of less interest (categorized low in the hierarchy), but also in the underlying network structure. This reveals discrepancies between the plausible keyword association frameworks in the studied news portals.

Comparing the Hierarchy of Keywords in On-Line News Portals.

Directory of Open Access Journals (Sweden)

Gergely Tibély

Full Text Available Hierarchical organization is prevalent in networks representing a wide range of systems in nature and society. An important example is given by the tag hierarchies extracted from large on-line data repositories such as scientific publication archives, file sharing portals, blogs, on-line news portals, etc. The tagging of the stored objects with informative keywords in such repositories has become very common, and in most cases the tags on a given item are free words chosen by the authors independently. Therefore, the relations among keywords appearing in an on-line data repository are unknown in general. However, in most cases the topics and concepts described by these keywords are forming a latent hierarchy, with the more general topics and categories at the top, and more specialized ones at the bottom. There are several algorithms available for deducing this hierarchy from the statistical features of the keywords. In the present work we apply a recent, co-occurrence-based tag hierarchy extraction method to sets of keywords obtained from four different on-line news portals. The resulting hierarchies show substantial differences not just in the topics rendered as important (being at the top of the hierarchy or of less interest (categorized low in the hierarchy, but also in the underlying network structure. This reveals discrepancies between the plausible keyword association frameworks in the studied news portals.

Satellite Sounder Data Assimilation for Improving Alaska Region Weather Forecast

Science.gov (United States)

Zhu, Jiang; Stevens, E.; Zavodsky, B. T.; Zhang, X.; Heinrichs, T.; Broderson, D.

2014-01-01

Data assimilation has been demonstrated very useful in improving both global and regional numerical weather prediction. Alaska has very coarser surface observation sites. On the other hand, it gets much more satellite overpass than lower 48 states. How to utilize satellite data to improve numerical prediction is one of hot topics among weather forecast community in Alaska. The Geographic Information Network of Alaska (GINA) at University of Alaska is conducting study on satellite data assimilation for WRF model. AIRS/CRIS sounder profile data are used to assimilate the initial condition for the customized regional WRF model (GINA-WRF model). Normalized standard deviation, RMSE, and correlation statistic analysis methods are applied to analyze one case of 48 hours forecasts and one month of 24-hour forecasts in order to evaluate the improvement of regional numerical model from Data assimilation. The final goal of the research is to provide improved real-time short-time forecast for Alaska regions.

Keywords in musical free improvisation

DEFF Research Database (Denmark)

Bergstrøm-Nielsen, Carl

2016-01-01

This article presents some keywords and concepts concerning free improvised music and its recent developments drawing from ongoing bibliographical research. A radical pluralism stems from musicians' backgrounds and the mixtures and fusions of styles and idioms resulting from these mixtures....... Seemingly very different "performance-driven" and "play-driven" attitudes exist, even among musicians who share the practice of performing at concerts. New models of musical analysis aiming specifically at free improvised music provide strategical observations of interaction and structure....

Did Globalization Influence Credit Market Deregulation

OpenAIRE

Eppinger, Peter; Potrafke, Niklas

2015-01-01

We investigate whether globalization influenced credit market deregulation over the period 1970-2010. Globalization is measured by the KOF indices of globalization. Credit market deregulation is measured by the credit market freedom indicators of the Fraser Institute. The results from both cross-sectional and panel regressions using ordinary least squares indicate a positive correlation between globalization and credit market deregulation. We account for reverse causality by using predicted t...

Service quality in consumer's credit branch

OpenAIRE

Blechová, Věra

2008-01-01

The diploma thesis deals with consumer's credit grants of banking and non-banking corporations and comparison of their service quality. The first part of research is dedicated to consumer's knowledge of credit issues. Second describes main difficulties of consumer's credit grants of banking and non-banking corporations and proves their use of unfair manners. The final part of thesis propose improvements, which will boost consumer's protection on field of consumer's credits.

The Impact of Cross-track Infrared Sounder (CrIS) Cloud-Cleared Radiances on Hurricane Joaquin (2015) and Matthew (2016) Forecasts

Science.gov (United States)

Wang, Pei; Li, Jun; Li, Zhenglong; Lim, Agnes H. N.; Li, Jinlong; Schmit, Timothy J.; Goldberg, Mitchell D.

2017-12-01

Hyperspectral infrared (IR) sounders provide high vertical resolution atmospheric sounding information that can improve the forecast skill in numerical weather prediction. Commonly, only clear radiances are assimilated, because IR sounder observations are highly affected by clouds. A cloud-clearing (CC) technique, which removes the cloud effects from an IR cloudy field of view (FOV) and derives the cloud-cleared radiances (CCRs) or clear-sky equivalent radiances, can be an alternative yet effective way to take advantage of the thermodynamic information from cloudy skies in data assimilation. This study develops a Visible Infrared Imaging Radiometer Suite (VIIRS)-based CC method for deriving Cross-track Infrared Sounder (CrIS) CCRs under partially cloudy conditions. Due to the lack of absorption bands on VIIRS, two important quality control steps are implemented in the CC process. Validation using VIIRS clear radiances indicates that the CC method can effectively obtain the CrIS CCRs for FOVs with partial cloud cover. To compare the impacts from assimilation of CrIS original radiances and CCRs, three experiments are carried out on two storm cases, Hurricane Joaquin (2015) and Hurricane Matthew (2016), using Gridpoint Statistical Interpolation assimilation system and Weather Research and Forecasting-Advanced Research Version models. At the analysis time, more CrIS observations are assimilated when using CrIS CCRs than with CrIS original radiances. Comparing temperature, specific humidity, and U/V winds with radiosondes indicates that the data impacts are growing larger with longer time forecasts (beyond 72 h forecast). Hurricane track forecasts also show improvements from the assimilation of CrIS CCRs due to better weather system forecasts. The impacts of CCRs on intensity are basically neutral with mixed positive and negative results.

Value of burnup credit beyond actinides

International Nuclear Information System (INIS)

Lancaster, D.; Fuentes, E.; Kang, Chi.

1997-01-01

DOE has submitted a topical report to the NRC justifying burnup credit based only on actinide isotopes (U-234, U-235, U-236, U-238, Pu-238, Pu-239, Pu-240, Pu-241, Pu-242, and Am-241). When this topical report is approved, it will allow a great deal of the commercial spent nuclear fuel to be transported in significantly higher capacity casks. A cost savings estimate for shipping fuel in 32 assembly (burnup credit) casks as opposed to 24 assembly (non-burnup credit) casks was previously presented. Since that time, more detailed calculations have been performed using the methodology presented in the Actinide-Only Burnup Credit Topical Report. Loading curves for derated casks have been generated using actinide-only burnup credit and are presented in this paper. The estimates of cost savings due to burnup credit for shipping fuel utilizing 32, 30, 28, and 24 assembly casks where only the 24 assembly cask does not burnup credit have been created and are discussed. 4 refs., 2 figs

Sound velocity from inverted echo sounders (IES) in the western Pacific Ocean from 1992-08-26 to 1993-03-22 (NODC Accession 9300159)

Data.gov (United States)

National Oceanic and Atmospheric Administration, Department of Commerce — This accession contains inverted echo sounder data collected from two stations in the western Pacific, TPW nominally @ 2S and 154E and TPE nominally @ 2S and 164E....

Exhortation toward assigning of keywords in free terms to papers by their authors

International Nuclear Information System (INIS)

Ebinuma, Yukio

1977-01-01

The features and the effective utilization of keywords are explained, and the prompt author-assigned keywords are desirable. What are the keywords is illustrated with two examples. The keywords have more detailed information than subject headings. A set of keywords express a gist of paper briefly and represent the contents of the paper approximately. The keywords can be selected easily because they are the arrangement of technical terms. The following effects are expected when the keywords are written together in papers: (1) the papers attract attention easily; (2) the circulation of the papers becomes wider and more exact; (3) the classification is made more accurately; (4) the indexes of subjects are easy to make; and (5) the keywords can be utilized for the administration of papers: The knowledge of assigning keywords is (1) to select meaningful words, (2) to use noun form, (3) to employ the terms having meaning as narrow as possible, (4) to use full spelling for the names of elements, nuclides, compounds and alloys, (5) to use only the abbreviations which are popular internationally, (6) to use only the compound words and phrases which are commonly used, (7) to take care not to omit words in selection because they are too natural, (8) to select about ten keywords, (9) to make a short sentence with the selected keywords, and (10) to adapt words, if any, which still perplex the author, within 15 keywords. The knowledge for instituting keyword system is that (1) the original authors of papers select keywords; (2) check-up must be required during initial one or two years for unifying expression; (3) keywords must be assigned to as many papers as possible, (4) keywords should be selected from headings and abstracts as a rule; (5) keywords are expressed in English and; (6) the prescription on keywords must be specified in the regulations and manuals for writing. (Iwakiri, K.)

12 CFR 619.9140 - Farm Credit bank(s).

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Farm Credit bank(s). 619.9140 Section 619.9140 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM DEFINITIONS § 619.9140 Farm Credit bank(s). Except as otherwise defined, the term Farm Credit bank(s) includes Farm Credit Banks...

Credit Cycle and Adverse Selection Effects in Consumer Credit Markets – Evidence from the HELOC Market

NARCIS (Netherlands)

Calem, P.; Cannon, M.; Nakamura, L.I.

2011-01-01

We empirically study how the underlying riskiness of the pool of home equity line of credit originations is affected over the credit cycle. Drawing from the largest existing database of U.S. home equity lines of credit, we use county-level aggregates of these loans to estimate panel regressions on

24 CFR 206.37 - Credit standing.

Science.gov (United States)

2010-04-01

... CONVERSION MORTGAGE INSURANCE Eligibility; Endorsement Eligible Mortgagors § 206.37 Credit standing. Each mortgagor must have a general credit standing satisfactory to the Secretary. ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Credit standing. 206.37 Section 206...

Global Change Master Directory (GCMD) Keywords and Their Applications in Earth Science Data Discovery

Science.gov (United States)

Aleman, A.

2017-12-01

This presentation will provide an overview and discussion of the Global Change Master Directory (GCMD) Keywords and their applications in Earth science data discovery. The GCMD Keywords are a hierarchical set of controlled keywords covering the Earth science disciplines, including: science keywords, service keywords, data centers, projects, location, data resolution, instruments and platforms. Controlled vocabularies (keywords) help users accurately, consistently and comprehensively categorize their data and also allow for the precise search and subsequent retrieval of data. The GCMD Keywords are a community resource and are developed collaboratively with input from various stakeholders, including GCMD staff, keyword users and metadata providers. The GCMD Keyword Landing Page and GCMD Keyword Community Forum provide access to keyword resources and an area for discussion of topics related to the GCMD Keywords. See https://earthdata.nasa.gov/about/gcmd/global-change-master-directory-gcmd-keywords

Community Involvement in Enhancing the Global Change Master Directory (GCMD) Controlled Vocabularies (Keywords)

Science.gov (United States)

Stevens, T.; Ritz, S.; Aleman, A.; Genazzio, M.; Morahan, M.; Wharton, S.

2016-01-01

NASA's Global Change Master Directory (GCMD) develops and expands a hierarchical set of controlled vocabularies (keywords) covering the Earth sciences and associated information (data centers, projects, platforms, instruments, etc.). The purpose of the keywords is to describe Earth science data and services in a consistent and comprehensive manner, allowing for the precise searching of metadata and subsequent retrieval of data and services. The keywords are accessible in a standardized SKOSRDFOWL representation and are used as an authoritative taxonomy, as a source for developing ontologies, and to search and access Earth Science data within online metadata catalogues. The keyword development approach involves: (1) receiving community suggestions, (2) triaging community suggestions, (3) evaluating the keywords against a set of criteria coordinated by the NASA ESDIS Standards Office, and (4) publication/notification of the keyword changes. This approach emphasizes community input, which helps ensure a high quality, normalized, and relevant keyword structure that will evolve with users changing needs. The Keyword Community Forum, which promotes a responsive, open, and transparent processes, is an area where users can discuss keyword topics and make suggestions for new keywords. The formalized approach could potentially be used as a model for keyword development.

78 FR 25101 - Credit Ratings Roundtable

Science.gov (United States)

2013-04-29

... SECURITIES AND EXCHANGE COMMISSION [Release No. 34-69433; File No. 4-661] Credit Ratings... examine issues in connection with the possibility of developing a credit rating assignment system. The... FURTHER INFORMATION CONTACT: Scott Davey at (212) 336-0075, Office of Credit Ratings, Securities and...

Keyword Extraction from Arabic Legal Texts

Science.gov (United States)

Rammal, Mahmoud; Bahsoun, Zeinab; Al Achkar Jabbour, Mona

2015-01-01

Purpose: The purpose of this paper is to apply local grammar (LG) to develop an indexing system which automatically extracts keywords from titles of Lebanese official journals. Design/methodology/approach: To build LG for our system, the first word that plays the determinant role in understanding the meaning of a title is analyzed and grouped as…

Agricultural Credit Discount Fund – Agribusiness support credit line - Macedonian experience

OpenAIRE

Kovachev, Goran

2012-01-01

The main objective of this study is to emphasize the importance of creating special governmental refinancing institutions targeted towards strategic economic sectors. Such institution in Macedonia is Agricultural Credit Discount Fund, a separate unit within the Macedonian Bank for Development Promotion that administers a credit line meant to support the agribusiness. As it is commonly known agriculture is one of the most important economic sectors of the country. The ACDF's 'modus operandi' i...

A Mechanism for Anonymous Credit Card Systems

Science.gov (United States)

Tamura, Shinsuke; Yanase, Tatsuro

This paper proposes a mechanism for anonymous credit card systems, in which each credit card holder can conceal individual transactions from the credit card company, while enabling the credit card company to calculate the total expenditures of transactions of individual card holders during specified periods, and to identify card holders who executed dishonest transactions. Based on three existing mechanisms, i.e. anonymous authentication, blind signature and secure statistical data gathering, together with implicit transaction links proposed here, the proposed mechanism enables development of anonymous credit card systems without assuming any absolutely trustworthy entity like tamper resistant devices or organizations faithful both to the credit card company and card holders.

75 FR 64785 - Corporate Credit Unions

Science.gov (United States)

2010-10-20

... management (ALM) and credit risk, and whether to make modifications in the area of corporate governance. NCUA... the revisions, an analysis of how the final investment, credit risk, and asset liability provisions..., credit risk, ALM, liquidity, and capital measures that together should greatly reduce the systemic risk...

12 CFR 706.2 - Unfair credit practices.

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Unfair credit practices. 706.2 Section 706.2 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING CREDIT UNIONS CREDIT... attachment, execution, or other process on real or personal property held, owned by, or due to the consumer...

Trade credit: Elusive insurance of firm growth

NARCIS (Netherlands)

Bams, Dennis; Bos, Jaap; Pisa, Magdalena

2016-01-01

Firms depend heavily on trade credit. This paper introduces a trade credit network into a structural model of the economy. In an empirical analysis of the model, we find that trade credit is an elusive insurance: as long as a firm is financially unconstrained and times are good, more trade credit

Automatic medical image annotation and keyword-based image retrieval using relevance feedback.

Science.gov (United States)

Ko, Byoung Chul; Lee, JiHyeon; Nam, Jae-Yeal

2012-08-01

This paper presents novel multiple keywords annotation for medical images, keyword-based medical image retrieval, and relevance feedback method for image retrieval for enhancing image retrieval performance. For semantic keyword annotation, this study proposes a novel medical image classification method combining local wavelet-based center symmetric-local binary patterns with random forests. For keyword-based image retrieval, our retrieval system use the confidence score that is assigned to each annotated keyword by combining probabilities of random forests with predefined body relation graph. To overcome the limitation of keyword-based image retrieval, we combine our image retrieval system with relevance feedback mechanism based on visual feature and pattern classifier. Compared with other annotation and relevance feedback algorithms, the proposed method shows both improved annotation performance and accurate retrieval results.

Modeling Cycle Dependence in Credit Insurance

Directory of Open Access Journals (Sweden)

Anisa Caja

2014-03-01

Full Text Available Business and credit cycles have an impact on credit insurance, as they do on other businesses. Nevertheless, in credit insurance, the impact of the systemic risk is even more important and can lead to major losses during a crisis. Because of this, the insurer surveils and manages policies almost continuously. The management actions it takes limit the consequences of a downturning cycle. However, the traditional modeling of economic capital does not take into account this important feature of credit insurance. This paper proposes a model aiming to estimate future losses of a credit insurance portfolio, while taking into account the insurer’s management actions. The model considers the capacity of the credit insurer to take on less risk in the case of a cycle downturn, but also the inverse, in the case of a cycle upturn; so, losses are predicted with a more dynamic perspective. According to our results, the economic capital is over-estimated when not considering the management actions of the insurer.

76 FR 24089 - Credit Risk Retention

Science.gov (United States)

2011-04-29

... 17 CFR Part 246 Department of Housing and Urban Development 24 CFR Part 267 Credit Risk Retention... 2501-AD53 Credit Risk Retention AGENCIES: Office of the Comptroller of the Currency, Treasury (OCC..., Commission, FHFA, and HUD (the Agencies) are proposing rules to implement the credit risk retention...

Rare Disasters and Credit Market Puzzles

DEFF Research Database (Denmark)

Christoffersen, Peter; Du, Du; Elkamhi, Redouane

to the real economy and not to bond prices can simultaneously explain several key empirical regularities in credit markets. Our model captures the empirical level and volatility of credit spreads, generates a flexible credit risk term structure, and provides a good fit to a century of observed spreads...

40 CFR 91.1307 - Credit calculation.

Science.gov (United States)

2010-07-01

... family in kW (sales weighted). The power of each configuration is the rated output in kilowatts as....1307 Credit calculation. For each participating engine family, emission credits (positive or negative... for an engine family whether generating positive or negative in-use emission credits: ER04oc96.053...

Toward a standard line for use in multibeam echo sounder calibration

Science.gov (United States)

Weber, Thomas C.; Rice, Glen; Smith, Michael

2018-06-01

A procedure is suggested in which a relative calibration for the intensity output of a multibeam echo sounder (MBES) can be performed. This procedure identifies a common survey line (i.e., a standard line), over which acoustic backscatter from the seafloor is collected with multiple MBES systems or by the same system multiple times. A location on the standard line which exhibits temporal stability in its seafloor backscatter response is used to bring the intensity output of the multiple MBES systems to a common reference. This relative calibration procedure has utility for MBES users wishing to generate an aggregate seafloor backscatter mosaic using multiple systems, revisiting an area to detect changes in substrate type, and comparing substrate types in the same general area but with different systems or different system settings. The calibration procedure is demonstrated using three different MBES systems over 3 different years in New Castle, NH, USA.

Impact of advanced technology microwave sounder data in the NCMRWF 4D-VAR data assimilation system

Science.gov (United States)

Rani, S. Indira; Srinivas, D.; Mallick, Swapan; George, John P.

2016-05-01

This study demonstrates the added benefits of assimilating the Advanced Technology Microwave Sounder (ATMS) radiances from the Suomi-NPP satellite in the NCMRWF Unified Model (NCUM). ATMS is a cross-track scanning microwave radiometer inherited the legacy of two very successful instrument namely, Advanced Microwave Sounding Unit-A (AMSU-A) and Microwave Humidity Sounder (MHS). ATMS has 22 channels: 11 temperature sounding channels around 50-60 GHz oxygen band and 6 moisture sounding channels around the 183GHz water vapour band in addition to 5 channels sensitive to the surface in clear conditions, or to water vapour, rain, and cloud when conditions are not clear (at 23, 31, 50, 51 and 89 GHz). Before operational assimilation of any new observation by NWP centres it is standard practice to assess data quality with respect to NWP model background (short-forecast) fields. Quality of all channels is estimated against the model background and the biases are computed and compared against that from the similar observations. The impact of the ATMS data on global analyses and forecasts is tested by adding the ATMS data in the NCUM Observation Processing system (OPS) and 4D-Var variational assimilation (VAR) system. This paper also discusses the pre-operational numerical experiments conducted to assess the impact of ATMS radiances in the NCUM assimilation system. It is noted that the performance of ATMS is stable and it contributes to the performance of the model, complimenting observations from other instruments.

Gene annotation from scientific literature using mappings between keyword systems.

Science.gov (United States)

Pérez, Antonio J; Perez-Iratxeta, Carolina; Bork, Peer; Thode, Guillermo; Andrade, Miguel A

2004-09-01

The description of genes in databases by keywords helps the non-specialist to quickly grasp the properties of a gene and increases the efficiency of computational tools that are applied to gene data (e.g. searching a gene database for sequences related to a particular biological process). However, the association of keywords to genes or protein sequences is a difficult process that ultimately implies examination of the literature related to a gene. To support this task, we present a procedure to derive keywords from the set of scientific abstracts related to a gene. Our system is based on the automated extraction of mappings between related terms from different databases using a model of fuzzy associations that can be applied with all generality to any pair of linked databases. We tested the system by annotating genes of the SWISS-PROT database with keywords derived from the abstracts linked to their entries (stored in the MEDLINE database of scientific references). The performance of the annotation procedure was much better for SWISS-PROT keywords (recall of 47%, precision of 68%) than for Gene Ontology terms (recall of 8%, precision of 67%). The algorithm can be publicly accessed and used for the annotation of sequences through a web server at http://www.bork.embl.de/kat

20 CFR 227.5 - Employer tax credits.

Science.gov (United States)

2010-04-01

... 20 Employees' Benefits 1 2010-04-01 2010-04-01 false Employer tax credits. 227.5 Section 227.5... SUPPLEMENTAL ANNUITIES § 227.5 Employer tax credits. Employers are entitled to tax credits if they pay non.... The tax credits for each month equal the sum of the reductions for employer pensions in the...

76 FR 34010 - Credit Risk Retention

Science.gov (United States)

2011-06-10

... 2501-AD53 Credit Risk Retention AGENCIES: Office of the Comptroller of the Currency, Treasury (OCC... credit risk retention requirements of section 15G of the Securities Exchange Act of 1934, as added by the Dodd-Frank Wall Street Reform and Consumer Protection Act (``Credit Risk NPR'' or ``proposed rule...

48 CFR 1632.607 - Tax credit.

Science.gov (United States)

2010-10-01

... 48 Federal Acquisition Regulations System 6 2010-10-01 2010-10-01 true Tax credit. 1632.607... 1632.607 Tax credit. FAR 32.607 has no practical application to FEHBP contracts. The statutory... may not offset debts to the Fund by a tax credit which is solely a Government obligation. ...

12 CFR 702.108 - Risk mitigation credit.

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Risk mitigation credit. 702.108 Section 702.108... CORRECTIVE ACTION Net Worth Classification § 702.108 Risk mitigation credit. (a) Who may apply. A credit union may apply for a risk mitigation credit if on any of the current or three preceding effective dates...

11 CFR 100.55 - Extension of credit.

Science.gov (United States)

2010-01-01

... substantially similar to extensions of credit to nonpolitical debtors that are of similar risk and size of... 11 Federal Elections 1 2010-01-01 2010-01-01 false Extension of credit. 100.55 Section 100.55... Contribution (2 U.S.C. 431(8)) § 100.55 Extension of credit. The extension of credit by any person is a...

Determinants of Banking Credit Default in Indonesia: A Comparative Analysis

Directory of Open Access Journals (Sweden)

Muhammad Imaduddin

2008-08-01

implied that the level of Islamic banking’s R-squared, R-bar-squared and DW values are good. Therefore, although Islamic banking is relatively a new comer in the Indonesian banking industry, it has shown a good performance in the banking credit risk management and can compete head-on with conventional banking, respectively.Keywords: Islamic Banking, Conventional Banking, Indonesia, Credit Default, and Time-Series Analysis

Identification of Critical Design Points for the EAP of a Space-based Doppler Lidar Wind Sounder

Science.gov (United States)

Emmitt, G. D.; Wood, S. A.

1992-01-01

The feasibility of making tropospheric wind measurements with a space-based Doppler lidar was studied by a number of agencies over the past 10-15 years. Currently NASA has a plan to launch such an instrument, the Laser Atmospheric Wind Sounder (LAWS), within the next decade. The design of the LAWS continues to undergo a series of iterations common to most instruments targeted for a space platform. In general, the constraints of available platform power, weight allowance, and project funds continue to change. With these changes the performance and design specifications also must change.

Credit in Acceptance Sampling on Attributes

NARCIS (Netherlands)

Klaassen, Chris A.J.

2000-01-01

Credit is introduced in acceptance sampling on attributes and a Credit Based Acceptance sampling system is developed that is very easy to apply in practice.The credit of a producer is defined as the total number of items accepted since the last rejection.In our sampling system the sample size for a

48 CFR 2132.607 - Tax credit.

Science.gov (United States)

2010-10-01

... 48 Federal Acquisition Regulations System 6 2010-10-01 2010-10-01 true Tax credit. 2132.607... Contract Debts 2132.607 Tax credit. FAR 32.607 has no practical application to FEGLI Program contracts. The... Government, contractors may not offset debts to the Fund by a tax credit that is solely a Government...

A Network Model of Credit Risk Contagion

Directory of Open Access Journals (Sweden)

Ting-Qiang Chen

2012-01-01

Full Text Available A network model of credit risk contagion is presented, in which the effect of behaviors of credit risk holders and the financial market regulators and the network structure are considered. By introducing the stochastic dominance theory, we discussed, respectively, the effect mechanisms of the degree of individual relationship, individual attitude to credit risk contagion, the individual ability to resist credit risk contagion, the monitoring strength of the financial market regulators, and the network structure on credit risk contagion. Then some derived and proofed propositions were verified through numerical simulations.

12 CFR 226.12 - Special credit card provisions.

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Special credit card provisions. 226.12 Section... SYSTEM TRUTH IN LENDING (REGULATION Z) Open-End Credit § 226.12 Special credit card provisions. (a) Issuance of credit cards. Regardless of the purpose for which a credit card is to be used, including...

76 FR 54991 - Corporate Credit Unions

Science.gov (United States)

2011-09-06

... believes the credit risk of carrying this asset is negligible and warrants such treatment, as CLF stock is... credit union excludes the consolidated assets of such programs from risk-weighted assets pursuant to... paragraphs (c)(3) and (f)(4) and adding new p(h) to read as follows: Sec. 704.6 Credit risk management...

Is There a Standard Default Keyword Operator? A Bibliometric Analysis of Processing Options Chosen by Libraries To Execute Keyword Searches in Online Public Access Catalogs.

Science.gov (United States)

Klein, Gary M.

1994-01-01

Online public access catalogs from 67 libraries using NOTIS software were searched using Internet connections to determine the positional operators selected as the default keyword operator on each catalog. Results indicate the lack of a processing standard for keyword searches. Five tables provide information. (Author/AEF)

Mammography screening credit card and compliance.

Science.gov (United States)

Schapira, D V; Kumar, N B; Clark, R A; Yag, C

1992-07-15

Screening for breast cancer using mammography has been shown to be effective in reducing mortality from breast cancer. The authors attempted to determine if use of a wallet-size plastic screening "credit" card would increase participants' compliance for subsequent mammograms when compared with traditional methods of increasing compliance. Two hundred and twenty consecutive women, ages 40-70 years, undergoing their first screening mammography were recruited and assigned randomly to four groups receiving (1) a reminder plastic credit card (2) reminder credit card with written reminder; (3) appointment card; and (4) verbal recommendation. Return rates of the four groups were determined after 15 months. The return rate for subsequent mammograms was significantly higher for participants (72.4%) using the credit card than for participants (39.8%) exposed to traditional encouragement/reminders (P less than 0.0001). The credit card was designed to show the participant's screening anniversary, and the durability of the card may have been a factor in increasing the return rate. The use of reminder credit cards may increase compliance for periodic screening examinations for other cancers and other chronic diseases.

Path Index Based Keywords to SPARQL Query Transformation for Semantic Data Federations

Directory of Open Access Journals (Sweden)

Thilini Cooray

2016-06-01

Full Text Available Semantic web is a highly emerging research domain. Enhancing the ability of keyword query processing on Semantic Web data provides a huge support for familiarizing the usefulness of Semantic Web to the general public. Most of the existing approaches focus on just user keyword matching to RDF graphs and output the connecting elements as results. Semantic Web consists of SPARQL query language which can process queries more accurately and efficiently than general keyword matching. There are only about a couple of approaches available for transforming keyword queries to SPARQL. They basically rely on real time graph traversals? for identifying subgraphs which can connect user keywords. Those approaches are either limited to query processing on a single data store or a set of interlinked data sets. They have not focused on query processing on a federation of independent data sets which belongs to the same domain. This research proposes a Path Index based approach eliminating real time graph traversal for transforming keyword queries to SPARQL. We have introduced an ontology alignment based approach for keyword query transforming on a federation of RDF data stored using multiple heterogeneous vocabularies. Evaluation shows that the proposed approach have the ability to generate SPARQL queries which can provide highly relevant results for user keyword queries. The Path Index based query transformation approach has also achieved high efficiency compared to the existing approach.

27 CFR 46.223 - Tax credit.

Science.gov (United States)

2010-04-01

... 27 Alcohol, Tobacco Products and Firearms 2 2010-04-01 2010-04-01 false Tax credit. 46.223 Section... for Sale on April 1, 2009 Tax Liability Calculation § 46.223 Tax credit. The dealer is allowed a credit of up to $500 against the total floor stocks tax. However, controlled groups are eligible for only...

Indian Kisan Credit Card Scheme: An Analytical Study

Directory of Open Access Journals (Sweden)

Dharmendra Mehta

2016-03-01

Full Text Available Kisan Credit Card (KCC has now been regarded as the only medium of short-term credit for agriculture. The Kisan Credit Card (KCC scheme was introduced by the Finance Minister in his budget speech in the year 1998-99. From the year 1998-99, the scheme was implemented by public sector commercial banks, RRBs (Regional Rural Banks and cooperative banks in the country. It has emerged as an innovative credit distribution system to meet the production credit requirements of the farmers in a timely and easy manner. The present paper is aimed to study role of Kisan Credit Card in the rural credit facilitation in India.

Joint Top-K Spatial Keyword Query Processing

DEFF Research Database (Denmark)

Wu, Dinming; Yiu, Man Lung; Cong, Gao

2012-01-01

keyword queries. Empirical studies show that the proposed solution is efficient on real data sets. We also offer analytical studies on synthetic data sets to demonstrate the efficiency of the proposed solution. Index Terms IEEE Terms Electronic mail , Google , Indexes , Joints , Mobile communication...

THE COOPERATIVE CREDIT MUTUAL IN BRAZIL.

Directory of Open Access Journals (Sweden)

Laércio Baptista da Silva

2013-06-01

Full Text Available This study presents an analysis of the reality of credit unions in Brazil, in view of the singular importance of credit unions for the whole society as an alternative to private resources in favor of members of the community where they are located. It confirms that, in Brazil, the mutual credit unions, besides being presented as one of the viable options within the financial system, are also seen as an alternative by which some sectors of society promote the humanization of the financial system by offering credit and return on capital with fairer interest rates.

Solar tax credits: the U.S. experience

International Nuclear Information System (INIS)

Sallmen Smith, L.J.

1990-01-01

From 1978 to 1985, the U.S. Federal government used income tax credits to induce taxpayers to purchase residential solar energy devices. These credits resulted in a significant number of households installing solar devices during the credit period but subsequently devastated the solar industry. Numerous structural problems with the credits and the failure to address important issues in the legislation led to this result. (Author)

Information Sharing and Credit Rationing : Evidence from the Introduction of a Public Credit Registry

NARCIS (Netherlands)

Cheng, X.; Degryse, H.A.

2010-01-01

We provide the first evidence on how the introduction of information sharing via a public credit registry affects banks’ lending decisions. We employ a unique dataset containing detailed information on credit card applications and decisions from one of the leading banks in China. While we do not

49 CFR 536.8 - Conditions for trading of credits.

Science.gov (United States)

2010-10-01

... 49 Transportation 6 2010-10-01 2010-10-01 false Conditions for trading of credits. 536.8 Section... SAFETY ADMINISTRATION, DEPARTMENT OF TRANSPORTATION TRANSFER AND TRADING OF FUEL ECONOMY CREDITS § 536.8 Conditions for trading of credits. (a) Trading of credits. If a credit holder wishes to trade credits to...

17 CFR 256.255 - Accumulated deferred investment tax credits.

Science.gov (United States)

2010-04-01

... investment tax credits. 256.255 Section 256.255 Commodity and Securities Exchanges SECURITIES AND EXCHANGE... investment tax credits. (a) This account shall be credited and account 411.5, Investment tax credit, debited with investment tax credits deferred by companies which do not apply such credits as a reduction of the...

Credit scoring analysis using weighted k nearest neighbor

Science.gov (United States)

Mukid, M. A.; Widiharih, T.; Rusgiyono, A.; Prahutama, A.

2018-05-01

Credit scoring is a quatitative method to evaluate the credit risk of loan applications. Both statistical methods and artificial intelligence are often used by credit analysts to help them decide whether the applicants are worthy of credit. These methods aim to predict future behavior in terms of credit risk based on past experience of customers with similar characteristics. This paper reviews the weighted k nearest neighbor (WKNN) method for credit assessment by considering the use of some kernels. We use credit data from a private bank in Indonesia. The result shows that the Gaussian kernel and rectangular kernel have a better performance based on the value of percentage corrected classified whose value is 82.4% respectively.

Keyword extraction by nonextensivity measure.

Science.gov (United States)

Mehri, Ali; Darooneh, Amir H

2011-05-01

The presence of a long-range correlation in the spatial distribution of a relevant word type, in spite of random occurrences of an irrelevant word type, is an important feature of human-written texts. We classify the correlation between the occurrences of words by nonextensive statistical mechanics for the word-ranking process. In particular, we look at the nonextensivity parameter as an alternative metric to measure the spatial correlation in the text, from which the words may be ranked in terms of this measure. Finally, we compare different methods for keyword extraction. © 2011 American Physical Society

An approach for discovering keywords from Spanish tweets using Wikipedia

Directory of Open Access Journals (Sweden)

Daniel AYALA

2016-05-01

Full Text Available Most approaches to keywords discovery when analyzing microblogging messages (among them those from Twitter are based on statistical and lexical information about the words that compose the text. The lack of context in the short messages can be problematic due to the low co-occurrence of words. In this paper, we present a new approach for keywords discovering from Spanish tweets based on the addition of context information using Wikipedia as a knowledge base. We present four different ways to use Wikipedia and two ways to rank the new keywords. We have tested these strategies using more than 60000 Spanish tweets, measuring performance and analyzing particularities of each strategy.

Do Internet Credit Markets Improve Access to Credit for Female Business Owners?

OpenAIRE

Barasinska, Nataliya; Schäfer, Dorothea

2010-01-01

Business owners and founders are a minority of any bank's business clients. Scientific studies of traditional credit markets often show a lower probability of loan approval or higher loan costs for female business owners compared to male business owners. With this background the question arises whether female business owners have to struggle with this problem less on Internet credit markets. In this current study, DIW Berlin investigated business loans on the largest German Internet platform,...

Credit demand in Mozambican manufacturing

DEFF Research Database (Denmark)

Byiers, Bruce; Rand, John; Tarp, Finn

2010-01-01

This paper uses two industrial firm surveys to identify the key determinants of credit demand in Mozambican manufacturing. We construct five different measures of being credit constrained and estimate desired debt demand. Besides firm size and ownership structure, we find evidence that general...

A neural network model for credit risk evaluation.

Science.gov (United States)

Khashman, Adnan

2009-08-01

Credit scoring is one of the key analytical techniques in credit risk evaluation which has been an active research area in financial risk management. This paper presents a credit risk evaluation system that uses a neural network model based on the back propagation learning algorithm. We train and implement the neural network to decide whether to approve or reject a credit application, using seven learning schemes and real world credit applications from the Australian credit approval datasets. A comparison of the system performance under the different learning schemes is provided, furthermore, we compare the performance of two neural networks; with one and two hidden layers following the ideal learning scheme. Experimental results suggest that neural networks can be effectively used in automatic processing of credit applications.

76 FR 16235 - Corporate Credit Unions, Technical Corrections

Science.gov (United States)

2011-03-23

... inadvertently included particular investments that did not--when subject to the other credit risk and asset... NATIONAL CREDIT UNION ADMINISTRATION 12 CFR Part 707 RIN 3133-AD58 Corporate Credit Unions, Technical Corrections AGENCY: National Credit Union Administration (NCUA). ACTION: Final rule. SUMMARY: In...

Airborne Deployment and Calibration of Microwave Atmospheric Sounder on 6U CubeSat

Science.gov (United States)

Padmanabhan, S.; Brown, S. T.; Lim, B.; Kangaslahti, P.; Russell, D.; Stachnik, R. A.

2015-12-01

To accurately predict how the distribution of extreme events may change in the future we need to understand the mechanisms that influence such events in our current climate. Our current observing system is not well-suited for observing extreme events globally due to the sparse sampling and in-homogeneity of ground-based in-situ observations and the infrequent revisit time of satellite observations. Observations of weather extremes, such as extreme precipitation events, temperature extremes, tropical and extra-tropical cyclones among others, with temporal resolution on the order of minutes and spatial resolution on the order of few kms (cost passive microwave sounding and imaging sensors on CubeSats that would work in concert with traditional flagship observational systems, such as those manifested on large environmental satellites (i.e. JPSS,WSF,GCOM-W), to monitor weather extremes. A 118/183 GHz sensor would enable observations of temperature and precipitation extremes over land and ocean as well as tropical and extra-tropical cyclones. This proposed project would enable low cost, compact radiometer instrumentation at 118 and 183 GHz that would fit in a 6U Cubesat with the objective of mass-producing this design to enable a suite of small satellites to image the key geophysical parameters needed to improve prediction of extreme weather events. We take advantage of past and current technology developments at JPL viz. HAMSR (High Altitude Microwave Scanning Radiometer), Advanced Component Technology (ACT'08) to enable low-mass, low-power high frequency airborne radiometers. In this paper, we will describe the design and implementation of the 118 GHz temperature sounder and 183 GHz humidity sounder on the 6U CubeSat. In addition, we will discuss the maiden airborne deployment of the instrument during the Plain Elevated Convection at Night (PECAN) experiment. The successful demonstration of this instrument on the 6U CubeSat would pave the way for the development of a

Acquired Credit Unions: Drivers of Takeover

Directory of Open Access Journals (Sweden)

R. Raymond Sant

2015-08-01

Full Text Available In this paper we study acquired credit unions and analyze their financial performance up to six years prior to merger, on a quarterly basis. The primary focus is on balance sheet (asset liability management and profitability variables (return on assets. We find that acquired credit unions during the period 2008 (third quarter to 2014 (first quarter experienced negative return on assets for several quarters prior to their takeover. This was the result of a declining loan portfolio and increasing charge offs. In spite of decreasing lending activity, such credit unions continued to increase their deposits, i.e., adding to their cost base. Due to declining loans, their net interest margin as a proportion of deposits was also in decline. We argue that this is an indicator of poor management ability. Furthermore, our analysis finds that operating expenses were increasing over time, something that has been documented in previous literature also for smaller credit unions and is attributable to lack of economies of scale. The average asset size of the acquired credit unions in our sample is about $22 million just before acquisition. We attribute our findings to poor business strategy followed by such credit unions. We also conclude that signs of trouble are evident up to two years before merger on average and regulatory policy may have to become more proactive to manage the consolidation challenge faced by the credit union industry in general.

Materialism and credit card use by college students.

Science.gov (United States)

Pinto, M B; Parente, D H; Palmer, T S

2000-04-01

Much has been written in the popular press on credit card use and spending patterns of American college students. The proliferation of credit cards and their ease of acquisition ensure that students today have more opportunities for making more credit purchases than any other generation of college students. Little is known about the relationship between students' attitudes towards materialism and their use of credit cards. A study was conducted at three college campuses in the northeastern part of the United States where a total of 1,022 students were surveyed. Students' attitudes toward use of credit and their credit card balances were evaluated relative to their scores on Richins and Dawson's Materialism Scale (1992). Our findings suggest no significant difference between those individuals scoring high versus low on the Materialism Scale in terms of the number of credit cards owned and the average balance owed. Individuals high on materialism, however, significantly differed in terms of their uses for credit cards and their general attitude toward their use.

Transitive Credit and JSON-LD

Directory of Open Access Journals (Sweden)

Daniel S. Katz

2015-11-01

Full Text Available Science and engineering research increasingly relies on activities that facilitate research but are not currently rewarded or recognized, such as: data sharing; developing common data resources, software and methodologies; and annotating data and publications. To promote and advance these activities, we must develop mechanisms for assigning credit, facilitate the appropriate attribution of research outcomes, devise incentives for activities that facilitate research, and allocate funds to maximize return on investment. In this article, we focus on addressing the issue of assigning credit for both direct and indirect contributions, specifically by using JSON-LD to implement a prototype transitive credit system.

12 CFR 614.4040 - Production credit associations.

Science.gov (United States)

2010-01-01

..., membership, term, amount, loan security, and stock or participation certificate requirements of the... Section 614.4040 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS Lending Authorities § 614.4040 Production credit associations. (a) Loan terms. (1) Production...

Developing emission reduction credit trading in Texas

International Nuclear Information System (INIS)

Dodds, J.E.

1993-01-01

The Texas Air Control Board has begun to develop a system of emission reduction credit training. The system will be developed incrementally over time. The first step, banking of VOC and NO x Emission Reduction Credits, began March 15, 1993. Additional programs under study and development include NO x RACT trading, emission credits for motor vehicle scrappage and alternative fuel conversion, and establishment of community organizations to generate and acquire emission reduction credits for economic development purposes

Credit scoring analysis using kernel discriminant

Science.gov (United States)

Widiharih, T.; Mukid, M. A.; Mustafid

2018-05-01

Credit scoring model is an important tool for reducing the risk of wrong decisions when granting credit facilities to applicants. This paper investigate the performance of kernel discriminant model in assessing customer credit risk. Kernel discriminant analysis is a non- parametric method which means that it does not require any assumptions about the probability distribution of the input. The main ingredient is a kernel that allows an efficient computation of Fisher discriminant. We use several kernel such as normal, epanechnikov, biweight, and triweight. The models accuracy was compared each other using data from a financial institution in Indonesia. The results show that kernel discriminant can be an alternative method that can be used to determine who is eligible for a credit loan. In the data we use, it shows that a normal kernel is relevant to be selected for credit scoring using kernel discriminant model. Sensitivity and specificity reach to 0.5556 and 0.5488 respectively.

IMPLICATIONS OF CREDIT RISK TRANSFER ON BANK PERFORMANCES

Directory of Open Access Journals (Sweden)

Victoria COCIUG

2015-07-01

Full Text Available The impact of the financial crisis has demonstrated the fragility of the banking sector and the need to implement new technologies that would allow not only insurance against the most important credit risk - credit risk, but development of lending segment. In such conditions, transfer of credit risk is an efficient and actual way to diversify the banks exposure for credit risk by the presence of those who are willing to take on some of this risk. Taking of credit risk can be achieved through credit derivatives, securitization and sale of loans, being selected the most advantageous technique for the bank. The current situation of the national banking sector requires solving the problem of bad loans, which, unfortunately, are increasing, by implementing new techniques for credit risk management according with EU directives.

Measuring Credit Capacity on Danish Farms Using DEA

DEFF Research Database (Denmark)

Friis Pedersen, Michael; Vesterlund Olsen, Jakob

2013-01-01

have important implications for risk management practice, investment and technology adoption and related policy issues. The method is limited by the possibility of strategic behavior of lenders during credit cycle busts. In credit cycle booms, the method gives a good basis for the estimates of change...... in credit reserves. Practical implications: In a period of increasing credit reserves, risk management institutions are unlikely to develop. Like agricultural policy, access to credit may crowd out market-based risk management. Originality/value: The study represents a novel application and interpretation......Purpose:The purpose of this paper is to introduce a novel measure of access to credit suited to estimate the relative change in credit reserves. Design/methodology/approach: A debt possibility frontier is estimated using data envelopment analysis and the Malmquist index is calculated. The Malmquist...

Title, Description, and Subject are the Most Important Metadata Fields for Keyword Discoverability

Directory of Open Access Journals (Sweden)

Laura Costello

2016-09-01

Full Text Available A Review of: Yang, L. (2016. Metadata effectiveness in internet discovery: An analysis of digital collection metadata elements and internet search engine keywords. College & Research Libraries, 77(1, 7-19. http://doi.org/10.5860/crl.77.1.7 Objective – To determine which metadata elements best facilitate discovery of digital collections. Design – Case study. Setting – A public research university serving over 32,000 graduate and undergraduate students in the Southwestern United States of America. Subjects – A sample of 22,559 keyword searches leading to the institution’s digital repository between August 1, 2013, and July 31, 2014. Methods – The author used Google Analytics to analyze 73,341 visits to the institution’s digital repository. He determined that 22,559 of these visits were due to keyword searches. Using Random Integer Generator, the author identified a random sample of 378 keyword searches. The author then matched the keywords with the Dublin Core and VRA Core metadata elements on the landing page in the digital repository to determine which metadata field had drawn the keyword searcher to that particular page. Many of these keywords matched to more than one metadata field, so the author also analyzed the metadata elements that generated unique keyword hits and those fields that were frequently matched together. Main Results – Title was the most matched metadata field with 279 matched keywords from searches. Description and Subject were also significant fields with 208 and 79 matches respectively. Slightly more than half of the results, 195 keywords, matched the institutional repository in one field only. Both Title and Description had significant match rates both independently and in conjunction with other elements, but Subject keywords were the sole match in only three of the sampled cases. Conclusion – The Dublin Core elements of Title, Description, and Subject were the most frequently matched fields in keyword

Credit-Card Bill Seeks to Protect Students but Could Limit Their Access to Credit

Science.gov (United States)

Field, Kelly

2009-01-01

Congress passed legislation last week that would shield students and other consumers from sudden spikes in interest rates and fees, but that could make it harder for young people to access credit to pay for college. The legislation would extend broad new consumer protections to all credit-card holders, offering special protections to college…

Reexamining the Relationship between Verbal Knowledge Background and Keyword Training for Vocabulary Acquisition

Science.gov (United States)

Hogben; Lawson

1997-07-01

The literature on keyword training presents a confusing picture of the usefulness of the keyword method for foreign language vocabulary learning by students with strong verbal knowledge backgrounds. This paper reviews research which notes the existence of conflicting sets of findings concerning the verbal background-keyword training relationship and presents the results of analyses which argue against the assertion made by McDaniel and Pressley (1984) that keyword training will have minimal effect on students with high verbal ability. Findings from regression analyses of data from two studies did not show that the relationship between keyword training and immediate recall performance was moderated by verbal knowledge background. The disparate sets of findings related to the keyword training-verbal knowledge relationship and themes emerging from other research suggest that this relationship requires further examination.

STATE CREDIT RATING MARK: PRESENT DOMESTIC REALITIES

OpenAIRE

Kovalko, N. M.

2017-01-01

The article discusses the problematic aspects of credit ratings and ranking. The economic and legal aspects of ranking relations are addressed. It is concluded that a low credit standing of Ukraine is a sign of our country’s low debt sustainability.It is proved that both for Ukraine and for economically developed countries, the issue of credit ratings is quite important, and at times problematic. The issue is related to the development of the national and international financial credit resour...

Rare disasters, credit, and option market puzzles

DEFF Research Database (Denmark)

Christoffersen, Peter; Du, Du; Elkamhi, Redouane

2017-01-01

calibrated to the real economy can simultaneously explain several key empirical regularities in equity, credit, and options markets. Our model captures the empirical level and volatility of credit spreads, generates a flexible credit risk term structure, and provides a good fit to a century of observed...

40 CFR 1033.715 - Banking emission credits.

Science.gov (United States)

2010-07-01

... 40 Protection of Environment 32 2010-07-01 2010-07-01 false Banking emission credits. 1033.715... CONTROLS CONTROL OF EMISSIONS FROM LOCOMOTIVES Averaging, Banking, and Trading for Certification § 1033.715 Banking emission credits. (a) Banking is the retention of emission credits by the manufacturer...

25 CFR 140.23 - Credit at trader's risk.

Science.gov (United States)

2010-04-01

... 25 Indians 1 2010-04-01 2010-04-01 false Credit at trader's risk. 140.23 Section 140.23 Indians....23 Credit at trader's risk. Credit given Indians will be at the trader's own risk, as no assistance... accept pawns or pledges of personal property by Indians to obtain credit or loans. ...

Quantitative analysis of the evolution of novelty in cinema through crowdsourced keywords.

Science.gov (United States)

Sreenivasan, Sameet

2013-09-26

The generation of novelty is central to any creative endeavor. Novelty generation and the relationship between novelty and individual hedonic value have long been subjects of study in social psychology. However, few studies have utilized large-scale datasets to quantitatively investigate these issues. Here we consider the domain of American cinema and explore these questions using a database of films spanning a 70 year period. We use crowdsourced keywords from the Internet Movie Database as a window into the contents of films, and prescribe novelty scores for each film based on occurrence probabilities of individual keywords and keyword-pairs. These scores provide revealing insights into the dynamics of novelty in cinema. We investigate how novelty influences the revenue generated by a film, and find a relationship that resembles the Wundt-Berlyne curve. We also study the statistics of keyword occurrence and the aggregate distribution of keywords over a 100 year period.

CoPub: a literature-based keyword enrichment tool for microarray data analysis.

Science.gov (United States)

Frijters, Raoul; Heupers, Bart; van Beek, Pieter; Bouwhuis, Maurice; van Schaik, René; de Vlieg, Jacob; Polman, Jan; Alkema, Wynand

2008-07-01

Medline is a rich information source, from which links between genes and keywords describing biological processes, pathways, drugs, pathologies and diseases can be extracted. We developed a publicly available tool called CoPub that uses the information in the Medline database for the biological interpretation of microarray data. CoPub allows batch input of multiple human, mouse or rat genes and produces lists of keywords from several biomedical thesauri that are significantly correlated with the set of input genes. These lists link to Medline abstracts in which the co-occurring input genes and correlated keywords are highlighted. Furthermore, CoPub can graphically visualize differentially expressed genes and over-represented keywords in a network, providing detailed insight in the relationships between genes and keywords, and revealing the most influential genes as highly connected hubs. CoPub is freely accessible at http://services.nbic.nl/cgi-bin/copub/CoPub.pl.

A Novel Model for Lattice-Based Authorized Searchable Encryption with Special Keyword

Directory of Open Access Journals (Sweden)

Fugeng Zeng

2015-01-01

Full Text Available Data stored in the cloud servers, keyword search, and access controls are two important capabilities which should be supported. Public-keyword encryption with keyword search (PEKS and attribute based encryption (ABE are corresponding solutions. Meanwhile, as we step into postquantum era, pairing related assumption is fragile. Lattice is an ideal choice for building secure encryption scheme against quantum attack. Based on this, we propose the first mathematical model for lattice-based authorized searchable encryption. Data owners can sort the ciphertext by specific keywords such as time; data users satisfying the access control hand the trapdoor generated with the keyword to the cloud sever; the cloud sever sends back the corresponding ciphertext. The security of our schemes is based on the worst-case hardness on lattices, called learning with errors (LWE assumption. In addition, our scheme achieves attribute-hiding, which could protect the sensitive information of data user.

Does ownership structure improve credit ratings?

Directory of Open Access Journals (Sweden)

Aws AlHares

2018-04-01

Full Text Available This study seeks to examine the impact of Block Ownership structure on Credit Ratings in OECD countries. This research seeks to contribute to the extant literature by exploring the effects of Corporate Governance (CG mechanisms on corporate credit ratings. The study uses a panel data of 200 companies from Anglo American and European countries between 2010 and 2014. The ordinary least square regression is used to examine the relationships. Additionally, to alleviate the concern of potential endogeneity, we use fixed effect regression, two-stage least squares using instrumental variables. The results show there is a negative and significant relationship between block ownership and credit ratings, with a greater significance among Anglo American countries than among European countries. The rationale for this is that Anglo-American system gives preferential treatment to individual shareholders and its accounting tradition leads to a decline in risk and increase in credit ratings. The result is consistent with the multi-theoretical framework predictions derived from the agency and stewardship theories. Future research could investigate credit ratings using other credit rating agencies, selecting a larger sample that includes small, mid-size and large companies. This paper extends, as well as contributes to extant CG literature by offering new evidence on the effect of block ownership on credit ratings between two different traditions. This will be explored by employing firm-level CG mechanisms by accounting for control variables. The findings will help regulators and policymakers in OECD countries in evaluating the adequacy of current CG reforms to prevent management misconduct and scandals.

Where am I? Location archetype keyword extraction from urban mobility patterns.

Science.gov (United States)

Kostakos, Vassilis; Juntunen, Tomi; Goncalves, Jorge; Hosio, Simo; Ojala, Timo

2013-01-01

Can online behaviour be used as a proxy for studying urban mobility? The increasing availability of digital mobility traces has provided new insights into collective human behaviour. Mobility datasets have been shown to be an accurate proxy for daily behaviour and social patterns, and behavioural data from Twitter has been used to predict real world phenomena such as cinema ticket sale volumes, stock prices, and disease outbreaks. In this paper we correlate city-scale urban traffic patterns with online search trends to uncover keywords describing the pedestrian traffic location. By analysing a 3-year mobility dataset we show that our approach, called Location Archetype Keyword Extraction (LAKE), is capable of uncovering semantically relevant keywords for describing a location. Our findings demonstrate an overarching relationship between online and offline collective behaviour, and allow for advancing analysis of community-level behaviour by using online search keywords as a practical behaviour proxy.

MTG infrared sounder detection chain: first radiometric test results

Science.gov (United States)

Dumestier, D.; Pistone, F.; Dartois, T.; Blazquez, E.

2017-11-01

Europe's next fleet of geostationary meteorological satellites, MeteoSat Third Generation, will introduce new functions in addition to continuity of high-resolution meteorological data. The atmosphere Infrared Sounder (IRS), as high -end instrument, is part of this challenging program. IRS principle is a Fourier Transform Interferometer, which allows recomposing atmospheric spectrum after infrared photons detection. Transmission spectrums will be used to support numerical weather prediction. IRS instrument is able to offer full disk coverage in one hour, an on-ground resolution of 4 by 4 km, in two spectral bands (MWIR: 1600 to 2175cm-1 and LWIR: 700 to 1210cm-1) with a spectral resolution of 0.6cm-1. Among critical technologies and processes, IRS detection chain shall offer outstanding characteristics in terms of radiometric performance like Signal to Noise Ratio (SNR), dynamic range and linearity. Selected detectors are HgCdTe two-dimensions arrays, cooled at 55 Kelvins, hybridized on snapshot silicon read-out circuit at 160x160 format. Video electronics present 16 bits resolution, and the whole detection chain (Detectors and electronics) permits to reach SNR between 2 000 and 10 000 as requested by the application. Radiometric onground test results performed on design representative detection chains are presented and are confirming the challenging phase A design choices.

12 CFR 614.4010 - Agricultural credit banks.

Science.gov (United States)

2010-01-01

...) of this chapter, for the export (including the cost of freight) of agricultural commodities or... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Agricultural credit banks. 614.4010 Section 614.4010 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS...

Credit card spending limit and personal finance: system dynamics approach

Directory of Open Access Journals (Sweden)

Mirjana Pejić Bach

2014-03-01

Full Text Available Credit cards have become one of the major ways for conducting cashless transactions. However, they have a long term impact on the well being of their owner through the debt generated by credit card usage. Credit card issuers approve high credit limits to credit card owners, thereby influencing their credit burden. A system dynamics model has been used to model behavior of a credit card owner in different scenarios according to the size of a credit limit. Experiments with the model demonstrated that a higher credit limit approved on the credit card decreases the budget available for spending in the long run. This is a contribution toward the evaluation of action for credit limit control based on their consequences.

An Anonymous Credit Card System

Science.gov (United States)

Androulaki, Elli; Bellovin, Steven

Credit cards have many important benefits; however, these same benefits often carry with them many privacy concerns. In particular, the need for users to be able to monitor their own transactions, as well as bank’s need to justify its payment requests from cardholders, entitle the latter to maintain a detailed log of all transactions its credit card customers were involved in. A bank can thus build a profile of each cardholder even without the latter’s consent. In this paper, we present a practical and accountable anonymous credit system based on ecash, with a privacy preserving mechanism for error correction and expense-reporting.

Thermal Band Atmospheric Correction Using Atmospheric Profiles Derived from Global Positioning System Radio Occultation and the Atmospheric Infrared Sounder

Science.gov (United States)

Pagnutti, Mary; Holekamp, Kara; Stewart, Randy; Vaughan, Ronald D.

2006-01-01

This Rapid Prototyping Capability study explores the potential to use atmospheric profiles derived from GPS (Global Positioning System) radio occultation measurements and by AIRS (Atmospheric Infrared Sounder) onboard the Aqua satellite to improve surface temperature retrieval from remotely sensed thermal imagery. This study demonstrates an example of a cross-cutting decision support technology whereby NASA data or models are shown to improve a wide number of observation systems or models. The ability to use one data source to improve others will be critical to the GEOSS (Global Earth Observation System of Systems) where a large number of potentially useful systems will require auxiliary datasets as input for decision support. Atmospheric correction of thermal imagery decouples TOA radiance and separates surface emission from atmospheric emission and absorption. Surface temperature can then be estimated from the surface emission with knowledge of its emissivity. Traditionally, radiosonde sounders or atmospheric models based on radiosonde sounders, such as the NOAA (National Oceanic & Atmospheric Administration) ARL (Air Resources Laboratory) READY (Real-time Environmental Application and Display sYstem), provide the atmospheric profiles required to perform atmospheric correction. Unfortunately, these types of data are too spatially sparse and too infrequently taken. The advent of high accuracy, global coverage, atmospheric data using GPS radio occultation and AIRS may provide a new avenue for filling data input gaps. In this study, AIRS and GPS radio occultation derived atmospheric profiles from the German Aerospace Center CHAMP (CHAllenging Minisatellite Payload), the Argentinean Commission on Space Activities SAC-C (Satellite de Aplicaciones Cientificas-C), and the pair of NASA GRACE (Gravity Recovery and Climate Experiment) satellites are used as input data in atmospheric radiative transport modeling based on the MODTRAN (MODerate resolution atmospheric

Tuition Tax Credits. Issuegram 19.

Science.gov (United States)

Augenblick, John; McGuire, Kent

Approaches for using the federal income tax system to aid families of pupils attending private schools include: tax credits, tax deductions, tax deferrals, and education savings incentives. Tax credit structures can be made refundable and made sensitive to taxpayers' income levels, the level of education expenditures, and designated costs.…

College credit for in-house training

International Nuclear Information System (INIS)

Reilly, K.; Getty, C.; Knief, R.

1981-01-01

The Program on Non-Collegiate Sponsored Instruction (PONSI) and similar organizations may be of considerable help to the industry to the extent that college credit can be awarded for certain activities in reactor site training programs. The credit recommendations generally may be used at local colleges. They also may be applied (along with credit for college-level activities such as correspondence and on-campus courses, proficiency testing, and other evaluations) to degrees granted by the Regent's External Degree Program (REX) and other organizations. This paper describes the principle features of the PONSI and REX programs. PONSI's first credit evaluation at a nuclear plant - Consolidated Edison's Indian Point 2 - is summarized. Recent proposals for an explicit nuclear degree through REX are also described briefly

Securitization, Credit Rating and Issuers’ Characteristics

Directory of Open Access Journals (Sweden)

Mauricio Palmada Fernandes

2014-01-01

Full Text Available Given the growth of securitization through Credit Receivables Investment Funds (Fundos de Investimento em Direitos Creditórios - FIDCs in Brazil in recent years, this work aims to investigate empirically the relationship between securitization and credit rating in the Brazilian market. All issues of FIDCs held by banks and registered in the CVM from 2005 to July 2010 were analyzed. The two hypotheses discussed by Gorton and Souleles (2005 were confirmed to Brazilian financial institutions. There is evidence of an implied contract between the transferor companies and investors in securitizations made via FIDCs. Companies with higher credit risk, worst ratings, tend to securitize more. However no relationship was found between securitization and asset value, amount of loans or capital ratio.

49 CFR 260.15 - Credit risk premium.

Science.gov (United States)

2010-10-01

... 49 Transportation 4 2010-10-01 2010-10-01 false Credit risk premium. 260.15 Section 260.15... REHABILITATION AND IMPROVEMENT FINANCING PROGRAM Overview § 260.15 Credit risk premium. (a) Where available... pay to the Administrator a Credit Risk Premium adequate to cover that portion of the subsidy cost not...

Consumer Credit: Evidence from Italian Micro Data

NARCIS (Netherlands)

Hochguertel, S.; Alessie, R.; Weber, G.

2005-01-01

In this paper we analyse unique data on credit applications received by the leading provider of consumer credit in Italy (Findomestic). The data set covers a five-year period (1995-1999) during which the consumer credit market rapidly expanded in Italy and a new law (the usury law) came into force

Credit scores, cardiovascular disease risk, and human capital.

Science.gov (United States)

Israel, Salomon; Caspi, Avshalom; Belsky, Daniel W; Harrington, HonaLee; Hogan, Sean; Houts, Renate; Ramrakha, Sandhya; Sanders, Seth; Poulton, Richie; Moffitt, Terrie E

2014-12-02

Credit scores are the most widely used instruments to assess whether or not a person is a financial risk. Credit scoring has been so successful that it has expanded beyond lending and into our everyday lives, even to inform how insurers evaluate our health. The pervasive application of credit scoring has outpaced knowledge about why credit scores are such useful indicators of individual behavior. Here we test if the same factors that lead to poor credit scores also lead to poor health. Following the Dunedin (New Zealand) Longitudinal Study cohort of 1,037 study members, we examined the association between credit scores and cardiovascular disease risk and the underlying factors that account for this association. We find that credit scores are negatively correlated with cardiovascular disease risk. Variation in household income was not sufficient to account for this association. Rather, individual differences in human capital factors—educational attainment, cognitive ability, and self-control—predicted both credit scores and cardiovascular disease risk and accounted for ∼45% of the correlation between credit scores and cardiovascular disease risk. Tracing human capital factors back to their childhood antecedents revealed that the characteristic attitudes, behaviors, and competencies children develop in their first decade of life account for a significant portion (∼22%) of the link between credit scores and cardiovascular disease risk at midlife. We discuss the implications of these findings for policy debates about data privacy, financial literacy, and early childhood interventions.

Lending and Credit Monitoring Principles

Directory of Open Access Journals (Sweden)

Viorica IOAN

2012-11-01

Full Text Available The results of a bank’s activities depend to a significant extent on the quality of the credit portfolio that it holds, as well as on the credit tracking and control system. The purpose and functioning of such inter-banking systems differs from one bank to another. Loans require an increasingly efficient type of internal surveillance of activity. Following the clients’ behavior and performances, as well as their entire activity is a particularly important phase and absolutely necessary in the course of a loan. The purpose of this activity is, generally, that of identifying, as early as possible, of clues about any problems that may appear during the course of the loan, so as to make possible, as early as can be, the taking of remedial measures with a view to anticipate the deterioration of the loan’s debt. An open communication between the bank and the loan’s beneficiary is an essential condition for an efficient tracking program. Another basic element is the rigorous and complete filling out of the credit papers. The credit files are the backbone of the of the loan monitoring process because these contain all of the documents which may offer to the credit officer, accounting expert, as well as other interested parties a permanent, chronological record of the loan relation.

Quantitative analysis of the evolution of novelty in cinema through crowdsourced keywords

Science.gov (United States)

Sreenivasan, Sameet

2013-01-01

The generation of novelty is central to any creative endeavor. Novelty generation and the relationship between novelty and individual hedonic value have long been subjects of study in social psychology. However, few studies have utilized large-scale datasets to quantitatively investigate these issues. Here we consider the domain of American cinema and explore these questions using a database of films spanning a 70 year period. We use crowdsourced keywords from the Internet Movie Database as a window into the contents of films, and prescribe novelty scores for each film based on occurrence probabilities of individual keywords and keyword-pairs. These scores provide revealing insights into the dynamics of novelty in cinema. We investigate how novelty influences the revenue generated by a film, and find a relationship that resembles the Wundt-Berlyne curve. We also study the statistics of keyword occurrence and the aggregate distribution of keywords over a 100 year period. PMID:24067890

Robust keyword retrieval method for OCRed text

Science.gov (United States)

Fujii, Yusaku; Takebe, Hiroaki; Tanaka, Hiroshi; Hotta, Yoshinobu

2011-01-01

Document management systems have become important because of the growing popularity of electronic filing of documents and scanning of books, magazines, manuals, etc., through a scanner or a digital camera, for storage or reading on a PC or an electronic book. Text information acquired by optical character recognition (OCR) is usually added to the electronic documents for document retrieval. Since texts generated by OCR generally include character recognition errors, robust retrieval methods have been introduced to overcome this problem. In this paper, we propose a retrieval method that is robust against both character segmentation and recognition errors. In the proposed method, the insertion of noise characters and dropping of characters in the keyword retrieval enables robustness against character segmentation errors, and character substitution in the keyword of the recognition candidate for each character in OCR or any other character enables robustness against character recognition errors. The recall rate of the proposed method was 15% higher than that of the conventional method. However, the precision rate was 64% lower.

Study on the Impact of the Private Credit Excess on the Credit Risk under the Massive Capital Inflows Risk under the Massive Capital Inflows

Directory of Open Access Journals (Sweden)

Jong-Hee Kim

2016-09-01

Full Text Available By examining the relationship between private credit growth and the possibility of credit risk while focusing on international capital in 21 countries over the period 2000:1Q-2015:2Q, this paper shows that the impact of private credit growth on credit risk is apparent under the high ratio of capital inflows, and its impact on credit risk in the seven Asian countries is even stronger. And the possibility of credit risk caused by private credit is mainly coming from portfolio inflows rather than direct inflows. Finally, portfolio inflows strengthen the positive relationship between credit excess and credit risk in Asian countries, and this trend is seen more in these after the global financial crisis. Taken together, the stronger positive relationship between credit excess and credit risk can be strengthen under the massive portfolio inflows in particular in the seven Asian countries such as Hong Kong, India, Indonesia, Korea, Malaysia, Singapore, and Thailand.

Where am I? Location archetype keyword extraction from urban mobility patterns.

Directory of Open Access Journals (Sweden)

Vassilis Kostakos

Full Text Available Can online behaviour be used as a proxy for studying urban mobility? The increasing availability of digital mobility traces has provided new insights into collective human behaviour. Mobility datasets have been shown to be an accurate proxy for daily behaviour and social patterns, and behavioural data from Twitter has been used to predict real world phenomena such as cinema ticket sale volumes, stock prices, and disease outbreaks. In this paper we correlate city-scale urban traffic patterns with online search trends to uncover keywords describing the pedestrian traffic location. By analysing a 3-year mobility dataset we show that our approach, called Location Archetype Keyword Extraction (LAKE, is capable of uncovering semantically relevant keywords for describing a location. Our findings demonstrate an overarching relationship between online and offline collective behaviour, and allow for advancing analysis of community-level behaviour by using online search keywords as a practical behaviour proxy.

CREDIT RATIONING AND SME DEVELOPMENT IN BOTSWANA ...

African Journals Online (AJOL)

None

have the negative effect of stifling the growth of potential firms, thereby .... credit market may explain the credit rationing behaviour of banks to ... derive policy implications to enhance access to bank credit by SMEs. 4. ..... The main challenges to SMEs identified by the study were non-payment of outstanding ... This decision is.

Credit Rationing Effects of Credit Value-at-Risk

NARCIS (Netherlands)

J.F. Slijkerman; D.J.C. Smant (David); C.G. de Vries (Casper)

2004-01-01

textabstractBanks provide risky loans to firms which have superior information regarding the quality of their projects. Due to asymmetric information the banks face the risk of adverse selection. Credit Value-at-Risk (CVaR) regulation counters the problem of low quality, i.e. high risk, loans and

Trade Credit Insurance and Asymmetric Information Problem

Directory of Open Access Journals (Sweden)

Sokolovska Olena

2017-03-01

Full Text Available The presence of different risk factors in international trade gives evidence of the necessity of support in gaps that may affect exporters’ activity. To maximize the trade volumes and in the same time to minimize the exporters’ risks the stakeholders use trade credit insurance. The paper provides analysis of conceptual background of the trade credit insurance in the world. We analyzed briefly the problems, arising in insurance markets due to asymmetric information, such as adverse selection and moral hazard. Also we discuss the main stages of development of trade credit insurance in countries worldwide. Using comparative and graphical analysis we provide a brief evaluation of the dynamics of claims and recoveries for different forms of trade credit insurance. We found that the claims related to the commercial risk for medium and long trade credits in recent years exceed the recoveries, while with the political risk the reverse trend holds. And we originally consider these findings in terms of information asymmetry in the trade credit insurance differentiated by type of risk.

5 CFR 610.408 - Use of credit hours.

Science.gov (United States)

2010-01-01

... Flexible and Compressed Work Schedules § 610.408 Use of credit hours. Members of the Senior Executive Service (SES) may not accumulate credit hours under an alternative work schedule. Any credit hours...

Methodology of Credit Analysis Development

Directory of Open Access Journals (Sweden)

Slađana Neogradi

2017-12-01

Full Text Available The subject of research presented in this paper refers to the definition of methodology for the development of credit analysis in companies and its application in lending operations in the Republic of Serbia. With the developing credit market, there is a growing need for a well-developed risk and loss prevention system. In the introduction the process of bank analysis of the loan applicant is presented in order to minimize and manage the credit risk. By examining the subject matter, the process of processing the credit application is described, the procedure of analyzing the financial statements in order to get an insight into the borrower's creditworthiness. In the second part of the paper, the theoretical and methodological framework is presented applied in the concrete company. In the third part, models are presented which banks should use to protect against exposure to risks, i.e. their goal is to reduce losses on loan operations in our country, as well as to adjust to market conditions in an optimal way.

CONTINGENCIES FOR MEASUREMENT OF THE CREDIT RISK

Directory of Open Access Journals (Sweden)

Marinela BARBULESCU

2015-12-01

Full Text Available The Global Financial Crisis, which affected various banks, some of them very important banks, highlighted the importance of an accurate credit risk measurement in order to be able to overcome it. There are a variety of such credit risk measurement models, so we can say that banks face a real dilemma when having to choose the most appropriate one. The aim of this paper is to examine the most popular methods used to measure the credit risk and to identify the strengths and the weaknesses of each one of it. The research was accomplished from a double perspective, in which the conceptual methodological approach is correlated to a variety of references to practical actions aiming the measurement and the prevention of credit risk. The study includes the presentation of the objectives of credit risk analysis, the most appropriate moments for doing such an analysis, the steps that have to be done in order to measure the credit risk, the errors that can overcome in the credit risk measurement system, generated by the misclassifications of the studied company, and the presentation of the specific information of financial creditors. The findings expressed in this paper were mainly the result of a qualitative analysis which showed that there is no best model for credit risk measurement, each one having both strengths and weaknesses, some providing a comprehensive analysis of the individual customer’s financial strength others allowing banks permanently monitor fluctuating default risk and identify the possibly problems at an early stage.

Is credit for early action credible early action?

International Nuclear Information System (INIS)

Rolfe, C.; Michaelowa, A.; Dutschke, M.

1999-12-01

Credit for early action as a tool for greenhouse gas emissions reduction is compared with various market instruments as a means of narrowing the gap between projected emissions and those of the Kyoto Protocol. Market instruments work by creating a market price for emissions and use the market to encourage reductions at the lowest price, which is done by placing limits on greenhouse gas emissions and allowing the market to decide where reductions occur, or by imposing a carbon tax or emissions charge. While they can be applied within a sector, they are usually used to encourage reductions throughout the economy or across large sectors. Credit for early action also creates an incentive for emissions reductions throughout the economy or at least across many sectors. Credit for early action tools do not work by either imposing a carbon tax or emissions charge or placing limits on emissions, rather they promise that entities that take action against greenhouse gases prior to the imposition of a carbon tax or emissions limits will receive a credit against future taxes or limits. An overview is provided of the Kyoto Protocol and the rationale for taking early action, and a review is included of the theory and specific proposals for market instruments and credit for early action. A comparative analysis is provided of these approaches by examining their relative efficiency, environmental effectiveness, and impacts on the redistribution of wealth. Credit for early action is viewed as problematic on a number of counts and is seen as an interim strategy for imposition while political support for market instruments develop. The environmental effectiveness of credit for early action is very difficult to predict, and credit for early action programs do not yield the lowest cost emissions reductions. Credit for early action programs will not achieve compliance with the Kyoto Protocol at the lowest cost, and credits for early action will increase the compliance costs for those who

Store Security. Credit Card Fraud.

Science.gov (United States)

Brockway, Jerry

The manual, intended for use by adults and not in the high school classroom situation, presents material directed toward assisting in the reduction of credit card crime. This teaching guide is organized in three sections which deal with the nature of and major reasons for credit card fraud, the types of hot card runners, and methods of reducing…

An endogenous model of the credit network

Science.gov (United States)

He, Jianmin; Sui, Xin; Li, Shouwei

2016-01-01

In this paper, an endogenous credit network model of firm-bank agents is constructed. The model describes the endogenous formation of firm-firm, firm-bank and bank-bank credit relationships. By means of simulations, the model is capable of showing some obvious similarities with empirical evidence found by other scholars: the upper-tail of firm size distribution can be well fitted with a power-law; the bank size distribution can be lognormally distributed with a power-law tail; the bank in-degrees of the interbank credit network as well as the firm-bank credit network fall into two-power-law distributions.

A dynamic model of unsecured credit

OpenAIRE

Daniel R. Sanches

2010-01-01

The author studies the terms of credit in a competitive market in which sellers (lenders) are willing to repeatedly finance the purchases of buyers (borrowers) by engaging in a credit relationship. The key frictions are: (i) the lender is unable to observe the borrower's ability to repay a loan; (ii) the borrower cannot commit to any long-term contract; (iii) it is costly for the lender to contact a borrower and to walk away from a contract; and (iv) transactions within each credit relationsh...

Issues for effective implementation of burnup credit

International Nuclear Information System (INIS)

Parks, C.V.; Wagner, J.C.

2001-01-01

In the United States, burnup credit has been used in the criticality safety evaluation for storage pools at pressurized water reactors (PWRs) and considerable work has been performed to lay the foundation for use of burnup credit in dry storage and transport cask applications and permanent disposal applications. Many of the technical issues related to the basic physics phenomena and parameters of importance are similar in each of these applications. However, the nuclear fuel cycle in the United States has never been fully integrated and the implementation of burnup credit to each of these applications is dependent somewhat on the specific safety bases developed over the history of each operational area. This paper will briefly review the implementation status of burnup credit for each application area and explore some of the remaining issues associated with effective implementation of burnup credit. (author)

The Dilemmas over Credit Policy Management in a Company

Directory of Open Access Journals (Sweden)

Maria Gorczyńska

2013-11-01

Full Text Available Purpose of the article: The paper identifies the core dilemmas over the establishment of the credit policy in a company. It considers the general scope and basic stages of credit policy management and analyses each stage of credit policy in terms of decisive aspects. The main areas of concerns are discussed within the settlement of credit policy and its implementation with regard to the model of optimal credit policy. Scientific aim: The paper aims at constructing a unified model of issues rising dilemmas while setting and implementing the credit policy management. It also aims at identifying core decisive problems in each of these fields and at providing a structured questions framework. Methodology/methods: The paper is based on conceptual analysis and deduction of the literature and general review of issues related to credit policy management. It containts autors’ own view on the problems included in each stage of credit policy management. Findings: Credit policy management is a subject for numerous dilemmas. The main areas of concerns are related to: the decision about the goal of credit policy managemet with regard to its restrictiveness, the settlement of credit policy with regard to elements of credit policy, and finally the implementation with regard to the risk of bad debts occurrence. Conclusions: (limits, implications etc The establishment of credit policy in a company requires to balance contrary interests and thus involves wide variety of issues to be considered. The presented model of decisive problems might be applied in each company regardless to their size.

Credit risk assessment: Evidence from banking industry

Directory of Open Access Journals (Sweden)

Hassan Ghodrati

2014-08-01

Full Text Available Measuring different risk factors such as credit risk in banking industry has been an interesting area of studies. The artificial neural network is a nonparametric method developed to succeed for measuring credit risk and this method is applied to measure the credit risk. This research’s neural network follows back propagation paradigm, which enables it to use historical data for predicting future values with very good out of sample fitting. Macroeconomic variables including GDP, exchange rate, inflation rate, stock price index, and M2 are used to forecast credit risk for two Iranian banks; namely Saderat and Sarmayeh over the period 2007-2011. Research data are being tested for ADF and Causality Granger tests before entering the ANN to achieve the best lag structure for the research model. MSE and R values for the developed ANN in this research respectively are 86×〖10〗^(-4 and 0.9885, respectively. The results showed that ANN was able to predict banks’ credit risk with low error. Sensibility analyses which has accomplished on this research’s ANN corroborates that M2 has the highest effect on the ANN’s credit risk and should be considered as an additional leading indicator by Iran’s banking authorities. These matters confirm validation of macroeconomic notions in Iran’s credit systematic risk.

Phase Change Material for Temperature Control of Imager or Sounder on GOES Type Satellites in GEO

Science.gov (United States)

Choi, Michael K.

2014-01-01

This paper uses phase change material (PCM) in the scan cavity of an imager or sounder on satellites in geostationary orbit (GEO) to maintain the telescope temperature stable. When sunlight enters the scan aperture, solar heating causes the PCM to melt. When sunlight stops entering the scan aperture, the PCM releases the thermal energy stored to keep the components in the telescope warm. It has no moving parts or bimetallic springs. It reduces heater power required to make up the heat lost by radiation to space through the aperture. It is an attractive thermal control option to a radiator with a louver and a sunshade.

WHAT INFLUENCE CREDIT CARD DEBTS IN YOUNG CONSUMERS IN MALAYSIA

OpenAIRE

Syed Shah ALAM; Ruzita Abdul RAHIM; Ridhwanul HAQ; Atiqur Rahman KHAN

2014-01-01

This paper examines empirically antecedents of the credit card debts in young consumers in Malaysia. We examine whether easy access to credit card, credit card related knowledge, aggressive promotion by credit card industry, low minimum payment requirement and attitude towards credit cards influence credit card debts in the younger generation. Regression model was used to meet the objectives. These findings based on a sample of 240 young credit card holders, show that the factors that affect ...

Correlates of credit card ownership in men and women.

Science.gov (United States)

Yang, Bijou; Lester, David

2005-06-01

In a sample of 352 students, correlates of credit card ownership differed by sex. For both men and women, credit card ownership was predicted by their affective attitude toward credit cards. However, whereas for men concern with money as a tactic for gaining power predicted credit card ownership, for women feelings of insecurity about having sufficient money and having a conservative approach to money predicted credit card ownership.

Credit risk identification and suggestions of electricity market

Science.gov (United States)

He, Chuan; Wang, Haichao; Chen, Zhongyuan; Hao, Yuxing; Jiang, Hailong; Qian, Hanhan; Wang, Meibao

2018-03-01

The power industry has a long history of credit problems, and the power industry has credit problems such as power users defaulting on electricity bills before the new electricity reform. With the reform of the power system, the credit problems in the power industry will be more complicated. How to effectively avoid the risk factors existing in the course of market operation and how to safeguard the fairness and standardization of market operation is an urgent problem to be solved. This paper first describes the credit risk in power market, and analyzes the components of credit risk identification in power market, puts forward suggestions on power market risk management.

Standardization of Social Credit System Initiated in China

Institute of Scientific and Technical Information of China (English)

无

2004-01-01

@@ Introduction The current government advances that the order of market economy should be standardized and the social credit system of market economy in modern times should be established and completed. The social credit system should be formed on the basis of property right, supported by moral and high consciousness of social credit. Therefore, the basic framework and operation mechanism of the standards system for social credit will be established in 5 years in China in order to make standards play an important role in a regular market and the aspect of credit management, to improve administration's compliance with the regulation, and to facilitate the market economic order.

The 2003 edition of geisa: a spectroscopic database system for the second generation vertical sounders radiance simulation

Science.gov (United States)

Jacquinet-Husson, N.; Lmd Team

The GEISA (Gestion et Etude des Informations Spectroscopiques Atmosphériques: Management and Study of Atmospheric Spectroscopic Information) computer accessible database system, in its former 1997 and 2001 versions, has been updated in 2003 (GEISA-03). It is developed by the ARA (Atmospheric Radiation Analysis) group at LMD (Laboratoire de Météorologie Dynamique, France) since 1974. This early effort implemented the so-called `` line-by-line and layer-by-layer '' approach for forward radiative transfer modelling action. The GEISA 2003 system comprises three databases with their associated management softwares: a database of spectroscopic parameters required to describe adequately the individual spectral lines belonging to 42 molecules (96 isotopic species) and located in a spectral range from the microwave to the limit of the visible. The featured molecules are of interest in studies of the terrestrial as well as the other planetary atmospheres, especially those of the Giant Planets. a database of absorption cross-sections of molecules such as chlorofluorocarbons which exhibit unresolvable spectra. a database of refractive indices of basic atmospheric aerosol components. Illustrations will be given of GEISA-03, data archiving method, contents, management softwares and Web access facilities at: http://ara.lmd.polytechnique.fr The performance of instruments like AIRS (Atmospheric Infrared Sounder; http://www-airs.jpl.nasa.gov) in the USA, and IASI (Infrared Atmospheric Sounding Interferometer; http://smsc.cnes.fr/IASI/index.htm) in Europe, which have a better vertical resolution and accuracy, compared to the presently existing satellite infrared vertical sounders, is directly related to the quality of the spectroscopic parameters of the optically active gases, since these are essential input in the forward models used to simulate recorded radiance spectra. For these upcoming atmospheric sounders, the so-called GEISA/IASI sub-database system has been elaborated

Credit counseling: a substitute for consumer financial literacy?

OpenAIRE

Disney, Richard; Gathergood, John; Weber, Jörg

2015-01-01

Is financial literacy a substitute or complement for financial advice? In this paper we analyze the decision by consumers to seek financial advice in the form of credit counseling concerning their credit and debt. Credit counseling is an important component of the consumer credit sector for consumers facing debt problems. We combine instrumental variable approaches to account for the endogeneity of an individual’s financial situation to financial literacy, and the endogeneity of financial lit...

Models for assessing and managing credit risk

Directory of Open Access Journals (Sweden)

Neogradi Slađana

2014-01-01

Full Text Available This essay deals with the definition of a model for assessing and managing credit risk. Risk is an inseparable component of any average and normal credit transaction. Looking at the different aspects of the identification and classification of risk in the banking industry as well as representation of the key components of modern risk management. In the first part of the essay will analyze how the impact of credit risk on bank and empirical models for determining the financial difficulties in which the company can be found. Bank on the basis of these models can reduce number of approved risk assets. In the second part, we consider models for improving credit risk with emphasis on Basel I, II and III, and the third part, we conclude that the most appropriate model and gives the best effect for measuring credit risk in domestic banks.

Sovereign Credit Risk, Liquidity and ECB Intervention

DEFF Research Database (Denmark)

Pelizzon, Loriana; Subrahmanyam, Marti G.; Tomio, Davide

This paper explores the interaction between credit risk and liquidity, in the context of the intervention by the European Central Bank (ECB), during the Euro-zone crisis. The laboratory for our investigation is the Italian sovereign bond market, the largest in the Euro-zone. We use a unique data...... between changes in Italian sovereign credit risk and liquidity in the secondary bond market, conditional on the level of credit risk, measured by the Italian sovereign credit default swap (CDS) spread. We demonstrate the existence of a threshold of 500 basis points (bp) in the CDS spread, above which...... there is a structural change in this relationship. Other global systemic factors also a ffect market liquidity, but the speci c credit risk of primary dealers plays only a modest role in a ffecting market liquidity, especially under conditions of stress. Moreover, the data indicate that there is a clear structural...

Social keywords in postcolonial melanesian discourse

DEFF Research Database (Denmark)

Levisen, Carsten; Priestley, Carol

2017-01-01

In postcolonial Melanesia, cultural discourses are increasingly organised around creole words, i.e. keywords of Bislama (Vanuatu) and Tok Pisin (Papua New Guinea). These words constitute (or represent) important emerging ethnolinguistic worldviews, which are partly borne out of the colonial era......, and partly out of postcolonial ethno-rhetoric. This chapter explores the word kastom ‘traditional culture’ in Bislama and pasin bilong tumbuna ‘the ways of the ancestors’ in Tok Pisin. Specific attention is paid to the shift from “negative “ to “positive” semantics, following from the re...

12 CFR 1400.1 - Farm Credit System Insurance Corporation.

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Farm Credit System Insurance Corporation. 1400.1 Section 1400.1 Banks and Banking FARM CREDIT SYSTEM INSURANCE CORPORATION ORGANIZATION AND FUNCTIONS Organization and Functions § 1400.1 Farm Credit System Insurance Corporation. The Farm Credit...

Phenomena and parameters important to burnup credit

International Nuclear Information System (INIS)

Parks, C.V.; Dehart, M.D.; Wagner, J.C.

2001-01-01

Since the mid-1980s, a significant number of studies have been directed at understanding the phenomena and parameters important to implementation of burnup credit in out-of-reactor applications involving pressurized-water- reactor (PWR) spent fuel. The efforts directed at burnup credit involving boiling-water-reactor (BWR) spent fuel have been more limited. This paper reviews the knowledge and experience gained from work performed in the United States and other countries in the study of burnup credit. Relevant physics and analysis phenomenon are identified, and an assessment of their importance to burnup credit implementation for transport and dry cask storage is given. (author)

Epidemiologic research topics in Germany: a keyword network analysis of 2014 DGEpi conference presentations.

Science.gov (United States)

Peter, Raphael Simon; Brehme, Torben; Völzke, Henry; Muche, Rainer; Rothenbacher, Dietrich; Büchele, Gisela

2016-06-01

Knowledge of epidemiologic research topics as well as trends is useful for scientific societies, researchers and funding agencies. In recent years researchers recognized the usefulness of keyword network analysis for visualizing and analyzing scientific research topics. Therefore, we applied keyword network analysis to present an overview of current epidemiologic research topics in Germany. Accepted submissions to the 9th annual congress of the German Society for Epidemiology (DGEpi) in 2014 were used as data source. Submitters had to choose one of 19 subject areas, and were ask to provide a title, structured abstract, names of authors along with their affiliations, and a list of freely selectable keywords. Keywords had been provided for 262 (82 %) submissions, 1030 keywords in total. Overall the most common keywords were: "migration" (18 times), "prevention" (15 times), followed by "children", "cohort study", "physical activity", and "secondary data analysis" (11 times each). Some keywords showed a certain concentration under one specific subject area, e.g. "migration" with 8 of 18 in social epidemiology or "breast cancer" with 4 of 7 in cancer epidemiology. While others like "physical activity" were equally distributed over multiple subject areas (cardiovascular & metabolic diseases, ageing, methods, paediatrics, prevention & health service research). This keyword network analysis demonstrated the high diversity of epidemiologic research topics with a large number of distinct keywords as presented at the annual conference of the DGEpi.

Development of Consumer Credit Laws in Malaysia

OpenAIRE

Rahman, Ahmad Saufi Abdul

2007-01-01

Consumer Credit is a branch of Commercial Law, which has been developing in recent years inMalaysia. The purpose of this paper is to summarize the latest amendments in the consumer credit laws inMalaysia and to highlight its significance. The discussion will be limited to the three most important laws ofconsumer credit in Malaysia: the hire-purchase, money lending and pawn broking laws.

20 CFR 606.23 - Avoidance of tax credit reduction.

Science.gov (United States)

2010-04-01

... 20 Employees' Benefits 3 2010-04-01 2010-04-01 false Avoidance of tax credit reduction. 606.23 Section 606.23 Employees' Benefits EMPLOYMENT AND TRAINING ADMINISTRATION, DEPARTMENT OF LABOR TAX CREDITS... Tax Credit Reduction § 606.23 Avoidance of tax credit reduction. (a) Applicability. Subsection (g) of...

20 CFR 606.20 - Cap on tax credit reduction.

Science.gov (United States)

2010-04-01

... 20 Employees' Benefits 3 2010-04-01 2010-04-01 false Cap on tax credit reduction. 606.20 Section 606.20 Employees' Benefits EMPLOYMENT AND TRAINING ADMINISTRATION, DEPARTMENT OF LABOR TAX CREDITS... Tax Credit Reduction § 606.20 Cap on tax credit reduction. (a) Applicability. Subsection (f) of...

Implied Materiality and Material Disclosures of Credit Ratings

OpenAIRE

Eccles, Robert G; Youmans, Timothy John

2015-01-01

This first of three papers in our series on materiality in credit ratings will examine the materiality of credit ratings from an “implied materiality” and governance disclosure perspective. In the second paper, we will explore the materiality of environmental, social, and governance (ESG) factors in credit ratings’ methodologies and introduce the concept of “layered materiality.” In the third paper, we will evaluate current and potential credit rating agency (CRA) business models based on our...

A Macroeconomic Model of Credit Risk in Uruguay

Directory of Open Access Journals (Sweden)

Gabriel Illanes

Full Text Available In this paper we evaluate credit risk of the economy as a whole, aiming at the study of the financial stability. This analysis uses as proxy the credit granted by the banking system. We use a non-linear parametric model based on Merton's structural framework for the analysis of the risk associated to a loan portfolio. In this model, default occurs when the return of an economic agent falls under certain threshold which depends on different macroeconomic variables. We use this model to assess the credit risk module in stress tests for the local banking system. We also estimate the "elasticities" of credit categories correspondig to corporate credit and consumer credit, both in national currency and american dollars. We obtain the parameters for the model using maximum likelihood, where the likelihood function contains a random latent factor which is assumed to follow a normal distribution.

CREDIT RISK MINIMIZATION WAYS AND PRICING OF BANKING SERVICES

Directory of Open Access Journals (Sweden)

V. E. Gladkova

2011-01-01

Full Text Available Accurate accounting of own expenses on rendering banking services and forming reasonable prices for them make it possible for commercial banks to adequately react to market situation changes. Credit risk minimization comprises: credit rationing (in Russia according to RF Central Bank norms; credit diversification; credit structuring; and forming reserves to cover respective bank risks (also in accordance with RF CB documents. Effective is bank credit hedging (insuring through credit derivatives. Most advanced at international finance markets are such risk minimization systems as Basel-II and IRBA. Pricing models based on individual assessment of each borrower’s risk class (Risk Based Pricing approach are widely used.

Emission credits : what are they worth?

International Nuclear Information System (INIS)

Wilman, E.A.

2003-01-01

The current cost of making a carbon transaction was discussed with particular reference to a time-line when emissions trading will become more cost-effective and streamlined for quicker results. This paper described how companies are dealing with the risk of emissions trading in terms of pricing and the expected financial impacts of owning a new commodity. The incorporation of emissions credits and trading activities into a company's balance sheet was also described in terms of how banks will consider a company's credit when calculating their loan potential. It was noted that some credits will be valued higher than others based on their historical background. The financial impact that credits have on company assets was addressed in terms of measuring reputation management. The importance of developing a financial plan for effective management was emphasized in terms of evaluating emissions reduction projects and future options. 17 refs., 2 figs

The WHISPER Relaxation Sounder and the CLUSTER Active Archive

Science.gov (United States)

Trotignon, J. G.; Décréau, P. M. E.; Rauch, J. L.; Vallières, X.; Rochel, A.; Kougblénou, S.; Lointier, G.; Facskó, G.; Canu, P.; Darrouzet, F.; Masson, A.

The Waves of HIgh frequency and Sounder for Probing of Electron density by Relaxation (WHISPER) instrument is part of the Wave Experiment Consortium (WEC) of the CLUSTER mission. With the help of the long double sphere antennae of the Electric Field and Wave (EFW) instrument and the Digital Wave Processor (DWP), it delivers active (sounding) and natural (transmitter off) electric field spectra, respectively from 4 to 82 kHz, and from 2 to 80 kHz. These frequency ranges have been chosen to include the electron plasma frequency, which is closely related to the total electron density, in most of the regions encountered by the CLUSTER spacecraft. Presented here is an overview of the WHISPER data products available in the CLUSTER Active Archive (CAA). The instrument and its performance are first recalled. The way the WHISPER products are obtained is then described, with particular attention being paid to the density determination. Both sounding and natural measurements are commonly used in this process, which depends on the ambient plasma regime. This is illustrated using drawings similar to the Bryant plots commonly used in the CLUSTER master science plan. These give a clear overview of typical density values and the parts of the orbits where they are obtained. More information on the applied software or on the quality/reliability of the density determination can also be highlighted.

77 FR 8184 - Foreign Tax Credit Splitting Events

Science.gov (United States)

2012-02-14

... Foreign Tax Credit Splitting Events AGENCY: Internal Revenue Service (IRS), Treasury. ACTION: Notice of... these proposed regulations. The regulations affect taxpayers claiming foreign tax credits. Special... of the Federal Register.] Sec. 1.909-6 Pre-2011 foreign tax credit splitting events. [The text of...

Credit risk in emerging markets Peruvian listed company

Directory of Open Access Journals (Sweden)

Kurt Burneo Farfan

2017-07-01

Full Text Available The aim of this paper is to introduce the importance of the banking credit risk, the main elements that conform it and the main alternatives that are offered to access to a loan as well as a description of its measurement and management in the sector. There will be a general explanation of credit risk and the main parties involved in it. As the topic is developed it is going to be analyzed the lending process carried out by the banks as well as the quantitative and qualitative elements taken into account when taking a credit decision (The 5C’s of credit, credit scoring and models for quantification of losses for instance. Another thing to considerate is that Credit risk arises whenever a borrower is expecting to use future cash flows to pay a current debt. Also, the investors have the access for the information of a client and they are compensated for assuming credit risk by way of interest payments from the borrower or issuer of a debt obligation and the credit risk is a useful tool for the finance management. The Enterprise risk management in Peru changed in 2015 because the local regulator is in process to review the norm, including some aspects of corporate governance; these changes are not included in this research.

Tight gas sand tax credit yields opportunities

International Nuclear Information System (INIS)

Lewis, F.W.; Osburn, A.S.

1991-01-01

The U.S. Internal Revenue Service on Apr. 1, 1991, released the inflation adjustments used in the calculations of Non-Conventional Fuel Tax Credits for 1990. The inflation adjustment, 1.6730, when applied to the base price of $3/bbl of oil equivalent, adjusts the tax credit to $5.019/bbl for oil and 86.53 cents/MMBTU for gas. The conversion factor for equivalent fuels is 5.8 MMBTU/bbl. Unfortunately, the tax credit for tight formation gas continues to be unadjusted for inflation and remains 52 cents/MMBTU. As many producers are aware, the Omnibus Budget Reconciliation Act of 1990 expanded the dates of eligibility and the usage for-Non-Conventional Fuel Tax Credits. Among other provisions, eligible wells may be placed in service until Jan. 1, 1992, and once in place may utilize the credit for production through Dec. 31, 2002. Both dates are 2 year extensions from previous regulations

Credit Spreads Across the Business Cycle

DEFF Research Database (Denmark)

Nielsen, Mads Stenbo

This paper studies how corporate bond spreads vary with the business cycle. I show that both level and slope of empirical credit spread curves are correlated with the state of the economy, and I link this to variation in idiosyncratic jump risk. I develop a structural credit risk model...... that accounts for both business cycle and jump risk, and show by estimation that the model captures the counter-cyclical level and pro-cyclical slope of empirical credit spread curves. In addition, I provide a new procedure for estimation of idiosyncratic jump risk, which is consistent with observed shocks...

Prefrontal system dysfunction and credit card debt.

Science.gov (United States)

Spinella, Marcello; Yang, Bijou; Lester, David

2004-10-01

Credit card use often involves a disadvantageous allocation of finances because they allow for spending beyond means and buying on impulse. Accordingly they are associated with increased bankruptcy, anxiety, stress, and health problems. Mounting evidence from functional neuroimaging and clinical studies implicates prefrontal-subcortical systems in processing financial information. This study examined the relationship of credit card debt and executive functions using the Frontal System Behavior Scale (FRSBE). After removing the influences of demographic variables (age, sex, education, and income), credit card debt was associated with the Executive Dysfunction scale, but not the Apathy or Disinhibition scales. This suggests that processes of conceptualizing and organizing finances are most relevant to credit card debt, and implicates dorsolateral prefrontal dysfunction.

24 CFR 232.570 - Endorsement of credit instrument.

Science.gov (United States)

2010-04-01

... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Endorsement of credit instrument... of Fire Safety Equipment Eligible Security Instruments § 232.570 Endorsement of credit instrument. The Commissioner shall indicate his insurance of the loan by endorsing the credit instrument and...

26 CFR 31.3302(b)-1 - Additional credit against tax.

Science.gov (United States)

2010-04-01

... 26 Internal Revenue 15 2010-04-01 2010-04-01 false Additional credit against tax. 31.3302(b)-1... credit against tax. (a) In general. In addition to the credit against the tax allowable for contributions... credit allowable against the tax for such year shall be the aggregate of the additional credits allowable...

Dual Credit/Dual Enrollment and Data Driven Policy Implementation

Science.gov (United States)

Lichtenberger, Eric; Witt, M. Allison; Blankenberger, Bob; Franklin, Doug

2014-01-01

The use of dual credit has been expanding rapidly. Dual credit is a college course taken by a high school student for which both college and high school credit is given. Previous studies provided limited quantitative evidence that dual credit/dual enrollment is directly connected to positive student outcomes. In this study, predictive statistics…

The National Credit Act Regarding Suretyships and Reckless Lending

African Journals Online (AJOL)

In terms of the National Credit Act a credit provider may conclude a credit agreement with a consumer only after he has made a proper financial assessment and concludes that the consumer will be able to satisfy all of his obligations under all his credit agreements. However, a practice of not conducting this affordability ...

12 CFR 704.17 - State-chartered corporate credit unions.

Science.gov (United States)

2010-01-01

... provided under the laws of the state in which it was chartered. (b) A state-chartered corporate credit... 12 Banks and Banking 6 2010-01-01 2010-01-01 false State-chartered corporate credit unions. 704.17... CORPORATE CREDIT UNIONS § 704.17 State-chartered corporate credit unions. (a) This part does not expand the...

Optimal advanced credit releases in ecosystem service markets.

Science.gov (United States)

BenDor, Todd K; Guo, Tianshu; Yates, Andrew J

2014-03-01

Ecosystem service markets are popular policy tools for ecosystem protection. Advanced credit releases are an important factor affecting the supply side of ecosystem markets. Under an advanced credit release policy, regulators give ecosystem suppliers a fraction of the total ecosystem credits generated by a restoration project before it is verified that the project actually achieves the required ecological thresholds. In spite of their prominent role in ecosystem markets, there is virtually no regulatory or research literature on the proper design of advanced credit release policies. Using U.S. aquatic ecosystem markets as an example, we develop a principal-agent model of the behavior of regulators and wetland/stream mitigation bankers to determine and explore the optimal degree of advance credit release. The model highlights the tension between regulators' desire to induce market participation, while at the same time ensuring that bankers successfully complete ecological restoration. Our findings suggest several simple guidelines for strengthening advanced credit release policy.

Disposal criticality analysis methodology's principal isotope burnup credit

International Nuclear Information System (INIS)

Doering, T.W.; Thomas, D.A.

2001-01-01

This paper presents the burnup credit aspects of the United States Department of Energy Yucca Mountain Project's methodology for performing criticality analyses for commercial light-water-reactor fuel. The disposal burnup credit methodology uses a 'principal isotope' model, which takes credit for the reduced reactivity associated with the build-up of the primary principal actinides and fission products in irradiated fuel. Burnup credit is important to the disposal criticality analysis methodology and to the design of commercial fuel waste packages. The burnup credit methodology developed for disposal of irradiated commercial nuclear fuel can also be applied to storage and transportation of irradiated commercial nuclear fuel. For all applications a series of loading curves are developed using a best estimate methodology and depending on the application, an additional administrative safety margin may be applied. The burnup credit methodology better represents the 'true' reactivity of the irradiated fuel configuration, and hence the real safety margin, than do evaluations using the 'fresh fuel' assumption. (author)

Micro Credit and Gender: A Critical Assessment

Directory of Open Access Journals (Sweden)

Özlem BALKIZ

2015-12-01

Full Text Available Micro credit programs, which are based on lending money on interest and encouraging savings, have been first been used in Southern countries and are now being implemented worldwide. Mainly aimed at the rural poor, particularly poor women, micro credit programs seek to ensure sustainable economic development in line with the requirements of global capitalism and to include women in the productive activities of the market. Micro credit has been made institutionalized based on three main paradigms, namely financial sustainability, poverty alleviation and women’s empowerment. In micro credit programs, where the emphasis on women’s empowerment is strong, the lack of a social gender perspective is striking. In fact, women may face patriarchal pressure and restrictions at the start in access to loans, loan usage models, participation to the productive activities in the market and during loan repayment. Thus the allegation that by way of micro credit, women will be empowered in terms of economic, social and political means in the family and society becomes questionable. This article, by problematizing women’s relationship with micro credit, will discuss social gender relationships which prevent them from making use of these programs as they wish and from achieving the results they intend

Modelling the predictive performance of credit scoring

Directory of Open Access Journals (Sweden)

Shi-Wei Shen

2013-07-01

Research purpose: The purpose of this empirical paper was to examine the predictive performance of credit scoring systems in Taiwan. Motivation for the study: Corporate lending remains a major business line for financial institutions. However, in light of the recent global financial crises, it has become extremely important for financial institutions to implement rigorous means of assessing clients seeking access to credit facilities. Research design, approach and method: Using a data sample of 10 349 observations drawn between 1992 and 2010, logistic regression models were utilised to examine the predictive performance of credit scoring systems. Main findings: A test of Goodness of fit demonstrated that credit scoring models that incorporated the Taiwan Corporate Credit Risk Index (TCRI, micro- and also macroeconomic variables possessed greater predictive power. This suggests that macroeconomic variables do have explanatory power for default credit risk. Practical/managerial implications: The originality in the study was that three models were developed to predict corporate firms’ defaults based on different microeconomic and macroeconomic factors such as the TCRI, asset growth rates, stock index and gross domestic product. Contribution/value-add: The study utilises different goodness of fits and receiver operator characteristics during the examination of the robustness of the predictive power of these factors.

Keyword-based Ciphertext Search Algorithm under Cloud Storage

Directory of Open Access Journals (Sweden)

Ren Xunyi

2016-01-01

Full Text Available With the development of network storage services, cloud storage have the advantage of high scalability , inexpensive, without access limit and easy to manage. These advantages make more and more small or medium enterprises choose to outsource large quantities of data to a third party. This way can make lots of small and medium enterprises get rid of costs of construction and maintenance, so it has broad market prospects. But now lots of cloud storage service providers can not protect data security.This result leakage of user data, so many users have to use traditional storage method.This has become one of the important factors that hinder the development of cloud storage. In this article, establishing keyword index by extracting keywords from ciphertext data. After that, encrypted data and the encrypted index upload cloud server together.User get related ciphertext by searching encrypted index, so it can response data leakage problem.

Understanding the delayed-keyword effect on metacomprehension accuracy.

Science.gov (United States)

Thiede, Keith W; Dunlosky, John; Griffin, Thomas D; Wiley, Jennifer

2005-11-01

The typical finding from research on metacomprehension is that accuracy is quite low. However, recent studies have shown robust accuracy improvements when judgments follow certain generation tasks (summarizing or keyword listing) but only when these tasks are performed at a delay rather than immediately after reading (K. W. Thiede & M. C. M. Anderson, 2003; K. W. Thiede, M. C. M. Anderson, & D. Therriault, 2003). The delayed and immediate conditions in these studies confounded the delay between reading and generation tasks with other task lags, including the lag between multiple generation tasks and the lag between generation tasks and judgments. The first 2 experiments disentangle these confounded manipulations and provide clear evidence that the delay between reading and keyword generation is the only lag critical to improving metacomprehension accuracy. The 3rd and 4th experiments show that not all delayed tasks produce improvements and suggest that delayed generative tasks provide necessary diagnostic cues about comprehension for improving metacomprehension accuracy.

Islamic Banking Existence and Domestic Credit: Study at Seven Countries

Directory of Open Access Journals (Sweden)

Hamdan Yuafi

2017-05-01

Full Text Available This paper empirically investigates the determinants of domestic credit across a wide range of 7 countries; these are United Kingdom, Malaysia, Egypt, Kuwait, Qatar, Bahrain and Indonesia. We use dynamic panel estimation to examine effects of exchange rate, inflation, lending interest rate, banking crisis and existence of wholesale Islamic banking on domestic credit. We obtain several notable empirical results. First, the lending interest rate, banking crisis negatively and insignificantly contribute to domestic credit. The existence of Islamic bank has positive and insignificant contribution to domestic credit, while exchange rate positively and significantly contributes to domestic credit.  Inflation negatively and significantly contributes to domestic credit. Second, banking crisis and existence of wholesale Islamic banking show insignificant effect on domestic credit. Third, we find that today’s domestic credit is depended on domestic credit in the previous year.DOI: 10.15408/aiq9i2.4906

76 FR 13896 - Equal Credit Opportunity

Science.gov (United States)

2011-03-15

... creditors disclose additional information on FCRA adverse action notices. Specifically, a person must... that a creditor obtained information from a consumer reporting agency. Consistent with section 1100F of... action would need to provide a credit score and information relating to that credit score to those...

Tiebreaker: Certification and Multiple Credit Ratings

NARCIS (Netherlands)

D.G.J. Bongaerts (Dion); K.J.M. Cremers (Martijn); W.N. Goetzmann (William)

2008-01-01

textabstractAbstract: This paper explores the role played by multiple credit rating agencies (CRAs) in the market for corporate bonds. Moody’s, S&P and Fitch operate in a competitive setting with market demand for both credit information and the certification value of a high rating. We

The Credit Hour and Public Budgeting.

Science.gov (United States)

Wellman, Jane V.

2003-01-01

Discusses the ways the credit hour has come to be used by public funding systems in higher education. The literature review shows that the credit hour has become a barrier to innovation and a way to create systemic inequities between institutions or sectors in resource allocation. (SLD)

To what extent does banks' credit stimulate economic growth ...

African Journals Online (AJOL)

This study examines the extent to which banks' credit affects economic growth in Nigeria. The data used was collected from the Central Bank of Nigeria statistical bulletin for a period of 24 years from 1990 to 2013. We used credit to the private sector, credit to the public sector and inflation to proxy commercial bank credit ...

26 CFR 20.2012-1 - Credit for gift tax.

Science.gov (United States)

2010-04-01

... 26 Internal Revenue 14 2010-04-01 2010-04-01 false Credit for gift tax. 20.2012-1 Section 20.2012... TAXES ESTATE TAX; ESTATES OF DECEDENTS DYING AFTER AUGUST 16, 1954 Credits Against Tax § 20.2012-1 Credit for gift tax. (a) In general. With respect to gifts made before 1977, a credit is allowed under...

A Political Approach of the Popular Credit: Pierre-Joseph Proudhon and the mutual credit

OpenAIRE

Cyrille Ferraton; David Vallat

2011-01-01

Pierre-Joseph Proudhon’s ideas on credit and money have been considered to be not very relevant and above all unrealistic. However, they have known an uncommon posterity. They influenced Silvio Gesell who is John Maynard Keynes’s reference. This article analyses Pierre-Joseph Proudhon’s exchange bank plan. We show that Pierre- Joseph Proudhon’s ideas on credit and money are opened to criticism but require a reexamination because we can draw many lessons from them.

26 CFR 1.50-1 - Restoration of credit.

Science.gov (United States)

2010-04-01

... Computing Credit for Investment in Certain Depreciable Property § 1.50-1 Restoration of credit. (a) In general. Section 49(a) (relating to termination of credit) does not apply to property— (1) The... new section 38 property in determining qualified investment only that portion of the basis which is...

49 CFR 260.17 - Credit risk premium analysis.

Science.gov (United States)

2010-10-01

... 49 Transportation 4 2010-10-01 2010-10-01 false Credit risk premium analysis. 260.17 Section 260... Financial Assistance § 260.17 Credit risk premium analysis. (a) When Federal appropriations are not available to cover the total subsidy cost, the Administrator will determine the Credit Risk Premium...

77 FR 8127 - Foreign Tax Credit Splitting Events

Science.gov (United States)

2012-02-14

... Tax Credit Splitting Events AGENCY: Internal Revenue Service (IRS), Treasury. ACTION: Final and... affect taxpayers claiming foreign tax credits. The text of the temporary regulations also serves as the... that if there is a foreign tax credit splitting event with respect to a foreign income tax paid or...

20 CFR 601.4 - Certification for tax credit.

Science.gov (United States)

2010-04-01

... 20 Employees' Benefits 3 2010-04-01 2010-04-01 false Certification for tax credit. 601.4 Section 601.4 Employees' Benefits EMPLOYMENT AND TRAINING ADMINISTRATION, DEPARTMENT OF LABOR ADMINISTRATIVE... and Additional Tax Credit and Grant Purposes § 601.4 Certification for tax credit. (a) Within 30 days...

Characteristics of monsoon inversions over the Arabian Sea observed by satellite sounder and reanalysis data sets

Directory of Open Access Journals (Sweden)

S. Dwivedi

2016-04-01

Full Text Available Monsoon inversion (MI over the Arabian Sea (AS is one of the important characteristics associated with the monsoon activity over Indian region during summer monsoon season. In the present study, we have used 5 years (2009–2013 of temperature and water vapour measurement data obtained from satellite sounder instrument, an Infrared Atmospheric Sounding Interferometer (IASI onboard MetOp satellite, in addition to ERA-Interim data, to study their characteristics. The lower atmospheric data over the AS have been examined first to identify the areas where MIs are predominant and occur with higher strength. Based on this information, a detailed study has been made to investigate their characteristics separately in the eastern AS (EAS and western AS (WAS to examine their contrasting features. The initiation and dissipation times of MIs, their percentage occurrence, strength, etc., has been examined using the huge database. The relation with monsoon activity (rainfall over Indian region during normal and poor monsoon years is also studied. WAS ΔT values are  ∼  2 K less than those over the EAS, ΔT being the temperature difference between 950 and 850 hPa. A much larger contrast between the WAS and EAS in ΔT is noticed in ERA-Interim data set vis-à-vis those observed by satellites. The possibility of detecting MI from another parameter, refractivity N, obtained directly from another satellite constellation of GPS Radio Occultation (RO (COSMIC, has also been examined. MI detected from IASI and Atmospheric Infrared Sounder (AIRS onboard the NOAA satellite have been compared to see how far the two data sets can be combined to study the MI characteristics. We suggest MI could also be included as one of the semipermanent features of southwest monsoon along with the presently accepted six parameters.

Consumer susceptibility to credit card misuse and indebtedness

OpenAIRE

Awanis, Sandra; Cui, Charles Chi

2014-01-01

Purpose – Prior research suggests that payment mechanisms are imbued with cues that affect purchase evaluation and future spending behavior. Credit cards are distinguished from other payment mechanisms as they elicit greater willingness to spend, prompt weaker recollections of past credit expenses and overvaluation of available funds – a phenomena the authors call as “credit card effect.� Little is known about the individuals’ differential exposure to the credit card effect. The pur...

Credit Risk Management in Chinese Banking Industry

OpenAIRE

Zhang, Lei

2006-01-01

Abstract Credit risk is by far the most important risk faced by banks, and it influences the bank profitability and its long-term operation significantly. Well management on credit risk can be a competitive advantage for banks in the competitive banking industry. Chinese banks suffer from serious financial fragility manifested by high proportions of NPLs and low capital adequacy ratios (Bonin and Huang, 2001). This dissertation examines the real credit performance of Chinese banks ba...

Corporate financing and anticipated credit rating changes

OpenAIRE

Hung, Chi-Hsiou D.; Banerjee, Anurag; Meng, Qingrui

2017-01-01

Firm circumstances change but rating agencies may not make timely revisions to their\\ud ratings, increasing information asymmetry between firms and the market. We examine\\ud whether firms time the securities market before a credit rating agency publicly reveals\\ud its decision to downgrade a firm's credit rating. Using quarterly data, we show that\\ud firms adjust their financing structures before credit rating downgrades are publicly\\ud revealed. More specifically, firms on average increase t...

Credit Constraints, Political Instability, and Capital Accumulation

OpenAIRE

Risto Herrala; Rima Turk-Ariss

2013-01-01

We investigate the complex interactions between credit constraints, political instability, and capital accumulation using a novel approach based on Kiyotaki and Moore’s (1997) theoretical framework. Drawing on a unique firm-level data set from Middle-East and North Africa (MENA), empirical findings point to a large and significant effect of credit conditions on capital accumulation and suggest that continued political unrest worsens credit constraints. The results support the view that financ...

75 FR 81378 - Fiduciary Duties at Federal Credit Unions; Mergers and Conversions of Insured Credit Unions

Science.gov (United States)

2010-12-28

... NCUA's neutrality in the final rule and has made this change. A commenter also suggested including this..., where the net worth ratio of the merging credit union exceeds the net worth ratio of the continuing... are entitled to the net worth of a merging credit union. The NCUA Board disagrees. As discussed in the...

Burnup credit activities being conducted in the United States

International Nuclear Information System (INIS)

Lake, W.

1998-01-01

The paper describes burnup credit activities being conducted in the U.S. where burnup credit is either being used or being planned to be used for storage, transport, and disposal of spent nuclear fuel. Currently approved uses of burnup credit are for wet storage of PWR fuel. For dry storage of spent PWR fuel, burnup credit is used to supplement a principle of moderator exclusion. These storage applications have been pursued by the private sector. The Department of Energy (DOE) which is an organization of the U.S. Federal government is seeking approval for burnup credit for transport and disposal applications. For transport of spent fuel, regulatory review of an actinide-only PWR burnup credit method is now being conducted. A request by DOE for regulatory review of actinide and fission product burnup credit for disposal of spent BWR and PWR fuel is scheduled to occur in 1998. (author)

Capital Requirements and Credit Rationing

OpenAIRE

Itai Agur

2010-01-01

This paper analyzes the trade-off between financial stability and credit rationing that arises when increasing capital requirements. It extends the Stiglitz-Weiss model of credit rationing to allow for bank default. Bank capital structure then matters for lending incentives. With default and rationing endogenous, optimal capital requirements can be analyzed. Introducing bank financiers, the paper also shows that uninsured funding raises the sensitivity of rationing to capital requirements. In...

An introduction to XML query processing and keyword search

CERN Document Server

Lu, Jiaheng

2013-01-01

This book systematically and comprehensively covers the latest advances in XML data searching. It presents an extensive overview of the current query processing and keyword search techniques on XML data.

The cost of anchoring on credit-card minimum repayments

OpenAIRE

Stewart, Neil

2009-01-01

About three quarters of credit card accounts attract interest charges. In the US, credit card debt is $951.7 billion of a total of $2,539.7 billion of consumer credit. In the UK, credit card debt is £55.1 billion of £174.4 billion of consumer credit. The 2005 US Bankruptcy Abuse Prevention and Consumer Protection Act and the 2003 UK Treasury Select Committee's report require lenders to collect a minimum payment of at least the interest accrued each month. Thus people are protected from the ef...

26 CFR 1.1502-3 - Consolidated tax credits.

Science.gov (United States)

2010-04-01

... 26 Internal Revenue 12 2010-04-01 2010-04-01 false Consolidated tax credits. 1.1502-3 Section 1... (CONTINUED) INCOME TAXES Consolidated Tax Liability § 1.1502-3 Consolidated tax credits. (a) Determination of...) Consolidated limitation based on amount of tax. (i) Notwithstanding the amount of the consolidated credit...

7 CFR 1980.308 - Full faith and credit.

Science.gov (United States)

2010-01-01

... 7 Agriculture 14 2010-01-01 2009-01-01 true Full faith and credit. 1980.308 Section 1980.308...) PROGRAM REGULATIONS (CONTINUED) GENERAL Rural Housing Loans § 1980.308 Full faith and credit. The loan note guarantee constitutes an obligation supported by the full faith and credit of the United States...

Comparison of two schemes for automatic keyword extraction from MEDLINE for functional gene clustering.

Science.gov (United States)

Liu, Ying; Ciliax, Brian J; Borges, Karin; Dasigi, Venu; Ram, Ashwin; Navathe, Shamkant B; Dingledine, Ray

2004-01-01

One of the key challenges of microarray studies is to derive biological insights from the unprecedented quatities of data on gene-expression patterns. Clustering genes by functional keyword association can provide direct information about the nature of the functional links among genes within the derived clusters. However, the quality of the keyword lists extracted from biomedical literature for each gene significantly affects the clustering results. We extracted keywords from MEDLINE that describes the most prominent functions of the genes, and used the resulting weights of the keywords as feature vectors for gene clustering. By analyzing the resulting cluster quality, we compared two keyword weighting schemes: normalized z-score and term frequency-inverse document frequency (TFIDF). The best combination of background comparison set, stop list and stemming algorithm was selected based on precision and recall metrics. In a test set of four known gene groups, a hierarchical algorithm correctly assigned 25 of 26 genes to the appropriate clusters based on keywords extracted by the TDFIDF weighting scheme, but only 23 og 26 with the z-score method. To evaluate the effectiveness of the weighting schemes for keyword extraction for gene clusters from microarray profiles, 44 yeast genes that are differentially expressed during the cell cycle were used as a second test set. Using established measures of cluster quality, the results produced from TFIDF-weighted keywords had higher purity, lower entropy, and higher mutual information than those produced from normalized z-score weighted keywords. The optimized algorithms should be useful for sorting genes from microarray lists into functionally discrete clusters.

EPA Metadata Style Guide Keywords and EPA Organization Names

Science.gov (United States)

The following keywords and EPA organization names listed below, along with EPA’s Metadata Style Guide, are intended to provide suggestions and guidance to assist with the standardization of metadata records.

40 CFR 80.315 - How are credits used and what are the limitations on credit use?

Science.gov (United States)

2010-07-01

... indicating the years the credits were generated, the identity of the refiner or importer who generated the credits, and the identity of the transferring party, if it is not the same party that generated the... corporate pool average standards under § 80.195. [65 FR 6823, Feb. 10, 2000, as amended at 67 FR 40184, June...

The Role of Credit in Predicting US Recessions

DEFF Research Database (Denmark)

Pönkä, Harri

are useful predictors of US recessions over and above the control variables both in and out of sample. Especially the excess bond premium, capturing the cyclical changes in the relationship between default risk and credit spreads, is found to be a powerful predictor. Overall, models that combine credit......We study the role of credit in forecasting US recession periods with probit models. We employ both classical recession predictors and common factors based on a large panel of financial and macroeconomic variables as control variables. Our findings suggest that a number of credit variables...

Status of burnup credit implementation in Switzerland

International Nuclear Information System (INIS)

Grimm, P.

1998-01-01

Burnup credit is currently not used for the storage of spent fuel in the reactor pools in Switzerland, but credit is taken for integral burnable absorbers. Interest exists to take credit of burnup in future for the storage in a central away-from-reactor facility presently under construction. For spent fuel transports to foreign reprocessing plants the regulations of the receiving countries must be applied in addition to the Swiss licensing criteria. Burnup credit has been applied by one Swiss PWR utility for such transports in a consistent manner with the licensing practice in the receiving countries. Measurements of reactivity worths of small spent fuel samples in a Swiss zero-power research reactor are at an early stage of planning. (author)

Atmospheric Sounder Spectrometer for Infrared Spectral Technology (ASSIST) Instrument Handbook

Energy Technology Data Exchange (ETDEWEB)

Flynn, Connor J. [Pacific Northwest National Lab. (PNNL), Richland, WA (United States). Atmospheric Radiation Measurement (ARM) Program

2016-03-01

The Atmospheric Sounder Spectrometer for Infrared Spectral Technology (ASSIST) measures the absolute infrared (IR) spectral radiance (watts per square meter per steradian per wavenumber) of the sky directly above the instrument. More information about the instrument can be found through the manufacturer’s website. The spectral measurement range of the instrument is 3300 to 520 wavenumbers (cm^-1) or 3-19.2 microns for the normal-range instruments and 3300 to 400 cm^-1 or 3-25 microns, for the extended-range polar instruments. Spectral resolution is 1.0 cm^-1. Instrument field-of-view is 1.3 degrees. Calibrated sky radiance spectra are produced on cycle of about 141 seconds with a group of 6 radiance spectra zenith having dwell times of about 14 seconds each interspersed with 55 seconds of calibration and mirror motion. The ASSIST data is comparable to the Atmospheric Emitted Radiance Interferometer (AERI) data and can be used for 1) evaluating line-by-line radiative transport codes, 2) detecting/quantifying cloud effects on ground-based measurements of infrared spectral radiance (and hence is valuable for cloud property retrievals), and 3) calculating vertical atmospheric profiles of temperature and water vapor and the detection of trace gases.

12 CFR 614.4810 - Standby letters of credit.

Science.gov (United States)

2010-01-01

... party in the performance of an obligation. (b) As a matter of sound banking practice, banks for... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Standby letters of credit. 614.4810 Section 614.4810 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS Banks...

How To Be...Credit Smart. "Straight Talk" Series.

Science.gov (United States)

American Financial Services Association, Washington, DC. Consumer Credit Education Foundation.

Designed for first-time borrowers, this pamphlet describes the basics of credit as a part of personal financial planning. Following a self-quiz (with answers) that tests the reader's knowledge of credit, the pamphlet provides guidelines for responsible credit use and outlines steps to take if debt problems occur. Topics covered include the…

12 CFR 932.4 - Credit risk capital requirement.

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Credit risk capital requirement. 932.4 Section... CAPITAL STANDARDS FEDERAL HOME LOAN BANK CAPITAL REQUIREMENTS § 932.4 Credit risk capital requirement. (a) General requirement. Each Bank's credit risk capital requirement shall be equal to the sum of the Bank's...

17 CFR 256.411.5 - Investment tax credit.

Science.gov (United States)

2010-04-01

... 17 Commodity and Securities Exchanges 3 2010-04-01 2010-04-01 false Investment tax credit. 256.411... HOLDING COMPANY ACT OF 1935 Income and Expense Accounts § 256.411.5 Investment tax credit. (a) This account shall be debited with the amounts of investment tax credits related to service company property...

7 CFR 3575.3 - Full faith and credit.

Science.gov (United States)

2010-01-01

... 7 Agriculture 15 2010-01-01 2010-01-01 false Full faith and credit. 3575.3 Section 3575.3... AGRICULTURE GENERAL Community Programs Guaranteed Loans § 3575.3 Full faith and credit. The Loan Note Guarantee constitutes an obligation supported by the full faith and credit of the United States and is not...

7 CFR 762.103 - Full faith and credit.

Science.gov (United States)

2010-01-01

... 7 Agriculture 7 2010-01-01 2010-01-01 false Full faith and credit. 762.103 Section 762.103... AGRICULTURE SPECIAL PROGRAMS GUARANTEED FARM LOANS § 762.103 Full faith and credit. (a) Fraud and misrepresentation. The loan guarantee constitutes an obligation supported by the full faith and credit of the United...

7 CFR 1779.3 - Full faith and credit.

Science.gov (United States)

2010-01-01

... 7 Agriculture 12 2010-01-01 2010-01-01 false Full faith and credit. 1779.3 Section 1779.3... AGRICULTURE (CONTINUED) WATER AND WASTE DISPOSAL PROGRAMS GUARANTEED LOANS § 1779.3 Full faith and credit. The Loan Note Guarantee constitutes an obligation supported by the full faith and credit of the United...

Monetary policy and credit conditions: new evidence.

OpenAIRE

Steven Ongena

1995-01-01

A number of recent papers seek to distinguish between "money" and "credit" theories of the transmission of monetary disturbances using asymmetric information arguments. In credit models money causes output not only through the real interest rate but also through the availability of bank credit. The research described in this paper extends the work of Kashyap, Stein and Wilcox (1993) who construct a model that incorporates a relationship benefit to bank borrowing and then test the implications...

Burnup credit activities in the United States

International Nuclear Information System (INIS)

Lake, W.H.; Thomas, D.A.; Doering, T.W.

2001-01-01

This report covers progress in burnup credit activities that have occurred in the United States of America (USA) since the International Atomic Energy Agency's (IAEA's) Advisory Group Meeting (AGM) on Burnup Credit was convened in October 1997. The Proceeding of the AGM were issued in April 1998 (IAEA-TECDOC-1013, April 1998). The three applications of the use of burnup credit that are discussed in this report are spent fuel storage, spent fuel transportation, and spent fuel disposal. (author)

Portfolio Optimization for Multiple Group Credit Unions

National Research Council Canada - National Science Library

Willis, John

1999-01-01

...) to diversify, credit unions now have the opportunity to market their services to specific employee groups or industries which can reduce the overall risk to the credit unions' health or solvency...

CREDIT RISK MANAGEMENT IN THE COMMERCIAL BANKS IN ROMANIA

Directory of Open Access Journals (Sweden)

Mihaela SUDACEVSCHI

2014-04-01

Full Text Available Credit risk is one of the main risks faced by a bank. This kind of risk is generated by the crediting activity of the clients. To manage the credit risk, banks should identify the sources of the risk and to monitor their exposures. These activities mean a better knowledge of the existing and potential clients and their financial situations, by implementing new scoring methods. Also, to avoid the credit risk or to reduce losses, the banks could increase the value of guarantees required in regular credit activities, their periodically reassessment and the periodical analysis of the ability of customers to generate cash flows (for corporate clients and get constant income (for retail customers to provide repayment of credits. This paper aims to prevent and to analyze several measures of credit risk management and it assume that banks on the Romanian banking market and to identify some indices used for customers analysis.

The capacity credit of micro-combined heat and power

International Nuclear Information System (INIS)

Hawkes, A.D.; Leach, M.A.

2008-01-01

This article is concerned with development of a methodology to determine the capacity credit of micro-combined heat and power (micro-CHP), and application of the method for the UK. Capacity credit is an important parameter in electricity system planning because it measures the amount of conventional generation that would be displaced by an alternative technology. Firstly, a mathematical formulation is presented. Capacity credit is then calculated for three types of micro-CHP units-Stirling engine, internal combustion engine, and fuel cell systems-operating under various control strategies. It is found that low heat-to-power ratio fuel cell technologies achieve the highest capacity credit of approximately 85% for a 1.1 GW penetration when a heat-led control strategy is applied. Higher heat-to-power ratio Stirling engine technology achieves approximately 33% capacity credit for heat-led operation. Low heat-to-power ratio technologies achieve higher capacity credit because they are able to continue operating even when heat demand is relatively low. Capacity credit diminishes as penetration of the technology increases. Overall, the high capacity credit of micro-CHP contributes to the viewpoint that the technology can help meet a number of economic and environmental energy policy aims

Tiebreaker: Certification and multiple credit ratings

NARCIS (Netherlands)

Bongaerts, D.; Cremers, K.J.M.; Goetzmann, W.

2009-01-01

This paper explores the role played by multiple credit rating agencies (CRAs) in the market for corporate bonds. Moody’s, S&P and Fitch operate in a competitive setting with market demand for both credit information and the certification value of a high rating. We empirically document the outcome of

Formal and Informal Rural Credit in Four Provinces of Vietnam

DEFF Research Database (Denmark)

Barslund, Mikkel Christoffer; Tarp, Finn

This paper uses a survey of 932 rural households to uncover how the rural credit market operates in four provinces of Vietnam. Households obtain credit through formal and informal lenders. Formal loans are almost entirely for production and asset accumulation, while informal loans are used...... for consumption smoothening. Interest rates fell from 1997 to 2002, reflecting increased market integration. Moreover, the determinants of formal and informal credit demand are distinct. While credit rationing depends on education and credit history, in particular, regional differences in the demand for credit...

7 CFR 1738.31 - Full faith and credit.

Science.gov (United States)

2010-01-01

... 7 Agriculture 11 2010-01-01 2010-01-01 false Full faith and credit. 1738.31 Section 1738.31... AGRICULTURE RURAL BROADBAND ACCESS LOANS AND LOAN GUARANTEES Types of Loans § 1738.31 Full faith and credit. Loan guarantees made under this part are supported by the full faith and credit of the United States. ...

An effective suggestion method for keyword search of databases

KAUST Repository

Huang, Hai; Chen, Zonghai; Liu, Chengfei; Huang, He; Zhang, Xiangliang

2016-01-01

This paper solves the problem of providing high-quality suggestions for user keyword queries over databases. With the assumption that the returned suggestions are independent, existing query suggestion methods over databases score candidate

Monetary Policies And Credit Financing As Factors In Agricultural ...

African Journals Online (AJOL)

Global Journal of Agricultural Sciences ... cheap interest rate polices has negative effect on credit supply while policies associated with plough ... credit was influenced mainly by the availability of credit subsidies and availability of guarantees.

ENHANCEMENT OF THE CREDIT GRANTING SYSTEM OF AGRICULTURAL PRODUCERS

Directory of Open Access Journals (Sweden)

Yuliya Evgenievna Klishina

2015-08-01

Full Text Available The credit granting system of agricultural enterprises which developed now doesn’t promote development of agricultural production in spite of the facts that are accepted and are financed by the state of the development program of agrarian and industrial complex in various directions. Financial credit relations in the sphere of agrarian and industrial complex are in a stage of formation and have no system nature, in them features of agricultural production are insufficiently considered.In article the directions of development of credit support of agricultural industry, participation of the state in system of agricultural crediting are considered, offers on forming of a three-level credit granting system of agricultural industry which is urged to provide availability of credit resources to all categories of agricultural producers are made.

76 FR 41590 - Equal Credit Opportunity

Science.gov (United States)

2011-07-15

... discriminate in any aspect of a credit transaction on the basis of sex, race, color, religion, national origin... with questions about their credit score, even if creditors are not in a position to answer those... best position to identify the key factors that affected the score, and the creditor could rely on that...

Credit Ratings and Bank Monitoring Ability

NARCIS (Netherlands)

Nakamura, L.I.; Roszbach, K.

2010-01-01

In this paper we use credit rating data from two Swedish banks to elicit evidence on these banks’ loan monitoring ability. We do so by comparing the ability of bank ratings to predict loan defaults relative to that of public ratings from the Swedish credit bureau. We test the banks’ abilility to

Multiple Layers of Credit and Mortgage Crises

OpenAIRE

Paula Hernandez-Verme

2011-01-01

I examine a production economy with a financial sector that contains multiple layers of credit. Such layers are designed to constitute credit chains which are inclusive of a simple mortgage market. The focus is on the nature and contagion properties of credit chains in an economy where the financial sector plays a real allocative role and agents have a nontrivial choice of whether to default on mortgages or not. Multiple equilibria with different rates of default are observed, due to the pres...

Credit Card Attitudes and Behaviors of College Students

Science.gov (United States)

Joo, S.-H.; Grable, J. E.; Bagwell, D. C.

2005-01-01

At a southwestern public university, 242 students responded to a questionnaire about their credit-card use and attitudes. The results revealed that about 70 percent of the students held one or more credit cards, and about 10 percent had five or more credit cards. Twenty-two percent never kept copies of their charge slips, and only 49 percent paid…

5 CFR 1315.13 - Commodity Credit Corporation payments.

Science.gov (United States)

2010-01-01

... 5 Administrative Personnel 3 2010-01-01 2010-01-01 false Commodity Credit Corporation payments... PAYMENT § 1315.13 Commodity Credit Corporation payments. As provided in § 1315.1(d), the provisions of... Credit Corporation (CCC) pursuant to Section 4(h) of the Act of June 29, 1948 (15 U.S.C. 714b(h)) (“CCC...

The impact of the credit legislation on consumers

Directory of Open Access Journals (Sweden)

Hlako Choma

2016-12-01

Full Text Available The purpose of this paper is to examine two South Africa legislations dealing with over indebtedness of a consumer. It is clear that in terms of the South African law, section 129 (1 and 130 (3 of the National Credit Act provide that a creditor provider who wishes to enforce a debt under a credit agreement must first issue a section 129 (1 (a notice to the consumer (the purpose of the notice is to notify the consumer of his/her arrears. On the other hand, the South African National Credit Act encourages the consumers to fulfil the financial obligations for which they are responsible. The second legislation to be examined which serve or appear to serve same purpose as the National Credit Act is the Insolvency Act. It therefore, postulated that the compulsory sequestration of a consumer in terms of the Insolvency Act would stand as an alternative remedy for a credit provider before she/he can have recourse mechanisms, such as debt review that are focused on satisfaction of the consumer’s financial obligation , in terms of the provisions of the National Credit Act. The paper determines to what extend these measures comply with the constitutional consumer protection demands. The legislature had been pertinently cognizant of the Insolvency Act when it lately enacted the National Credit Act. This is much apparent from the express amendment of section 84 of the Insolvency Act to the extent set out in schedule 2 of the National Credit Act

British and American attitudes toward credit cards.

Science.gov (United States)

Yang, Bijou; James, Simon; Lester, David

2006-04-01

American university students owned more than twice as many credit cards as British university students. However, scores on a credit card attitude scale predicted the number of cards owned by respondents in both countries.

76 FR 34985 - Farm Credit System Insurance Corporation Board Meeting

Science.gov (United States)

2011-06-15

... FARM CREDIT SYSTEM INSURANCE CORPORATION Farm Credit System Insurance Corporation Board Meeting AGENCY: Farm Credit System Insurance Corporation. SUMMARY: Notice is hereby given of the regular meeting of the Farm Credit System Insurance Corporation Board (Board). Date and Time: The meeting of the...

Retailer's optimal credit period and cycle time in a supply chain for deteriorating items with up-stream and down-stream trade credits

Science.gov (United States)

Mahata, Gour Chandra

2015-09-01

In practice, the supplier often offers the retailers a trade credit period and the retailer in turn provides a trade credit period to her/his customer to stimulate sales and reduce inventory. From the retailer's perspective, granting trade credit not only increases sales and revenue but also increases opportunity cost (i.e., the capital opportunity loss during credit period) and default risk (i.e., the percentage that the customer will not be able to pay off his/her debt obligations). Hence, how to determine credit period is increasingly recognized as an important strategy to increase retailer's profitability. Also, the selling items such as fruits, fresh fishes, gasoline, photographic films, pharmaceuticals and volatile liquids deteriorate continuously due to evaporation, obsolescence and spoilage. In this paper, we propose an economic order quantity model for the retailer where (1) the supplier provides an up-stream trade credit and the retailer also offers a down-stream trade credit, (2) the retailer's down-stream trade credit to the buyer not only increases sales and revenue but also opportunity cost and default risk, and (3) the selling items are perishable. Under these conditions, we model the retailer's inventory system as a profit maximization problem to determine the retailer's optimal replenishment decisions under the supply chain management. We then show that the retailer's optimal credit period and cycle time not only exist but also are unique. We deduce some previously published results of other researchers as special cases. Finally, we use some numerical examples to illustrate the theoretical results.

The market for tradable renewable energy credits

International Nuclear Information System (INIS)

Berry, David

2002-01-01

As states seek to foster the development of renewable energy resources, some have introduced renewable portfolio standards (RPSs) which require retailers of electricity to derive a specified amount of their energy supply from renewable energy resources. RPSs in Texas, Arizona, Wisconsin and Nevada allow for or require the use of tradable renewable energy credits. The price of such credits is expected to reflect the cost premium for generating electricity from renewable resources relative to the market price of conventionally generated electricity. Using the market to trade renewable energy credits exposes buyers and sellers to risks of imperfect information, poor performance, and opportunism. These risks can be managed through contractual arrangements and regulatory requirements pertaining to property rights in credits, pricing, term of the contract, and assurance of performance

Probabilistic assessment of dry transport with burnup credit

International Nuclear Information System (INIS)

Lake, W.H.

2003-01-01

The general concept of probabilistic analysis and its application to the use of burnup credit in spent fuel transport is explored. Discussion of the probabilistic analysis method is presented. The concepts of risk and its perception are introduced, and models are suggested for performing probability and risk estimates. The general probabilistic models are used for evaluating the application of burnup credit for dry spent nuclear fuel transport. Two basic cases are considered. The first addresses the question of the relative likelihood of exceeding an established criticality safety limit with and without burnup credit. The second examines the effect of using burnup credit on the overall risk for dry spent fuel transport. Using reasoned arguments and related failure probability and consequence data analysis is performed to estimate the risks of using burnup credit for dry transport of spent nuclear fuel. (author)

Pricing Chinese Convertible Bonds with Dynamic Credit Risk

Directory of Open Access Journals (Sweden)

Ping Li

2014-01-01

Full Text Available To price convertible bonds more precisely, least squares Monte Carlo (LSM method is used in this paper for its advantage in handling the dependence of derivatives on the path, and dynamic credit risk is used to replace the fixed one to make the value of convertible bonds reflect the real credit risk. In the empirical study, we price convertible bonds based on static credit risk and dynamic credit risk, respectively. Empirical results indicate that the ICBC convertible bond has been overpriced, resulting from the underestimation of credit risk. In addition, when there is an issue of dividend, the conversion price will change in China's convertible bonds, while it does not change in the international convertible bonds. So we also empirically study the difference between the convertible bond's prices by assuming whether the conversion price changes or not.

monetary policies and credit financing as factors in agricultural ...

African Journals Online (AJOL)

controls the supply of money. This assumes the ... input supply, marketing services and of course credit supply. Provision of ... credit in state, assess the impact of credit on agricultural ..... Inflation targeting be a framework for monetary policy.

Trade Credit and Informational Asymmetry.

OpenAIRE

Smith, Janet Kiholm

1987-01-01

Commonly used trade credit terms implicitly define a high interest rate that operates as an efficient screening device where information about buyer default risk is asymmetrically held. By offering trade credit, a seller can identify prospective defaults more quickl y than if financial institutions were the sole providers of short-ter m financing. The information is valuable in cases where a seller has made nonsalvageable investments in buyers since it enables the seller to take actions to pr...

Credit Stagnation in Latin America

OpenAIRE

Adolfo Barajas; Roberto Steiner

2002-01-01

This study examines the recent marked slowdown in bank credit to the private sector in Latin America. Based on the study of eight countries (Argentina, Bolivia, Brazil, Chile, Colombia, Peru, Mexico, and Venezuela), the magnitude of the slowdown is documented, comparing it to historical behavior and to slowdown episodes in other regions of the world. Second, changes in bank balance sheets are examined to determine whether the credit slowdown is merely a reflection of a slowdown in bank deposi...

Emissions credits from natural gas vehicles

International Nuclear Information System (INIS)

Anderson, J.F.; Kodjak, D.

1997-01-01

Dedicated natural gas vehicles (NGVs) often are capable of testing to lower than federally required engine certification standards. NGVs often meet inherently low emission vehicle (ILEV) and ultra low emission vehicle (ULEV) standards. Over the useful life of the vehicle, a significant amount of mobile source emission reduction credits (MSERCs) can be generated. This paper will discuss key elements of establishing a workable methodology to quantify the emissions benefits generated through the purchase and use of heavy-duty natural gas vehicles instead of heavy-duty diesel vehicles. The paper will focus on a public fleet of transit buses owned by the Massachusetts Bay Transit Agency, the Massachusetts Port Authority, and a private fleet of waste haulers. Public fleets may generate emission credits as a key compliance option to offset emission shortfalls from changes to the Employee Commute Options (ECO) program, the Inspection and Maintenance program, and facilitate annual surface transportation conformity. Private fleets may generate emission credits for open market trading to area and stationary sources seeking to buy credits from mobile sources, where allowed by EPA and state policy

Fish marketing and credit in Viet Nam

National Research Council Canada - National Science Library

Lem, Audun

2004-01-01

.... State-owned financial institutions play a major role in financing capital expenditure while working capital requirements are mainly met by informal sources of credit. However, future investment requirements and credit needs are greater than currently available.

Credit risk in liberalised power and natural gas markets

International Nuclear Information System (INIS)

Lapson, E.; Hunter, Richard

1999-01-01

This chapter examines the relationship of market structure and price volatility to credit risk, and discusses credit risk and energy market structures, credit risk in bilateral contracts, market evolution, and the effect of liberalising power markets on credit quality considering the power liberalising in Europe, the pace of change, and the new risks and opportunities. The market structure in Europe is addressed, and the EU Directive 96/92/EC, structural requirements, access for new generation capacity, and transmission costs are considered. Details of the liberalisation in the UK electricity market, the German market, and the Nord Pool are given, and the best credit practices in bilateral markets, and the quantifying of expected credit loss are described. Panels highlighting the need to know your counterparty in evaluating and negotiating bilateral contracts, and lessons learnt from the June 1998 US power price spike are presented

Implementation of burnup credit in spent fuel management systems

International Nuclear Information System (INIS)

Dyck, H.P.

2001-01-01

Improved calculational methods allow one to take credit for the reactivity reduction associated with fuel burnup. This means reducing the analysis conservatism while maintaining an adequate safety margin. The motivation for using burnup credit in criticality safety applications is based on economic considerations and additional benefits contributing to public health and safety and resource conservation. Interest in the implementation of burnup credit has been shown by many countries. In 1997, the International Atomic Energy Agency (IAEA) started a task to monitor the implementation of burnup credit in spent fuel management systems, to provide a forum to exchange information, to discuss the matter and to gather and disseminate information on the status of national practices of burnup credit implementation in the Member States. The task addresses current and future aspects of burnup credit. This task was continued during the following years. (author)

13 CFR 120.333 - Are there any special credit criteria?

Science.gov (United States)

2010-01-01

... addition to regular credit evaluation criteria, SBA shall weigh the greater risk associated with energy... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Are there any special credit criteria? 120.333 Section 120.333 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS...

The Impact of Upper Tropospheric Humidity from Microwave Limb Sounder on the Midlatitude Greenhouse Effect

Science.gov (United States)

Hu, Hua; Liu, W. Timothy

1998-01-01

This paper presents an analysis of upper tropospheric humidity, as measured by the Microwave Limb Sounder, and the impact of the humidity on the greenhouse effect in the midlatitudes. Enhanced upper tropospheric humidity and an enhanced greenhouse effect occur over the storm tracks in the North Pacific and North Atlantic. In these areas, strong baroclinic activity and the large number of deep convective clouds transport more water vapor to the upper troposphere, and hence increase greenhouse trapping. The greenhouse effect increases with upper tropospheric humidity in areas with a moist upper troposphere (such as areas over storm tracks), but it is not sensitive to changes in upper tropospheric humidity in regions with a dry upper troposphere, clearly demonstrating that there are different mechanisms controlling the geographical distribution of the greenhouse effect in the midlatitudes.

Potentials in Asian Export Credit Cooperation

Institute of Scientific and Technical Information of China (English)

无

2004-01-01

"Mekong River Regional Development Project advocated by Asian Development Bank (ADB) has been implemented. Trans-Asia Railway and Trans-Asia Highway are being discussed. It is a good opportunity for Asian Export Credit Agencies (ECAs) to cooperate and financing these large crossboarder projects."On May 11, at the 10th Annual Meeting of Asian Export Credit Agencies,

Compulsive buying and credit card misuse among credit card holders: The roles of self-esteem, materialism, impulsive buying and budget constraint

Directory of Open Access Journals (Sweden)

Nor Asiah Omar

2014-02-01

Full Text Available Purpose: This study aims to examine the factors that influence credit card misuse among working adults in Klang Valley, Malaysia. The relationship among self-esteem, materialism, impulsive buying, budget constraint, compulsive buying and credit card misuse are explored in this study. Design/methodology/approach: A total of 186 questionnaires was collected via convenience sampling from credit card users of working adults in Malaysia. A structural equation model that assesses the relationship between the proposed variables is tested using AMOS 20. Findings: The findings reveal that budget constraints, impulsive buying and materialism have a statistically significant influence on compulsive buying. In terms of credit card misuse, it is influenced negatively by self-esteem while positively by compulsive buying. Originality/value: Despite vast research on compulsive buying and credit card misuse, very few studies have examined it in the non-Western context.

Burnup credit for storage and transportation casks

International Nuclear Information System (INIS)

Wells, A.H.

1988-01-01

The application of burnup credit to storage and transportation cask licensing results in a significant improvement in cask capacity and an associated reduction of the cost per kilogram of uranium in the cask contents. The issues for licensing with burnup credit deal primarily with the treatment of fission product poisons and methods of verification of burnup during cask operations. Other issues include benchmarking of cross-section sets and codes and the effect of spatial variation of burnup within an assembly. The licensing of burnup credit for casks will be complex, although the criticality calculations are not themselves difficult. Attention should be directed to the use of fission product poisons and the uncertainties that they introduce. Verification of burnup by measurements will remove some of the concerns for criticality safety. Calculations for burnup credit casks should consider rod-to-rod and axial variations of burnup, as well as variability of burnable poisons it they are used in the assembly. In spite of the complexity of cask burnup credit licensing issues, these issues appear to be resolvable within the current state of the art of criticality safety

International capital tax evasion and the foreign tax credit puzzle

OpenAIRE

Kimberley A. Scharf

2001-01-01

This paper examines the role of international tax evasion for the choice of an optimal foreign tax credit by a capital exporting region. Since a foreign tax credit raises the opportunity cost of concealing foreign source income, it can be employed to discourage evasion activity. The existence of international tax evasion possibilities could thus help rationalize a choice of tax credit in excess of a deduction-equivalent credit level. Our analysis shows that, in general the optimal credit will...

Keyword extraction, ranking, and organization for the neuroinformatics platform.

Science.gov (United States)

Usui, S; Palmes, P; Nagata, K; Taniguchi, T; Ueda, N

2007-04-01

Brain-related researches encompass many fields of studies and usually involve worldwide collaborations. Recognizing the value of these international collaborations for efficient use of resources and improving the quality of brain research, the International Neuroinformatics Coordinating Facility (INCF) started to coordinate the effort of establishing neuroinformatics (NI) centers and portal sites among the different participating countries. These NI centers and portal sites will serve as the conduit for the interchange of information and brain-related resources among different countries. In Japan, several NI platforms under the support of NIJC (NI Japan Center) are being developed with one platform called, Visiome, already operating and publicly accessible at "http://www.platform.visiome.org". Each of these platforms requires their own set of keywords that represent important terms covering their respective fields of study. One important function of this predefined keyword list is to help contributors classify the contents of their contributions and group related resources. It is vital, therefore, that this predefined list should be properly chosen to cover the necessary areas. Currently, the process of identifying these appropriate keywords relies on the availability of human experts which does not scale well considering that different areas are rapidly evolving. This problem prompted us to develop a tool to automatically filter the most likely terms preferred by human experts. We tested the effectiveness of the proposed approach using the abstracts of the Vision Research Journal (VR) and Investigative Ophthalmology and Visual Science Journal (IOVS) as source files.

The Regulation of the Credit Card Market in Turkey

OpenAIRE

Ahmet Faruk Aysan; L. Yildiz

2006-01-01

The rapid growth in Turkish credit card market brought together new issues. Card holders and consumer unions complain about the high interest rates, economists complain about the default rates and banks complain about the amnesties. After all of these complaints coinciding with the accelerating suicide incidences due to credit card debts, regulation has been enacted in the credit card market in Turkey. In 2003, credit cards had been taken into the scope of the Consumer Protection Law. This wa...

Construction and Application Research of Isomap-RVM Credit Assessment Model

Directory of Open Access Journals (Sweden)

Guangrong Tong

2015-01-01

Full Text Available Credit assessment is the basis and premise of credit risk management systems. Accurate and scientific credit assessment is of great significance to the operational decisions of shareholders, corporate creditors, and management. Building a good and reliable credit assessment model is key to credit assessment. Traditional credit assessment models are constructed using the support vector machine (SVM combined with certain traditional dimensionality reduction algorithms. When constructing such a model, the dimensionality reduction algorithms are first applied to reduce the dimensions of the samples, so as to prevent the correlation of the samples’ characteristic index from being too high. Then, machine learning of the samples will be conducted using the SVM, in order to carry out classification assessment. To further improve the accuracy of credit assessment methods, this paper has introduced more cutting-edge algorithms, applied isometric feature mapping (Isomap for dimensionality reduction, and used the relevance vector machine (RVM for credit classification. It has constructed an Isomap-RVM model and used it to conduct financial analysis of China's listed companies. The empirical analysis shows that the credit assessment accuracy of the Isomap-RVM model is significantly higher than that of the Isomap-SVM model and slightly higher than that of the PCA-RVM model. It can correctly identify the credit risks of listed companies.

76 FR 13902 - Fair Credit Reporting Risk-Based Pricing Regulations

Science.gov (United States)

2011-03-15

... TRADE COMMISSION 16 CFR Parts 640 and 698 RIN R411009 Fair Credit Reporting Risk-Based Pricing... respective risk-based pricing rules to require disclosure of credit scores and information relating to credit scores in risk-based pricing notices if a credit score of the consumer is used in setting the material...

Ombud’s Corner: due credit!

CERN Multimedia

Sudeshna Datta-Cockerill

2016-01-01

Patents, copyrights, trademarks… there are many ways to protect intellectual property and yet, despite these precautionary measures, it seems that colleagues sometimes still slip up: plots done by one person are used in another’s presentation without being appropriately credited, citations are wrongly assigned, references are inaccurate…   Plagiarism and misappropriation do not only happen in the worlds of art, music and literature. Often in our world, during the preparation phase of a scientific paper or even just in their daily work, scientists are required to share the work of many contributors and sometimes they do not keep track of who did what. No-one minds as long as this stays within the limits of teamwork, in which credits are distributed evenly and nobody’s contribution gets forgotten. Problems arise however, when one person’s work ends up being presented by another without the correct credit, or indeed when someone is held back from p...

DID CREDIT CRUNCH CAUSE A COLLAPSE IN PRIVATE INVESTMENT?: TURKEY CASE

Directory of Open Access Journals (Sweden)

Birgül CAMBAZOĞLU

2011-07-01

Full Text Available The economists have focused on credit crunch since 1990’s. The economists are not in consensus as to what constitutes the credit crunch. The differences in definitions come from the causes of credit contraction. Credit crunch is generally accepted as an enormous decline period in credit supply. Although the credit crunch is seen as a supply phenomenon, some economists define it as a demand issue. Investment declines significantly as result of an increase in credit rationing. The purpose of this study is to investigate the dependence of private investment on money and credit supply in Turkey. In other words, we want to quantify the effect of credit contraction in the banking sector on private fixed investment. VAR model is used to identify the existence of credit crunch through four economic variables: Private fixed investment, money stock (M2, bank loans to private sector and interest rate of commercial loans for the period ranging from 2003:01 to 2010:08. According to results of this study, it can be said that the credit crunch that we dealt with as a supply phenomenon leads to an investment collapse (slump in Turkey. The paper proceeds as follows: Section I provides theoretical background of credit channels and credit crunch. Section II summarizes recent empirical studies. Section III describes variables and discusses the empirical findings of the model. Section IV provides concluding remarks.

The Effects of Credit Status on College Attainment and College Completion

OpenAIRE

Gicheva, Dora; Ionescu, Felicia; Simpson, Nicole B.

2012-01-01

College students now use various forms of unsecured credit such as private student loans and credit cards to finance college. Access to these credit lines and the interest rates charged on these loans can vary significantly across credit scores. In this paper, we analyze if credit status, as measured by self-reported characteristics of an individual's credit standing, affects college investment. Using data from the Survey of Consumer Finances, we study a sample of young high school graduates ...

Valuing Catastrophe Bonds Involving Credit Risks

Directory of Open Access Journals (Sweden)

Jian Liu

2014-01-01

Full Text Available Catastrophe bonds are the most important products in catastrophe risk securitization market. For the operating mechanism, CAT bonds may have a credit risk, so in this paper we consider the influence of the credit risk on CAT bonds pricing that is different from the other literature. We employ the Jarrow and Turnbull method to model the credit risks and get access to the general pricing formula using the Extreme Value Theory. Furthermore, we present an empirical pricing study of the Property Claim Services data, where the parameters in the loss function distribution are estimated by the MLE method and the default probabilities are deduced by the US financial market data. Then we get the catastrophe bonds value by the Monte Carlo method.

12 CFR 614.4540 - Other financing institution access to Farm Credit Banks and agricultural credit banks for funding...

Science.gov (United States)

2010-01-01

... maintain established or projected capital levels; or (ii) Raise funds in the money markets; or (2... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Other financing institution access to Farm... POLICIES AND OPERATIONS Farm Credit Bank and Agricultural Credit Bank Financing of Other Financing...

26 CFR 20.2014-1 - Credit for foreign death taxes.

Science.gov (United States)

2010-04-01

... 26 Internal Revenue 14 2010-04-01 2010-04-01 false Credit for foreign death taxes. 20.2014-1....2014-1 Credit for foreign death taxes. (a) In general. (1) A credit is allowed under section 2014... any foreign country (hereinafter referred to as “foreign death taxes”). The credit is allowed only for...

Navigation Signal Disturbances by Multipath Propagation - Scaled Measurements with a Universal Channel Sounder Architecture

Science.gov (United States)

Geise, Robert; Neubauer, Bjoern; Zimmer, Georg

2015-11-01

The performance of navigation systems is always reduced by unwanted multipath propagation. This is especially of practical importance for airborne navigation systems like the instrument landing system (ILS) or the VHF omni directional radio range (VOR). Nevertheless, the quantitative analysis of corresponding, potentially harmful multipath propagation disturbances is very difficult due to the large parameter space. Experimentally difficulties arise due to very expensive, real scale measurement campaigns and numerical simulation techniques still have shortcomings which are briefly discussed. In this contribution a new universal approach is introduced on how to measure very flexibly multipath propagation effects for arbitrary navigation systems using a channel sounder architecture in a scaled measurement environment. Two relevant scenarios of multipath propagation and the impact on navigation signals are presented. The first describes disturbances of the ILS due to large taxiing aircraft. The other example shows the influence of rotating wind turbines on the VOR.

A computer program for creating keyword indexes to textual data files

Science.gov (United States)

Moody, David W.

1972-01-01

A keyword-in-context (KWIC) or out-of-context (KWOC) index is a convenient means of organizing information. This keyword index program can be used to create either KWIC or KWOC indexes of bibliographic references or other types of information punched on. cards, typed on optical scanner sheets, or retrieved from various Department of Interior data bases using the Generalized Information Processing System (GIPSY). The index consists of a 'bibliographic' section and a keyword-section based on the permutation of. document titles, project titles, environmental impact statement titles, maps, etc. or lists of descriptors. The program can also create a back-of-the-book index to documents from a list of descriptors. By providing the user with a wide range of input and output options, the program provides the researcher, manager, or librarian with a means of-maintaining a list and index to documents in. a small library, reprint collection, or office file.

Quantifying Correlation Uncertainty Risk in Credit Derivatives Pricing

Directory of Open Access Journals (Sweden)

Colin Turfus

2018-04-01

Full Text Available We propose a simple but practical methodology for the quantification of correlation risk in the context of credit derivatives pricing and credit valuation adjustment (CVA, where the correlation between rates and credit is often uncertain or unmodelled. We take the rates model to be Hull–White (normal and the credit model to be Black–Karasinski (lognormal. We summarise recent work furnishing highly accurate analytic pricing formulae for credit default swaps (CDS including with defaultable Libor flows, extending this to the situation where they are capped and/or floored. We also consider the pricing of contingent CDS with an interest rate swap underlying. We derive therefrom explicit expressions showing how the dependence of model prices on the uncertain parameter(s can be captured in analytic formulae that are readily amenable to computation without recourse to Monte Carlo or lattice-based computation. In so doing, we crucially take into account the impact on model calibration of the uncertain (or unmodelled parameters.

Overcoming credit card fraud in South Africa

African Journals Online (AJOL)

A credit card is a convenient method of payment, but it does carry risks. The enormous ... Identity theft and the exponential ... Unique Security Features of a Credit Card with the Aim of Identifying ..... technology in an attempt to try and curb the.

Individual stock-option prices and credit spreads

NARCIS (Netherlands)

Cremers, M.; Driessen, J.; Maenhout, P.; Weinbaum, D.

2008-01-01

This paper introduces measures of volatility and jump risk that are based on individual stock options to explain credit spreads on corporate bonds. Implied volatilities of individual options are shown to contain useful information for credit spreads and improve on historical volatilities when

Are carbon credits effective?

International Nuclear Information System (INIS)

Anon.

2010-01-01

Is it possible to reduce greenhouse gas emissions by assigning a value to CO 2 ? That's the concept behind carbon credits. Their advantage: they set targets but let companies decide how to meet them. Of all the processes that can be used to reduce air pollution, the cap and trade system is the best way to meet global targets on a national or continental scale. The system's efficiency is based on setting a ceiling for emissions: this is the cap. The emissions quotas are negotiable goods that can be traded on a market: this is the 'trade'. No company can exceed its quotas, but it can choose how to meet them: decreasing its emissions by changing its production processes, buying carbon credits sold by companies that have exceeded their targets, or using clean development mechanisms. For a carbon credit system to function correctly on an economic level, it's essential to meet one condition: don't allocate too many emissions quotas to the companies involved. If they receive too many quotas, it's not hard for them to meet their objectives without changing their production processes. The supply of carbon credits currently exceeds demand. The price per ton of CO 2 is collapsing, and companies that have exceeded their targets are not rewarded for their efforts. Efficient though it may be, the cap and trade system cannot be the only way to fight CO 2 emissions. In Europe, it presently covers 40% of the CO 2 emissions by targeting utilities and industries that consume the most fossil fuels. But it cannot be extended to some sectors where pollution is diffuse. In transportation, for example, it's not possible to impose such a requirement. For that sector, as well as for the building sector, a suitable system of taxes might be effective and incentive

47 CFR 32.7210 - Operating investment tax credits-net.

Science.gov (United States)

2010-10-01

... 47 Telecommunication 2 2010-10-01 2010-10-01 false Operating investment tax credits-net. 32.7210....7210 Operating investment tax credits—net. (a) This account shall be charged and Account 4320, Unamortized Operating Investment Tax Credits—Net, shall be credited with investment tax credits generated from...

Money and Credit With Limited Commitment and Theft

OpenAIRE

Williamson, Stephen; Sanches, Daniel

2009-01-01

We study the interplay among imperfect memory, limited commitment, and theft, in an environment that can support monetary exchange and credit. Imperfect memory makes money useful, but it also permits theft to go undetected, and therefore provides lucrative opportunities for thieves. Limited commitment constrains credit arrangements, and the constraints tend to tighten with imperfect memory, as this mitigates punishment for bad behavior in the credit market. Theft matters for optimal monetary ...

Using the Keyword Mnemonics Method among Adult Learners

Science.gov (United States)

Campos, Alfredo; Camino, Estefania; Perez-Fabello, Maria Jose

2011-01-01

The aim of the present study was to assess the influence of word image vividness on the immediate and long-term recall (one-day interval) of words using either the rote repetition learning method or the keyword mnemonics method in a sample of adults aged 55 to 70 years. Subjects learned a list of concrete and abstract words using either rote…

Business fluctuations in a credit-network economy

Science.gov (United States)

Delli Gatti, Domenico; Gallegati, Mauro; Greenwald, Bruce; Russo, Alberto; Stiglitz, Joseph E.

2006-10-01

We model a network economy with three sectors: downstream firms, upstream firms, and banks. Agents are linked by productive and credit relationships so that the behavior of one agent influences the behavior of the others through network connections. Credit interlinkages among agents are a source of bankruptcy diffusion: in fact, failure of fulfilling debt commitments would lead to bankruptcy chains. All in all, the bankruptcy in one sector can diffuse to other sectors through linkages creating a vicious cycle and bankruptcy avalanches in the network economy. Our analysis show how the choices of credit supply by both banks and firms are interrelated. While the initial impact of monetary policy is on bank behaviour, we show the interactive play between the choices made by banks, the choices made by firms in their role as providers of credit, and the choices made by firms in their role as producers.

RENEWAL OF CRIMINAL LAW AGAINST ABUSE OF CREDIT CARDS

Directory of Open Access Journals (Sweden)

Eka Nugraha

2015-07-01

Full Text Available The use of credit cards for payment in lieu of cash since the introduction of the first credit card ever more widely known and used by people.   On the early introduction of this credit card, the wearer is limited to certain circles. However, a few decades later the credit card industry primarily enter the end of the Decade of the 1970s, has penetrated almost throughout all parts of the world, including Indonesia.   A credit card is issued by most commonly used by the public and apply the current International consists of a range of brands, among others, a very popular one is Visa and Master Card are each issued by the credit card company international and Master Card International.In practice many found the works in banking that may be subject to sanctions as set forth in the book of the law of criminal law (Criminal Code.

Writing Performance of At-Risk Learners in Online Credit Recovery

Science.gov (United States)

Leiter, Michael P.

2012-01-01

Online credit recovery is becoming a popular choice for students needing to recover lost graduation credit due to course failure. The problem is that high school students who take online credit recovery classes in order to gain writing credit for graduation are failing the writing section on the state merit exam (MME). At-risk students and…

26 CFR 20.2011-1 - Credit for State death taxes.

Science.gov (United States)

2010-04-01

... 26 Internal Revenue 14 2010-04-01 2010-04-01 false Credit for State death taxes. 20.2011-1 Section....2011-1 Credit for State death taxes. (a) In general. A credit is allowed under section 2011 against the... possession of the United States (hereinafter referred to as “State death taxes”). The credit, however, is...

26 CFR 1.45D-1 - New markets tax credit.

Science.gov (United States)

2010-04-01

... 26 Internal Revenue 1 2010-04-01 2010-04-01 true New markets tax credit. 1.45D-1 Section 1.45D-1... Computing Credit for Investment in Certain Depreciable Property § 1.45D-1 New markets tax credit. (a) Table... of new markets tax credit (B) Recapture event (ii) CDE reporting requirements to Secretary (iii...

Keyword Query Expansion Paradigm Based on Recommendation and Interpretation in Relational Databases

Directory of Open Access Journals (Sweden)

Yingqi Wang

2017-01-01

Full Text Available Due to the ambiguity and impreciseness of keyword query in relational databases, the research on keyword query expansion has attracted wide attention. Existing query expansion methods expose users’ query intention to a certain extent, but most of them cannot balance the precision and recall. To address this problem, a novel two-step query expansion approach is proposed based on query recommendation and query interpretation. First, a probabilistic recommendation algorithm is put forward by constructing a term similarity matrix and Viterbi model. Second, by using the translation algorithm of triples and construction algorithm of query subgraphs, query keywords are translated to query subgraphs with structural and semantic information. Finally, experimental results on a real-world dataset demonstrate the effectiveness and rationality of the proposed method.

The Supply of Trade Credit by Brazilian Publicly Traded Firms

Directory of Open Access Journals (Sweden)

Rafael Felipe Schiozer

2011-12-01

Full Text Available This paper investigates the determinants of trade credit supply by Brazilian publicly traded companies between the years of 2005 and 2008. International literature (both theoretical and empirical documents that the main determinants of trade credit supply are the size of the firm and the size of its debt. Both indicate that the availability of resources to the firm is an important factor for the supply of trade credit. In addition, the literature confirms strategic uses of trade credit such as those for price discrimination purposes. The results obtained using a sample of 157 Brazilian companies do not support that size and indebtedness are relevant determinants for trade credit supply, but they confirm the supply of trade credit as a strategic tool for the firms. Additionally we observed a significant decrease in trade credit supply in 2008, the year in which a severe international financial crisis took place.

Achieving LEED credit for ergonomics: Laying the foundation.

Science.gov (United States)

Lynch, Mallory

2014-01-01

Despite guidance from the United States Green Building Council (USGBC) on the requirements for earning a Leadership in Energy and Environmental Design (LEED) ergonomics credit in the Innovation in Design and Innovation in Operations category, few projects have received the credit. The University of California, Berkeley ergonomics program, Ergonomics@Work, has aligned the ergonomics strategy to those of the USGBC and LEED to achieve the ergonomics credit in several new buildings. This article describes the steps needed to obtain the credit and highlights the opportunities it creates to partner with the project team to promote ergonomics. As a profession it is up to ergonomists to create the road map that incorporates ergonomics into the green building design.

Financial innovation and bank behavior : Evidence from credit markets

NARCIS (Netherlands)

Norden, L.; Silva Buston, C.F.; Wagner, W.B.

This paper investigates whether, and through which channel, the active use of credit derivatives changes bank behavior in the credit market, and how this channel was affected by the crisis of 2007–2009. Our principal finding is that banks with larger gross positions in credit derivatives charge

Tax credits and purchasing pools: will this marriage work?

Science.gov (United States)

Trude, S; Ginsburg, P B

2001-04-01

Bipartisan interest is growing in Congress for using federal tax credits to help low-income families buy health insurance. Regardless of the approach taken, tax credit policies must address risk selection issues to ensure coverage for the chronically ill. Proposals that link tax credits to purchasing pools would avoid risk selection by grouping risks similar to the way large employers do. Voluntary purchasing pools have had only limited success, however. This Issue Brief discusses linking tax credits to purchasing pools. It uses information from the Center for Studying Health System Change's (HSC) site visits to 12 communities as well as other research to assess the role of purchasing pools nationwide and the key issues and implications of linking tax credits and pools.

Dynamic Dependence and Diversification in Corporate Credit

DEFF Research Database (Denmark)

Christoffersen, Peter; Jacobs, Kris; Jin, Xisong

We characterize dependence and tail dependence in corporate credit using a new class of dynamic copula models which can capture dynamic dependence and asymmetry in large samples of firms. We also document important differences between the dependence dynamics for credit spreads and equity returns...

75 FR 49510 - Credit Watch Termination Initiative

Science.gov (United States)

2010-08-13

... DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT [Docket No. FR-5411-N-02] Credit Watch Termination Initiative AGENCY: Office of the Assistant Secretary for Housing--Federal Housing Commissioner, HUD. ACTION... FHA Credit Watch Termination Initiative. This notice includes a list of mortgagees which have had...

75 FR 17944 - Credit Watch Termination Initiative

Science.gov (United States)

2010-04-08

... DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT [Docket No. FR-5411-N-01] Credit Watch Termination Initiative AGENCY: Office of the Assistant Secretary for Housing--Federal Housing Commissioner, HUD. ACTION... FHA Credit Watch Termination Initiative. This notice includes a list of mortgagees which have had...

40 CFR 1042.715 - Banking emission credits.

Science.gov (United States)

2010-07-01

... 40 Protection of Environment 32 2010-07-01 2010-07-01 false Banking emission credits. 1042.715 Section 1042.715 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR POLLUTION..., Banking, and Trading for Certification § 1042.715 Banking emission credits. (a) Banking is the retention...

The Cross-Section of Credit Risk Premia and Equity Returns

DEFF Research Database (Denmark)

Friewald, Nils; Wagner, Christian; Zechner, Josef

Structural models a la Merton (1974) imply that rms' risk premia in equity and credit markets are related. We explore this relation, using the joint crosssection of stock returns and risk premia estimated from forward credit default swap (CDS) spreads. Consistent with structural models, we nd...... that rms' equity returns and Sharpe ratios increase with estimated credit risk premia and that the returns of buying high and selling low credit risk premium rms cannot be explained by traditional risk factors. Credit risk premia contain equity-relevant information neither captured by risk-neutral nor...

Who needs credit and who gets credit in Eastern Europe

NARCIS (Netherlands)

Brown, M.; Ongena, S.; Popov, A.; Yesin, P.

2011-01-01

Based on survey data covering 8,387 firms in 20 countries we compare the access to bank credit for firms in Eastern Europe to that in selected Western European countries. Our analysis reveals five main results. First, the firm-level determinants of the propensity to apply are similar in Eastern and

COGEMA/TRANSNUCLEAIRE's experience with burnup credit

International Nuclear Information System (INIS)

Chanzy, Y.; Guillou, E.

1998-01-01

Facing a continuous increase in the fuel enrichments, COGEMA and TRANSNUCLEAIRE have implemented step by step a burnup credit programme to improve the capacity of their equipment without major physical modification. Many authorizations have been granted by the French competent authority in wet storage, reprocessing and transport since 1981. As concerns transport, numerous authorizations have been validated by foreign competent authorities. Up to now, those authorizations are restricted to PWR Fuel type assemblies made of enriched uranium. The characterization of the irradiated fuel and the reactivity of the systems are evaluated by calculations performed with well qualified French codes developed by the CEA (French Atomic Energy Commission): CESAR as a depletion code and APPOLO-MORET as a criticality code. The authorizations are based on the assurance that the burnup considered is met on the least irradiated part of the fuel assemblies. Besides, the most reactive configuration is calculated and the burnup credit is restricted to major actinides only. This conservative approach allows not to take credit for any axial profile. On the operational side, the procedures have been reevaluated to avoid misloadings and a burnup verification is made before transport, storage and reprocessing. Depending on the level of burnup credit, it consists of a qualitative (go/no-go) verification or of a quantitative measurement. Thus the use of burnup credit is now a common practice in France and Germany and new improvements are still in progress: extended qualifications of the codes are made to enable the use of six selected fission products in the criticality evaluations. (author)

Credit Risk Evaluation : Modeling - Analysis - Management

OpenAIRE

Wehrspohn, Uwe

2002-01-01

An analysis and further development of the building blocks of modern credit risk management: -Definitions of default -Estimation of default probabilities -Exposures -Recovery Rates -Pricing -Concepts of portfolio dependence -Time horizons for risk calculations -Quantification of portfolio risk -Estimation of risk measures -Portfolio analysis and portfolio improvement -Evaluation and comparison of credit risk models -Analytic portfolio loss distributions The thesis contributes to the evaluatio...

Credit Surety Fund: A credit innovation for micro, small, and medium-sized enterprises in the Philippines

OpenAIRE

Maningo, Gary V.

2016-01-01

Micro, small, and medium-sized enterprises are a backbone of the Philippine economy. One factor that hinders the growth of these enterprises is their difficulty in accessing finance from banks and other financial institutions. The Credit Surety Fund (CSF) was established to help these enterprises and other organizations become creditworthy and bankable. The CSF is a credit guarantee program initiated by the Bangko Sentral ng Pilipinas that enables enterprises and cooperatives to gain easier a...

Credit channels in Europe: a cross-country investigation

Directory of Open Access Journals (Sweden)

G.J. DE BONDT

1999-09-01

Full Text Available The work provides an economic analysis of the monetary transmission mechanism in Europe. The author reviews the literature on the money and credit view before describing cross-country differences in credit channel indicators and examining the existence of credit channels by distinguishing between households and firms. The relative importance of a bank lending and balance sheet channel is discussed by assessing impulse response functions from a vector error correction model.

26 CFR 1.1502-4 - Consolidated foreign tax credit.

Science.gov (United States)

2010-04-01

... 26 Internal Revenue 12 2010-04-01 2010-04-01 false Consolidated foreign tax credit. 1.1502-4... TAX (CONTINUED) INCOME TAXES Consolidated Tax Liability § 1.1502-4 Consolidated foreign tax credit. (a) In general. The credit under section 901 for taxes paid or accrued to any foreign country or...

Expanding Choice: Tax Credits and Educational Access in Montana

Science.gov (United States)

Carpenter, Dick M., II; Ross, John K.

2009-01-01

The evidence advanced in this report demonstrates that using tax credits to fund scholarships for students is both well-established and sound practice. Three existing credits allow taxpayer funds to flow to faith-based organizations, and one of those, the Qualified Endowment Credit, rewards contributions to more than a thousand charitable…

12 CFR 725.17 - Applications for extensions of credit.

Science.gov (United States)

2010-01-01

... NATIONAL CREDIT UNION ADMINISTRATION CENTRAL LIQUIDITY FACILITY § 725.17 Applications for extensions of credit. (a) A Regular member may apply for a Facility advance to meet its liquidity needs by filing an... Agent by its member natural person credit unions for pending loans to meet liquidity needs; or (ii...

12 CFR 614.4356 - Farm Credit Leasing Services Corporation.

Science.gov (United States)

2010-01-01