The presence of transunion , in this manner , enhances the soundness and transparency of consumer credit environment , shortens the time required to get credit facility , gets lower interest rate based on credit worthiness and cuts down the time frame to build a bonding relationship between consumer and credit provider 环联的成立增加整个消费信贷环境的透明度、并加快了批核信贷的程序。此外，消费者亦可根据其个人诚信，享有贷款利率的优惠，促使消费者与信贷提供机构建立更紧密的信贷关系。
Further , these low - rate base - band data will be processed by general - purpose dsp based on research project , high speed dedicated ddc based on fpga , after in - depth study in design rationale and technology details used by abroad mainstream ddc products , as well as the characteristics of fpga and possible application areas , this design improves the maximum processing speed and bandwidth of ddc by redesigning the system architecture of traditional ddc and implementing some modules in unconventional ways 本论文以科研项目《基于fpga实现高速专用数字下变频器》课题为依托,通过深入研究目前国外主流数字下变频产品的设计思想和技术细节,并根据fpga器件的特性,针对可能的应用场合,在传统数字下变频结构的基础上对系统结构进行了改进,采用非传统方式实现其中一些模块,提高了数字下变频器的最大处理速度和处理带宽。
According to the problem that the recovery rate is traditional treated as a constant or an independent stochastic variable by the classical credit risk pricing and management model , and problem that the negative correlation between the default probability and recovery rate is always neglected , this dissertation gets the exponential and logarithm regression models of default probablilty and recovery rate based on some empirical researches , and improves on several broadly applied credit risk models , such as structural hazard rate model , affine structure model , convertible bond pricing model and credit metrics model , and introduce the negative correlation between 针对传统的信用风险定价模型及信用风险管理模型将违约回收率看成是一个外生的常数或是一个独立的随机变量,而忽略回收率和违约概率之间的负相关性这一问题,本文应用相关实证研究得到了违约概率和回收率的指数和对数回归模型,并对应用非常广泛的结构化风险率模型、仿射结构模型、可转换债券定价模型和creditmetrics模型进行了改进和拓展,在新模型中应用指数和对数函数引入了这两个变量之间的负相关性。
The automat i c mon i tor i ng on the i oad i ng s i tuat i on of mov i ng f re i ght tra i ns should be implemented to ensure the operation security of railway fre i ght . the paper presents a new algorithm for freight train image segmentation with the aim of minimizing missing gauge - exceeding detection rate based on the image segmentation theory . the prof i le of the freight train and cargoes on the image is obtained with the arithmetic and whether cargoes exceeding the gauge or not is concluded by the location of the freight train and cargoes on the image 本文以数字图像处理原理中图像分割理论为基础，结合货车装载状态监测的实际情况和货车装载状态监测系统对图像分割的要求，以保证超限漏检率最小为目标，给出了货车图像自动分割的算法，获得货车及其所装载货物的分布区域，再根据该分布区域，得出货车装载状态是否超限的结论，从而实现对运行中货车的装载情况的自动监测。
Compared with common methods for measuring the photosynthesis rate based on consumption of co2 , the technique in this thesis can be used to quantify the plant photosynthesis capability with less interferences of the environment . we thus conclude that df is an excellent indicator for evaluating plant photosynthesis ability under its biological status 研究结果表明:植物叶片延迟荧光强度和现有的便携式光合速率测定仪在实验室条件下测得的光合速率具有很好的相关性，能较真实的反映植物在所处生理条件下的光合能力。
The article introduces the constitution and principle of the photo - electric foreign matter detector and cleaner , analyzed the main processing properties and its recent development of the cch that is a high - efficient automatic foreign matter cleaner , and researched the main factors affecting the detectable rate based on its process testing investigated , thus provided a reference for the development and application of this foreign matter cleaner 摘要介绍了光电检测异纤清除机的组成和作用原理，分析了cch高效自动分拣异纤机的主要工艺特性和最新发展，并结合工艺测试研究了影响检出率的主要因素，为异纤清除机的研制开发和应用提供参考。
In the other hand , to estimate riskless interest rates , the meanings of riskless interest rate were studied firstly . the finance risks were reasonable divided into breach of faith risks , liquidity risks , purchase risks and interest rate risks . the meanings of riskless interest rate were established and the riskless interest rates base on annual bond 另一方面，对于无风险利率的大小，本文从对风险的含义开始研究，把与我们相关的金融风险合理划分为违约风险、流动性风险、购买力风险和利率风险四大类，建立了无风险的合理内涵，确定以一年期国债利率为基准的无风险利率。
