STATE ANTIPREDATORY LENDING LAWS AND NEIGHBORHOOD FORECLOSURE RATES

ABSTRACT: In this study, we examine the impact of state antipredatory lending laws (APLs) on neighborhood foreclosure and delinquency rates using a set of panel data regression models. We find strong evidence that neighborhoods have lower default rates in states with laws that extended federal coverage and/or restricted more mortgage contract terms, in states with broader coverage of subprime loans with high points and fees, and in states with more restrictive regulations on prepayment penalties. A typical APL lowers neighborhood default rates by between 3.8% and 18%, depending on the default risk measure considered. The findings remain consistent when we restrict the analysis to cross‐border neighborhoods, suggesting that they are not due solely to unobservable market variation.     

Application of MHD Phenomenon on Secondary Refining and Continuous Casting Process

In present work,the application of Magneto Hydrodynamics(MHD)to control the flow of liquid steel during secondary refining and continuous casting has been discussed.A mathematical model was developed to predict the flow field under magnetic field in different metallurgical reactors.As examples,the effect of traveling magnetic filed in RH degasser has been discussed,and the effect of electromagnetic brake(EMBR)on flow field during continuous casting process has also been discussed.The numerical results show that when the EMBR is installed near the nozzle port,the intensity of impinging jet near the narrow face mold wall is reduced,the downward flow becomes weaker,and the lower recirculation zone becomes smaller.The circulation flow rate with traveling magnetic field imposed around the up snorkel in RH degasser is greater than that with magnetic field imposed around the down snorkel if the gas flow rate is less than the saturated value,but they are almost the same if the gas flow rate is greater than the saturated value.     

AZ91D镁合金表面复合涂层的微观形貌与性能

为了提高AZ91D镁合金的耐腐蚀性和耐磨性,用硅酸盐体系溶液和以乙酸镍为主盐的镀液在AZ91D镁合金表面制备了等离子体电解氧化和化学镀镍复合涂层.SEM分析结果表明,复合涂层表面呈典型的胞状结构,复合涂层中的镀镍层自氧化膜的紧密层和疏松层的交界处向外生长,镀镍层和氧化膜之间呈机械咬合式结合.XRD分析结果表明,复合涂层外层和内层的相组成主要为非晶态Ni-P合金和Mg2SiO4、MgAl2O4等.与AZ91D镁合金相比,复合涂层的显微硬度为基体的6倍;自腐蚀电位提高了约1.2 V,自腐蚀电流密度降低了2个数量级.制备复合涂层之后,AZ91D镁合金的性能得到显著的改善.     

微生物驱油室内沙土管模拟实验

模拟油藏条件,设计了一套简单实用的室内沙土管模型,以验证兽疫链球菌应用于微生物驱提高石油采收率效果,系统探讨了温度、含油量、注入菌液浓度、闭井时间对微生物驱提高石油采收率的影响。该模型制作简单、成本低廉,达到了预期模拟效果;同时验证了兽疫链球菌具有良好的提高石油采收率效果,在温度为40℃、含油量为30%、菌液浓度为5.5×105个.mL-1、闭井时间为7 d的最优条件下,微生物驱提高石油采收率达22.14%。     

水位监测信息系统在排水管网管理中的应用

通过排水管网水位监测信息系统的建设,掌握排水管网的实时运行状况,辅助调度决策,评估排水管网的日常养护效果,能够为应急防汛提供预警,减少因排水管网隐蔽性导致的管理决策盲目性,提高排水管网的现代化科学管理水平。     

Interlayer-decoupled BiOX (X=Cl, Br, and I) sheets for photocatalytic water splitting:a computational study

In this work, we comprehensively study the electronic and photocatalytic properties of single-layer and multilayer bismuth oxyhalides Bi OX(X=Cl, Br, and I) sheets by means of extensive density functional theory, which have been successfully synthesized in the previous experimental studies. Our computational simulations show that single-layer Bi OX sheets possess indirect band gap, suitable band edge alignments, and pronounced optical properties, suggesting that they can be utilized as photocatalysts for splitting H₂O into H₂ and O₂ from theoretical aspects. In the case of multilayer Bi OX sheets, some primary physical properties determined the photocatalytic performance are rather robust, almost independent of the layer number. According to these calculated results, we are optimistic that Bi OX sheets, especially for single-layer Bi OI, have great chances to be used for photocatalytic water splitting.     

电场力显微镜不同探针对表面电荷注入的影响

在电场力显微镜(EFM)下利用不同金属镀层微探针,在微纳米尺度下对聚酰亚胺薄膜的表面电荷生成特性进行研究。采用电场力显微镜导电探针在聚酰亚胺薄膜表面注入电荷,并对微纳米区域产生的电荷进行表征,结果表明不同金属镀层的微探针对聚酰亚胺薄膜上电荷注入效果不同。铂铱合金镀层具有比钴铬合金镀层更高的功函数fm,因此前者在金属-电介质接触中产生更大肖特基势垒,进而降低了电荷的注入程度。该研究为微纳米尺度下探索聚合物绝缘材料表面电荷生成、发展机理提供了一个新的研究方法和途径。     

角度计量中三光栅光学系统应用分析

在目前的角度计量工作中普遍采用光电轴角编码器作为测角器件,而光栅系统由于具有分辨率高、稳定性好、出错率低、环境适应性强等特点而得到了计量界的认可。结合计量工作误差处理严谨、不确定度来源分析透彻的要求,在分析了三光栅光学系统原理的基础上,提出了针对其正弦输出信号的自适应滤波方法。     

基于改进DDPG算法的中短期光伏发电功率预测

针对传统仿生智能算法处理异构光伏发电功率预测精确建模问题时存在的线路多阻抗参数约束下方差波动、线损分析易陷入局部极值等不足,提出了一种基于改进深度确定性策略梯度(DDPG)的中短期光伏发电功率预测模型。首先,通过引入多智能体机制,视发电系统涉及到的发电过程参数为独立活性的智能体,构建出具有社会属性的面向发电过程参数信息共享的全局最优协同控制体系。然后,通过改进的DDPG算法实现蓄电池储能功率自主精确调节和发电网输出功率的自动最优预测。最后,基于Tensorflow开源框架在Gym torcs环境下进行模型效能仿真并以某示范性异构光伏发电网为效能评价载体,对模型进行了工程应用合理性验证。