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.     

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。     

变压器差动保护电流回路正确性检查方法探讨

对大容量油浸式电力变压器差动保护回路检查中的问题提出了解决方案.     

直吹式制粉系统W火焰锅炉混煤掺烧试验研究

在直吹式制粉系统W火焰锅炉上进行对比试验。试验表明:不同煤种采用磨内掺混、炉内混烧的方式难以掺混均匀,难燃尽煤种细度难控制,燃烧稳定性、经济性差;分磨制粉、炉内掺烧的方式煤粉细度可控,不同煤种燃烧器可均匀投运,并可采取不同的配风和燃烧控制方式,炉膛温度均匀,燃烧稳定,锅炉热效率比磨内掺混、炉内混烧提高1.65%。     

基于周期波动及其影响分析的电力市场中长期电价预测

电力市场中的中长期电价受众多不确定因素影响,很难用传统的经验统计方法建模预测。现有的预测方法一般从系统模拟角度出发进行预测,需要较多的系统信息资料,难度很大。本文采用经验模式分解将电价分解成多个相对独立的分量,详细分析不同的因素对于这些分量的影响,从不同的时间尺度分析电价的影响因素。根据分量的特点有针对性地选择时间序列和支持向量机建模预测。实例研究表明该方法适合于分析和预测复杂的中长期电价。     

用相对漏磁链法推导自耦调压变压器短路电抗

用相对漏磁链法对两种典型的自耦调压变压器短路电抗进行了推导。     

1.5kW激光二极管抽运Nd∶YAG薄片激光器

报道了一台输出功率超过1.5kW的激光二极管抽运Nd∶YAG双薄片激光器。设计了四通光学耦合系统,通过优化经微柱透镜准直后光束的发散角,实现了抽运光的近平顶分布。薄片激光介质镀完介质膜后镀Ti,Pt,Au实现金属化,再采用铟焊工艺焊接在铜微通道冷却器上,以提高散热效率和冷却的均匀性。采用两片直径40mm,厚度1.3mm的Nd∶YAG薄片激光介质,在两个二极管激光器阵列抽运下,当每个薄片上的抽运峰值功率为17.7kW,占空比10%时,获得了平均功率1.52kW的准连续激光输出,光-光转换效率达到43%,电-光转换效率超过20%。     

低功率密度激光合成金刚石的相变机制

为了延长激光法合成纳米金刚石的有效作用时间从而提高合成效率,提出采用功率密度低、脉宽长的毫秒脉冲激光照射循环水介质中石墨颗粒合成纳米金刚石的新工艺。高分辨透射电镜(HRTEM)及X射线衍射(XRD)分析结果表明,产物中含大量具有球形单晶体结构或五重孪晶结构的金刚石颗粒(平均颗粒尺寸约为5 nm)。通过对纳米金刚石微观组织结构的分析以及理论计算测算出低功率密度(106W.cm-2)毫秒脉冲激光照射时石墨颗粒表面可达到最高温度5300 K,认为该功率密度毫秒脉冲激光照射石墨颗粒时,不能产生碳等离子体,只能使石墨颗粒熔融,得到液态碳。因此生成纳米金刚石的相变机制为:激光脉冲开始时,石墨颗粒吸收激光能量快速升温并达到熔融状态,激光脉冲过后,碳液滴迅速冷却,金刚石形核并长大得到纳米晶。     

曲轴激光淬火工艺

为实现在将曲轴水平放置绕主轴转动条件下,对单拐或多拐曲轴的主轴和曲柄轴进行激光淬火和激光熔覆,建立了激光作用于曲拐表面形成螺线时的光斑轨迹方程。根据802D数控四轴联动激光淬火通用机床的运动特性,采用圆弧插补方法,以四轴联动方式编程,设计了激光网纹淬火数控程序。在四轴联动激光加工通用机床上实现了曲轴水平放置绕主轴转动对曲柄轴面的网纹进行激光淬火和激光表面熔覆。由于主轴匀速转动,定位不需要配重铁,工作过程稳定,可以一次装夹,不再改变曲轴回转中心,即可完成单拐或多拐曲轴的主轴和曲柄轴的激光淬火和激光熔覆,使802D数控四轴联动激光加工通用机床的功能得到发挥。