建筑市场信用信息平台建设的解析与思考

分析了建筑市场信用信息平台建设的意义,介绍了征信国家信用信息平台的三种模式:政府主导、会员制运作与市场化运作。在此基础上,提出了建筑市场信用信息平台建设的总体思路与基本内容,并对其建设的要点及后续工作进行了探讨。     

装备承制单位履约信誉等级评估模型

装备承制单位在装备研制生产过程中会出现失信问题,开展科学合理的信誉评估工作具有重要意义.运用解释结构模型构建了递阶层次结构的装备承制单位履约信誉评估指标体系,给出了基于三角白化权函数的装备承制单位履约信誉灰色聚类等级评估模型,并通过实例对给出的方法进行分析和验证.验证结果表明:该方法简便、有效,可为军方评价承制单位的信誉度提供数量分析参考.     

供应链金融视角下的小微企业信用风险评价

近年来,随着小微企业融资难的问题日益凸显,供应链金融作为新的融资渠道,正受到越来越多的重视,科学、准确的风险评价对控制供应链金融中的信贷风险至关重要。通过建立和完善小微企业信用风险评价指标体系,采用BP神经网络模型为小微企业信用风险评价开辟新途径。BP神经网络是一种智能算法,它具有自我学习和自适应的特点。通过实例,分析和检测了该BP神经网络模型,结果令人满意。证明该模型确实可行,能够应用于供应链中各小微企业的信用风险评价。     

Strengthening housing finance in emerging markets: the savings and credit cooperative organisation (SACCO) model in Kenya

Abstract

Savings have long been an essential source of funding for credit. Whether in Europe, North America, Africa, Asia or Latin America, community-based financial institutions have relied on deposits to make financial services accessible to moderate-income borrowers. Despite the foundational role savings and loans have had in financial sector development, emerging markets have largely overlooked the important role these institutions can have in providing shelter credit in their own contexts. Savings and Credit Cooperative Organisations (SACCOs) in the Republic of Kenya illustrate the potential model for deposit-based lending to deliver housing finance for many of the country’s underserved prospective borrowers. This study draws upon the experiences of several savings and loan associations in the industrialized world with applications towards improving the Kenyan SACCO model that provides the most extensive credit union loans on the African continent. The article concludes community finance institutions merit strong consideration towards helping overcome the housing finance sector underdevelopment too often experienced in the developing world.     

跨地域跨部门协作建设中国产品质量信息权威平台

本文研究建立全国性的“中国质量信用信息平台”的基础条件;分析在当前质量监督管理组织架构下建立平台的困难;探讨了如何跨地域、跨部门协作采集产品及其质量信息,并保证其权威性;最后总结了各方在协作中的角色与分工.     

征信过程中个人信用信息隐私权的法律保护

征信机构在征集、利用个人信用信息的过程中,由于对个人信息的披露易给个人权益造成损害。如何避免个人隐私受到侵犯,是个人征信建设必须要考虑的问题。文中在分析信用立法较完善国家的经验的基础上,对我国征信过程中个人信用信息隐私权的立法提出建议。     

Thermal performance and embodied energy analysis of a passive house – Case study of vault roof mud-house in India

This paper investigates thermal performance of an existing eco-friendly and low embodied energy vault roof passive house (or mud-house) located at Solar Energy Park of IIT Delhi, New Delhi (India). Based on embodied energy analysis, the energy payback time for the mud-house was determined as 18 years. The embodied energy per unit floor area of R.C.C. building (3702.3 MJ/m²) is quiet high as compared to the mud-house (2298.8 MJ/m²). The mud-house has three rooms with inverted U-shape roof and remaining three rooms with dome shape roof. A thermal model of the house consisting of six interconnected rooms was developed based on energy balance equations which were solved by using fourth order Runge Kutta numerical method. The predicted six room air temperatures were found in good agreement with the experimental observed data on hourly basis in each month for one year. The annual heating and cooling energy saving potential of the mud-house was determined as 1481 kW h/year and 1813 kW h/year respectively for New Delhi composite climate. The total mitigation of CO₂ emissions due to both heating and cooling energy saving potential was determined as 5.2 metric tons/year. The annual carbon credit potential of mud-house was determined as € 52/year. Similar results were obtained for the different climatic locations in India.     

风电容量可信度研究综述与展望

风电容量可信度定义为等可靠性前提下风电机组可以替代的常规机组的容量占风电装机容量的比例,是衡量风电对电力系统充裕度贡献的重要指标。随着我国风电的大规模并网,风电容量可信度将成为电力规划中电力平衡的重要指标。综述了风电容量可信度的定义与主要计算方法,总结了风电容量可信度的影响因素,分析了风电容量可信度的变化机理,展望了未来有待进一步研究的方向。     

聚酯/聚醚型聚氨酯互换膜材的制备与应用

为了优化聚氨酯(PUR)包膜尿素控释性能,采用多亚甲基多苯基异氰酸酯分别与聚酯和聚醚多元醇按不同配比混合,依照不同次序先后喷涂在尿素颗粒表面制备聚酯型和聚醚型PUR互换层包膜尿素并利用分光光度法研究其控释性能。通过接触角、热重分析和扫描电子显微镜对膜材的润湿性、热稳定性和形貌进行了表征,并采用傅立叶变换红外光谱分析了尿素释放过程中膜层的结构变化。结果表明,聚酯型PUR的疏水性弱于聚醚型PUR,但热稳定性高于后者;两者的包覆次序影响PUR包膜尿素的控释效果,聚酯型PUR为外层、聚醚型PUR为内层时控释性能优良,当两者包覆比例(质量比)为1.5∶1.5时,释放期最长可达84 d。     

统一社会信用代码在网络电子地图中的应用研究

统一社会信用代码数据库应该是一个动态的数据库,每天都有大量数据变化,随时新增、变更、注销数据信息,应用统一社会信用代码的网络电子地图可以保证数据的新鲜程度。利用统一社会信用代码应用于网络电子地图系统的这一模式,可以在不涉密的情况下实现统一社会信用代码数据的商业化运用。进一步提高统一社会信用代码的知名度,给我国登记制度改革提供有效助力。