论WTO框架下我国国有商业银行的改革趋势

在WTO背景下,各行各业都在顺应入世潮流,大张旗鼓地进行改革,以便在大浪淘沙中保住一席之地,银行业也不例外。我国国有商业银行面临极大的挑战,要想生存,改革是大势所趋,针对国有商业银行的现状,提出国有商业银行的股份制改造是最终出路,并从三个方面对WTO框架下建立股份制商业银行进行了分析。     

Étude expérimentale du mélange réactif au sein d'un réacteur torique ondulé (RTO)

Reactive mixing in a wavy torus reactor (WTR) has been examined experimentally. Its performances are compared to these of two other reactors: a plane torus reactor (PTR) and a baffled stirred tank reactor (BSTR). hydrodynamics of mixing has been studied using a plug flow model with axial dispersion for the WTR and PTR. The effect of axial dispersion on the kinetic of a chemical reaction was then analysed for the WTR, PTR and BSTR. Mixing times were slightly longer for the WTR due to a weaker axial dispersion. We also noticed an improvement of the convertion rate for low dissipated power.     

对口丁坝双岸整治对黄河下游河道冲淤的影响

选取低含沙水沙系列、枯水多沙水沙系列以及规划设计的未来50 a水沙系列,利用黄河下游一维水沙数学模型,模拟计算了对口丁坝双岸治理方案下黄河下游河道在3种水沙系列条件下的冲淤状况。结果表明,游荡性河段采用对口丁坝方案整治后,输沙能力得到了提高,该河段多输送的泥沙一半以上输送到利津以下,其余部分淤积在高村—利津河段,其中淤积以高村—艾山河段为主,艾山—利津河段的冲淤情况与现状相比变化不大。     

利用翅片管束外表面降膜反应脱除烟气中SO2的实验研究

A new wet flue gas desulfurization method by reaction across the falling liquid film on the outside surface of axial finned-tube bundle and its principles of removal of SO₂ are presented in this paper.The effects of different styles of tube bundle,and the pitch of tubes,flue gas velocity,gas-liquid ratio and flue gas temperature on desulphurization efficiency and the moisture content of flue gas are studied.The experiment results show that desulphurization effect is better for flue gas at 65℃,4.0m·s^-1 against the tube bundle of 10 rows with relative pitch of staggered rows S₁/d=2.1,S₂/d=1.8.     

基于总体最小二乘法的混合滤波器组误差补偿算法

模拟分析滤波器的实现误差以及各子带间的增益、相位失配误差的存在都将影响混合滤波器组（HFB）的完美重构效果。针对以往矫正方法对信号源稳定度要求高、调试复杂的缺点,提出一种模数混合的HFB失配误差矫正系统结构。利用伪随机噪声覆盖信号全谱且功率谱密度为常数的特点作为矫正信号源,根据其二阶统计量计算期望的补偿器频域响应。提出一种新的基于总体最小二乘（TLS）算法的IIR形式补偿器设计方法,推导了以IIR滤波器系数为未知变量的线性方程组,并利用TLS算法有效抑制设计误差以及量化噪声等扰动因素影响,优化滤波器系数,减小失配误差影响。仿真结果表明该算法的结构简单、易于实现,同时能有效改善HFB的重构效果。     

我国中小企业银行信贷融资的法律对策探究

中小企业融资难是多年以来难以破解的世界性难题,它严重制约着我国中小企业的发展。目前我国中小企业虽然融资途径多样,但仍以银行贷款为其获得资金的主要途径。由于中小企业内部自身的缺陷、法律制度的缺失和银行的原因,造成中小企业的信贷融资困难,致使信贷融资难成为我国中小企业发展的难以突破的瓶颈。通过对中小企业贷款难现状和原因的分析,认为缓解中小企业银行信贷融资难的法律对策在于建立完善的中小企业信用担保体系和组建政策性的中小企业银行。     

基于积分法的热非平衡效应下剪切液膜流的表面波演化模型

当液膜表面同时存在热非平衡效应和切应力作用时,引发液膜流动不稳定的扰动及其影响将更为复杂。基于边界层理论,通过建立气液界面受热非平衡效应和切应力耦合作用的液膜流动的理论模型,采用包含弱非线性项的积分法,推导出热非平衡效应下剪切液膜流的表面波积分演化模型,模型中包括了相变强度、切应力、雷诺数和倾斜角度等不同参数的影响,为分析复杂边界条件下的液膜流的演化特征和稳定性提供了一种可借鉴的理论模型。     

How the environment determines banking efficiency: a comparison of banking firms in Taiwan,Hong Kong,and Mainland China

This study uses the three‐stage data envelopment analysis (DEA) model to explore the true managerial efficiency of the banking firms in Taiwan, Hong Kong, and Mainland China. The empirical results indicate that the environmental conditions have a significant impact on banking efficiency. When the country‐specific situations are important factors in explaining efficiency difference, the common frontier estimates obtained by neglecting those factors can generate biased and overestimated inefficiency levels. With findings obtained from the slack variable analyses, the current study can provide inefficient banks with ways to reduce their input waste through the adjustment of input allocations. The findings also confirm the importance of the three‐stage DEA and its applications in determining the true managerial efficiencies of banks. Without the three‐stage DEA, the management could be misguided when making strategic decisions and conducting inappropriate resource allocation.     

仿生波状前缘机翼动态失速控制的数值研究

该文提出了采用波状前缘机翼改善动态失速性能的有效控制方式。通过数值求解雷诺平均N-S方程,对比研究了波状前缘机翼和传统的光滑前缘机翼在动态失速时的力学性能和流动特征,并分析了前缘形状改进和可控拍动参数的影响,探讨有效的控制途径。研究结果表明,在深失速的动态失速控制中,波状前缘翼的复杂涡系能更稳定地附着在上翼面,其力学性能明显优于光滑前缘翼,尤其在大攻角范围内优势明显。波状前缘形状改变对升力能几乎没有影响,但转轴前移、增加拍幅和频率都能提高拍动波状前缘翼的升力。