The loan fund allocation of banks to small and medium-sized enterprises should not only maximize the interests of banks, but also ensure that enterprises are allocated an appropriate amount of loans. First of all, carry on the data preprocessing, because the credit rating of the enterprise directly determines whether the bank lends to it or not, so as to eliminate the data of the enterprises that do not lend. Secondly, five quantitative analysis indexes, namely, total output tax, total input tax, profit, credit rating and default or not, are selected to quantitatively analyze the risk of each enterprise by establishing a fuzzy comprehensive evaluation model. In order to avoid subjectivity, the coefficient of variation method is used to calculate the index weight of each index of the fuzzy comprehensive evaluation model, and the weighted average method is used to determine the fuzzy comprehensive evaluation result. Establishment of credit risk assessment index system. Then, from the point of view of maximizing bank profits, the bank-to-enterprise credit strategy is formulated according to credit risk and credit policy, which is reflected by lending, loan line, interest rate and term. Because the exact value of the total credit of the bank is not given, when formulating the credit strategy, the credit line of each enterprise is reflected by the proportion of the enterprise credit line to the total credit line. In order to maximize bank profit, a linear optimization model of interest rate and customer turnover rate is established to fix customer loss and maximize bank interest rate.
Abstract With the continuous development of science and technology, people for the research and development of artificial intelligence gradually in-depth, intelligent technology is widely used, can help people to improve the state of life, improve people’s quality of life. This paper will analyze the computer artificial intelligence identification technology, explore its practical application in life, and put forward some suggestions for the development of intelligent technology.
In this letter, an efficient system of hyperspectral imaging is discussed, which is based on diffractive optic imaging technology. The system is a spectrometer that projects the spectral and spatial information onto a CCD detector. Each spectral image can be obtained by modified demodulation algorithm. The system structure and the basic theory are introduced. A spectrometer system that operates in the visible band is designed. The performance of the system is analyzed and evaluated. The virtual simulation experiment of diffractive optic imaging is established. The simulation of diffractive imaging and spectral demodulation of complex scene have been finished. The experiment PSF is used to demodulate the spectral images. The demodulation output images are almost the same as the initial input image. The validity and feasibility of the basic principle are proved by the simulation experiment result. The experiment system of diffractive optic imaging in visible band is also established in the laboratory. The prototype calibration system is set up. The precise calibration system is needed to be set up in the future. The advantages of diffractive optic imaging spectrometer are no slit and high throughput. The spectrometer can be widely used in remote sensing and other fields.
In the modernized industrial production,we should detect and control the temperature of various furnaces,such as heat treatment furnace,reactor and boiler.To meet this need,it′s necessary to develop a temperature control system which is of good performance and easy to operate.The development of a temperature measurement and control system which is more accurate and convenient to control the temperature of polarization slot.It can display the set temperature,control parameters and running of circuit by the keyboard.
With the development of the national strategy "the Belt and Road Initiatives ", that have brought new opportunities and challenges to China's port management and operation.Based on the research results of port management and operation at home and abroad, this paper firstly analyzes the shortcomings and potential emerging research hotspots in China's port management and operation, and then analyzes the progress of port management and operation.
Passive-state-preparation (PSP) continuous-variable quantum key distribution (CVQKD) protocol explores the intrinsic field fluctuations of a thermal source. Compared with traditional Gaussian-modulated coherent-state CVQKD, it does not need active modulations and has promising applications in chip integration and portable free-space quantum key distribution. In this Letter, we propose and experimentally realize a PSP CVQKD scheme with transmitted local oscillator (LO) through fluctuating transmittance free-space channel using an off-the-shelf amplified spontaneous emission source for the first time. By proposing thermal-state polarization multiplexing transmitted LO, synchronized channel transmittance monitoring and fine-grained phase compensation techniques, secure keys within −15 dB transmittance of simulated free-space channel with turbulence are generated, with a final average secure key rate of 1.015 Mbps asymptotically. Equivalent atmospheric turbulence model analysis shows that the free-space PSP CVQKD scheme provides a promising outlook for high-speed and chip-based CVQKD for kilometer-level atmospheric channel networks.
Abstract Soft ionic conductors, such as hydrogels and ionogels, have enabled stretchable and transparent ionotronics, but they suffer from key limitations inherent to the liquid components, which may leak and evaporate. Here, novel liquid‐free ionic conductive elastomers (ICE) that are copolymer networks hosting lithium cations and associated anions via lithium bonds and hydrogen bonds are demonstrated, such that they are intrinsically immune from leakage and evaporation. The ICEs show extraordinary mechanical versatility including excellent stretchability, high strength and toughness, self‐healing, quick self‐recovery, and 3D‐printability. More intriguingly, the ICEs can defeat the conflict of strength versus toughness—a compromise well recognized in mechanics and material science—and simultaneously overcome the conflict between ionic conductivity and mechanical properties, which is common for ionogels. Several liquid‐free ionotronics based on the ICE are further developed, including resistive force sensors, multifunctional ionic skins, and triboelectric nanogenerators (TENGs), which are not subject to limitations of previous gel‐based devices, such as leakage, evaporation, and weak hydrogel–elastomer interfaces. Also, the 3D printability of the ICEs is demonstrated by printing a series of structures with fine features. The findings offer promise for a variety of ionotronics requiring environmental stability and durability.
Dielectric elastomer (DE) membranes are able to self-deform with the application of an electric field through the thickness direction. In comparison to conventional rigid counterparts, soft actuators using DE provide a variety of advantages such as high compliance, low noise, and light weight. As one of the challenges in the development of DE actuating devices, tuning the electromechanical actuating behavior is crucial in order to achieve demanded loading paths and to avoid electromechanical failures. In this paper, our experimental results show that the electromechanical loading conditions affect the actuating behaviors of the DE. The electrical actuating force can be tuned by 29.4% with the control of the electrical charging rate. In addition, controllable actuations have been investigated by the mechanical model in manipulating the electromechanical loading rate. The calculated results agree well with the experimental data. Lastly, it is believed that the mechanisms of controlling the electromechanical loading rate may serve as a guide for the design of DE devices and high performance soft robots in the near future.
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