scholarly journals E-Commerce Credit Risk Assessment Based on Fuzzy Neural Network

2022 ◽  
Vol 2022 ◽  
pp. 1-10
Author(s):  
Lina Wang ◽  
Hui Song
Keyword(s):  
Supply Chain ◽  
Credit Risk ◽  
Parameter Optimization ◽  
Structural Changes ◽  
Electronic Device ◽  
Self Organization ◽  
Principal Component Factor Analysis ◽  
The Core ◽  
Optimization Mechanism ◽  
Organization Mechanism

In this paper, we propose a cooperative strategy-based self-organization mechanism to reconstruct the network. The mechanism includes a comprehensive evaluation algorithm and structure adjustment mechanism. The self-organization mechanism can be carried out simultaneously with the parameter optimization process. By calculating the similarity and independent contribution of normative neurons, the effectiveness of fuzzy rules can be jointly evaluated, and effective structural changes can be realized. Moreover, this mechanism should not set the threshold in advance in practical application. In order to optimize the parameters of SC-IR2FNN, we developed a parameter optimization mechanism based on an interaction strategy. The parameter optimization mechanism based on a joint strategy, namely multilayer optimization engine, can split SC-IR2FNN parameters into nonlinear and linear parameters for joint optimization. The nonlinear parameters are optimized by an advanced two-level algorithm, and the linear parameters are updated with the minimum biological multiplication. Two parameter optimization algorithms optimize nonlinear and linear parameters, reduce the computational complexity of SC-IR2FNN, and improve the learning rate. Using the principal component factor analysis method, seven representative common factors are selected to replace the original variables, which include the profitability factor of the financing enterprise, the solvency factor of the financing enterprise, the profitability factor of the core enterprise, the operation guarantee factor, and the growth ability of the financing enterprise. Factors, supply chain online degree factors, financing enterprise quality, and cooperation factors, can well measure the credit risk of online supply chains. The logistic model shows that the profitability factor of the financing company, the debt repayment factor of the financing company, and the profitability of the core company are three factors that have a significant impact on the credit risk of online supply chain finance. Based on the improved credit calculation model, we developed an online clue risk calculation. This method is based on site conditions and can evaluate credit risk. From the test results, the improved credit scoring system is the result of facing speculative and circular credit fraud and implies that the traders of risk commentators are in a leading position in each electronic device. The results show that risk analysis is effective in any case.

scholarly journals Financial Credit Risk Evaluation Based on Core Enterprise Supply Chains

2018 ◽  
Vol 10 (10) ◽  
pp. 3699 ◽  
Author(s):  
WeiMing Mou ◽  
Wing-Keung Wong ◽  
Michael McAleer
Keyword(s):  
Supply Chain ◽  
Credit Risk ◽  
Supply Chains ◽  
Risk Evaluation ◽  
Operating Conditions ◽  
The Core ◽  
Supply Chain Finance ◽  
Enterprise Credit ◽  
Financial Credit ◽  
Core Enterprise

Supply chain finance has broken through traditional credit modes and advanced rapidly as a creative financial business discipline. Core enterprises have played a critical role in the credit enhancement of supply chain finance. Through the analysis of core enterprise credit risks in supply chain finance, by means of a ‘fuzzy analytical hierarchy process’ (FAHP), the paper constructs a supply chain financial credit risk evaluation system, making quantitative measurements and evaluation of core enterprise credit risk. This enables enterprises to take measures to control credit risk, thereby promoting the healthy development of supply chain finance. The examination of core enterprise supply chains suggests that a unified information file should be collected based on the core enterprise, including the operating conditions, asset status, industry status, credit record, effective information to the database, collecting related data upstream and downstream of the archives around the core enterprise, developing a data information system, electronic data information, and updating the database accurately using the latest information that might be available. Moreover, supply chain finance and modern information technology should be integrated to establish the sharing of information resources and realize the exchange of information flows, capital flows, and logistics between banks. This should reduce a variety of risks and improve the efficiency and effectiveness of supply chain finance.

The Impact of COVID-19 on Supply Chain Credit Risk

2020 ◽  
Author(s):  
Senay Agca ◽  
John R. Birge ◽  
Zi'ang Wang ◽  
Jing Wu
Keyword(s):  
Supply Chain ◽  
Credit Risk ◽  
The Impact

scholarly journals Influence of Salt on the Self-Organization in Solutions of Star-Shaped Poly-2-alkyl-2-oxazoline and Poly-2-alkyl-2-oxazine on Heating

Polymers ◽  
2021 ◽  
Vol 13 (7) ◽  
pp. 1152
Author(s):  
Tatyana Kirila ◽  
Anna Smirnova ◽  
Alla Razina ◽  
Andrey Tenkovtsev ◽  
Alexander Filippov
Keyword(s):  
Phase Separation ◽  
Salt Concentration ◽  
Monomer Unit ◽  
Salt Content ◽  
The Self ◽  
Self Organization ◽  
Phase Separation Temperature ◽  
The Core ◽  
Separation Temperature ◽  
Water Salt

The water–salt solutions of star-shaped six-arm poly-2-alkyl-2-oxazines and poly-2-alkyl-2-oxazolines were studied by light scattering and turbidimetry. The core was hexaaza[26]orthoparacyclophane and the arms were poly-2-ethyl-2-oxazine, poly-2-isopropyl-2-oxazine, poly-2-ethyl-2-oxazoline, and poly-2-isopropyl-2-oxazoline. NaCl and N-methylpyridinium p-toluenesulfonate were used as salts. Their concentration varied from 0–0.154 M. On heating, a phase transition was observed in all studied solutions. It was found that the effect of salt on the thermosensitivity of the investigated stars depends on the structure of the salt and polymer and on the salt content in the solution. The phase separation temperature decreased with an increase in the hydrophobicity of the polymers, which is caused by both a growth of the side radical size and an elongation of the monomer unit. For NaCl solutions, the phase separation temperature monotonically decreased with growth of salt concentration. In solutions with methylpyridinium p-toluenesulfonate, the dependence of the phase separation temperature on the salt concentration was non-monotonic with minimum at salt concentration corresponding to one salt molecule per one arm of a polymer star. Poly-2-alkyl-2-oxazine and poly-2-alkyl-2-oxazoline stars with a hexaaza[26]orthoparacyclophane core are more sensitive to the presence of salt in solution than the similar stars with a calix[n]arene branching center.

scholarly journals Protein Sensing Device with Multi-Recognition Ability Composed of Self-Organized Glycopeptide Bundle

2020 ◽  
Vol 22 (1) ◽  
pp. 366
Author(s):  
Mao Arai ◽  
Tomohiro Miura ◽  
Yuriko Ito ◽  
Takatoshi Kinoshita ◽  
Masahiro Higuchi
Keyword(s):  
Binding Site ◽  
Lipid Bilayer ◽  
Structural Changes ◽  
Bilayer Membrane ◽  
Lipid Bilayer Membrane ◽  
Target Protein ◽  
Self Organization ◽  
Specific Response ◽  
Target Proteins ◽  
Recognition Ability

We designed and synthesized amphiphilic glycopeptides with glucose or galactose at the C-terminals. We observed the protein-induced structural changes of the amphiphilic glycopeptide assembly in the lipid bilayer membrane using transmission electron microscopy (TEM) and Fourier transform infrared reflection-absorption spectra (FTIR-RAS) measurements. The glycopeptides re-arranged to form a bundle that acted as an ion channel due to the interaction among the target protein and the terminal sugar groups of the glycopeptides. The bundle in the lipid bilayer membrane was fixed on a gold-deposited quartz crystal microbalance (QCM) electrode by the membrane fusion method. The protein-induced re-arrangement of the terminal sugar groups formed a binding site that acted as a receptor, and the re-binding of the target protein to the binding site induced the closing of the channel. We monitored the detection of target proteins by the changes of the electrochemical properties of the membrane. The response current of the membrane induced by the target protein recognition was expressed by an equivalent circuit consisting of resistors and capacitors when a triangular voltage was applied. We used peanut lectin (PNA) and concanavalin A (ConA) as target proteins. The sensing membrane induced by PNA shows the specific response to PNA, and the ConA-induced membrane responded selectively to ConA. Furthermore, PNA-induced sensing membranes showed relatively low recognition ability for lectin from Ricinus Agglutinin (RCA120) and mushroom lectin (ABA), which have galactose binding sites. The protein-induced self-organization formed the spatial arrangement of the sugar chains specific to the binding site of the target protein. These findings demonstrate the possibility of fabricating a sensing device with multi-recognition ability that can recognize proteins even if the structure is unknown, by the protein-induced self-organization process.

THE ESSENCE AND CHARACTERISTICS OF THE DETERMINANTS OF SELF-COMMUNICATION DISCOURSE AS AN INTERNAL DIALOGUE

2021 ◽  
pp. 73-81
Author(s):  
I. A. Shapoval ◽  
Keyword(s):  
Differentiation Of Self ◽  
Mental Content ◽  
Self Concept ◽  
Self Organization ◽  
Common Goal ◽  
The Core ◽  
Self Confidence ◽  
Internal Dialogue ◽  
Study Results ◽  
The Common

The paper presents the interdisciplinary analysis of the determinants of the system of self-communication discourse and internal dialogue as the forms of objectivation of human mental content focused on some actions for meeting some objectives. The author describes discourse as integration of communication and language processes in self-understanding and personal identity. Contextually determined and dynamic self-communication discourse, as a way of acquirement of new senses and confirmation of old ones, verbalizes current personal values. The study results reveal the characteristics and relations of the internal dialogue discourse determinants within the human objectivity–subjectivity continuum. Discourse determinants prescribe its context and rules and include the prototype place and agents with their motives and objectives. Self-positions manifested in Self and Non-Self (Other Self) binary self-predications form the core pair of agents. The modality of a person’s attitude to own Self-positions makes their communications a dialogue or a monologue on the boundary of their sub-territories as a discourse prototype place. The degree of discourse agency, its closeness within the prototype place, or transgression openness depends on the complexity and differentiation of Self-concept and ego boundaries functionality. The frustration of meta-necessity to keep self-confidence and self-acceptance by reassessment and reformation of interrelations of Self-positions determines the motives and objectives of self-communication. The common goal of self-organization is implemented through the internal dialogue in the form of institutionalization, verification, and integration of their Self-predications. Status-role characteristics of agents and functionality of discourse prototype place determine the specificity of its motives and objectives according to the systemic effects of Self-organization.

scholarly journals Assembly of T-Antigen Double Hexamers on the Simian Virus 40 Core Origin Requires Only a Subset of the Available Binding Sites

1998 ◽  
Vol 18 (5) ◽  
pp. 2677-2687 ◽  
Author(s):  
Woo S. Joo ◽  
Henry Y. Kim ◽  
John D. Purviance ◽  
K. R. Sreekumar ◽  
Peter A. Bullock
Keyword(s):  
Structural Changes ◽  
Simian Virus 40 ◽  
Simian Virus ◽  
T Antigen ◽  
Wild Type ◽  
The Core ◽  
Structural Distortions ◽  
In The Wild ◽  
Sv40 Dna ◽  
Initial Assembly

ABSTRACT Initiation of simian virus 40 (SV40) DNA replication is dependent upon the assembly of two T-antigen (T-ag) hexamers on the SV40 core origin. To further define the oligomerization mechanism, the pentanucleotide requirements for T-ag assembly were investigated. Here, we demonstrate that individual pentanucleotides support hexamer formation, while particular pairs of pentanucleotides suffice for the assembly of T-ag double hexamers. Related studies demonstrate that T-ag double hexamers formed on “active pairs” of pentanucleotides catalyze a set of previously described structural distortions within the core origin. For the four-pentanucleotide-containing wild-type SV40 core origin, footprinting experiments indicate that T-ag double hexamers prefer to bind to pentanucleotides 1 and 3. Collectively, these experiments demonstrate that only two of the four pentanucleotides in the core origin are necessary for T-ag assembly and the induction of structural changes in the core origin. Since all four pentanucleotides in the wild-type origin are necessary for extensive DNA unwinding, we concluded that the second pair of pentanucleotides is required at a step subsequent to the initial assembly process.

scholarly journals Quantifying Soil Compaction in Persimmon Orchards Using ISUM (Improved Stock Unearthing Method) and Core Sampling Methods

Agriculture ◽  
2020 ◽  
Vol 10 (7) ◽  
pp. 266 ◽  
Author(s):  
Ehsan Moradi ◽  
Jesús Rodrigo-Comino ◽  
Enric Terol ◽  
Gaspar Mora-Navarro ◽  
Alexandre Marco da Silva ◽  
...  
Keyword(s):  
Ecosystem Services ◽  
Soil Erosion ◽  
Bulk Density ◽  
Soil Compaction ◽  
Structural Changes ◽  
Low Cost ◽  
Positive Contribution ◽  
The Core ◽  
Core Sampling ◽  
Core Method

Agricultural activities induce micro-topographical changes, soil compaction and structural changes due to soil cultivation, which directly affect ecosystem services. However, little is known about how these soil structural changes occur during and after the planting of orchards, and which key factors and processes play a major role in soil compaction due to cultivation works. This study evaluates the improved stock unearthing method (ISUM) as a low-cost and precise alternative to the tedious and costly traditional core sampling method, to characterize the changes in soil compaction in a representative persimmon orchard in Eastern Spain. To achieve this goal, firstly, in the field, undisturbed soil samples using metallic core rings (in January 2016 and 2019) were collected at different soil depths between 45 paired-trees, and topographic variations were determined following the protocol established by ISUM (January 2019). Our results show that soil bulk density (Bd) increases with depth and in the inter-row area, due to the effect of tractor passes and human trampling. The bulk density values of the top surface layers (0–12 cm) showed the lowest soil accumulation, but the highest temporal and spatial variability. Soil consolidation within three years after planting as calculated using the core samples was 12 mm, whereas when calculated with ISUM, it was 14 mm. The quality of the results with ISUM was better than with the traditional core method, due to the higher amount of sampling points. The ISUM is a promising method to measure soil compaction, but it is restricted to the land where soil erosion does not take place, or where soil erosion is measured to establish a balance of soil redistribution. Another positive contribution of ISUM is that it requires 24 h of technician work to acquire the data, whereas the core method requires 272 h. Our research is the first approach to use ISUM to quantify soil compaction and will contribute to applying innovative and low-cost monitoring methods to agricultural land and conserving ecosystem services.

scholarly journals The Research of Agricultural SMEs Credit Risk Assessment Based on the Supply Chain Finance

2021 ◽  
Vol 275 ◽  
pp. 01061
Author(s):  
Zeping Tong ◽  
Shuo Yang
Keyword(s):  
Supply Chain ◽  
Credit Risk ◽  
Financial Services ◽  
Agricultural Modernization ◽  
Basic Industry ◽  
Supply Chain Finance ◽  
Rural Revitalization ◽  
Efficiency Factors ◽  
And Control ◽  
Stable Development

Agriculture is a basic industry that supports the construction and development of the national economy and plays an important role in promoting rural revitalization. And in the current post-COVID-19 era, agricultural SMEs have difficulty in obtaining the favours of financial institutions in normal lending due to their weak credit guarantee capabilities and high credit management costs. Difficulty in financing has become a bottleneck problem that plagues the development of enterprises and restricts the development of agricultural modernization. How to evaluate and control its credit risk is not only a major way to solve the financing difficulties of agricultural SMEs, but also the basis for the stable development of supply chain financial services. This paper analyzes three typical financing modes of agricultural SMEs from the perspective of supply chain finance, and takes the agricultural SMEs in the New OTC Market as an example to construct a Logistic model, and uses factor analysis to effectively predict the credit risk of supply chain finance. The results show that the operational efficiency factors, growth factors and related core corporate profitability of agricultural SMEs financing enterprises significantly affect their credit risk. After testing, the model is highly accurate in predicting the financing risks of agricultural SMEs.

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