A quadratic trigonometric spline for curve modeling

Subject. The study addresses the improvement of risk management efficiency and the quality of lending decisions made by banks. Objectives. The aim is to present the bank management with a fair algorithm for risk management motivation on the one hand, and the credit management (business) on the other hand. Within the framework of the common goal to maximize risk-adjusted income from loans, this algorithm will provide guidelines for ‘risk management’ and ‘business’ functions on how to improve individual and overall efficiency. Methods. The study employs the discriminant analysis, type I and II errors, Lorentz curve modeling, statistical analysis, economic modeling. Results. The paper offers a mechanism for assessing the quality of risk management decisions as opposed to (or in support of) decisions of the lending business when approving transactions. The mechanism rests on the approach of stating type I and II errors and the corresponding classical metric of the Gini coefficient. On the ‘business’ side, the mechanism monitors the improvement or deterioration of the indicator of changes in losses in comparison with the market average. Conclusions. The study substantiates the stimulating ‘rules of the game’ between the ‘business’ and ‘risk management’ to improve the efficiency of the entire business, to optimize interactions within the framework of internal competition. It presents mathematical tools to calculate corresponding indicators of the efficiency of internally competing entities.

Get full-text (via PubEx)

New method of curve modeling based on continuity for extension-Bézier curves

Journal of Computer Applications ◽

10.3724/sp.j.1087.2008.00187 ◽

2008 ◽

Vol 28 (1) ◽

pp. 187-190

Author(s):

Gang HU

Keyword(s):

New Method ◽

Bezier Curves ◽

Bézier Curves ◽

Curve Modeling

Get full-text (via PubEx)

Response Curve Modeling of Chemiresistive Gas Sensors by Modified Gompertz Functions

IEEE Sensors Journal ◽

10.1109/jsen.2021.3080595 ◽

2021 ◽

pp. 1-1

Author(s):

Guanlin Tang ◽

Sachin Navale ◽

Pianpian Yang ◽

Vikas Patil ◽

Florian Stadler

Keyword(s):

Gas Sensors ◽

Response Curve ◽

Curve Modeling ◽

Chemiresistive Gas Sensors

Get full-text (via PubEx)

The Use of Growth Curve Modeling to Analyze Change Over Time

Journal of Visual Impairment & Blindness ◽

10.1177/0145482x211000983 ◽

2021 ◽

Vol 115 (2) ◽

pp. 168-169

Author(s):

Robert Wall Emerson

Keyword(s):

Growth Curve ◽

Growth Curve Modeling ◽

Change Over Time ◽

Curve Modeling ◽

Over Time

Get full-text (via PubEx)

COVID-19 Perceived Impact and Psychological Variables as Predictors of Unhealthy Food and Alcohol Consumption Trajectories: The Role of Gender and Living with Children as Moderators

International Journal of Environmental Research and Public Health ◽

10.3390/ijerph18094542 ◽

2021 ◽

Vol 18 (9) ◽

pp. 4542

Author(s):

Camila Salazar-Fernández ◽

Daniela Palet ◽

Paola A. Haeger ◽

Francisca Román Mella

Keyword(s):

Mental Health ◽

Alcohol Consumption ◽

Depression Symptoms ◽

Unhealthy Food ◽

Psychological Variables ◽

Curve Modeling ◽

Perceived Impact ◽

Mental Health Factors ◽

The Impact ◽

Over Time

The present study examines the trajectories of unhealthy food and alcohol consumption over time and considers whether perceived impact of COVID-19 and psychological variables are predictors of these trajectories. We ascertained whether these predictors are different in women vs. men and between women living with vs. without children. Data were collected through online surveys administered to 1038 participants from two universities (staff and students) in Chile, across five waves (July to October 2020). Participants provided information about their past-week unhealthy food and alcohol consumption and mental health. Using latent growth curve modeling analysis, we found that higher perceived health and interpersonal COVID-19 impact, younger age and lower depression symptoms were associated with more rapid increases over time in unhealthy food consumption. On the other hand, higher perceived COVID-19 economic impact and older age were associated with more rapid diachronic decreases in alcohol consumption. Gender and living with or without children, for women only, were moderators of these trajectories. This longitudinal study provides strong evidence identifying the multiple repercussions of COVID-19 and mental health factors on unhealthy food and alcohol consumption. These findings highlight the need for interventions aimed at minimizing the impact of the pandemic on unhealthy food and alcohol consumption over time.

Get full-text (via PubEx)