Search results for " Reference"
showing 10 items of 380 documents
New Approaches to Regulating the Activities of Rating Agencies: A Comparative Analysis
2016
Abstract Rating agencies have become an important part of the global financial landscape. Formation of credit ratings is specified by the inherent asymmetry of financial market information and general interest in the transformation of a large amount of diverse and segmented financial information in a simple and clear assessment of the credit surveillance of borrowers that is credit rating. The world financial crisis started in 2008 has again put on the agenda the question of rating assessment accuracy and the factors influencing the rating migration. The activity of rating agencies, until recently, has had little regulation, allowing rating agencies to avoid responsibility for inaccuracies …
CREDIT RISK MANAGEMENT IN COMMERCIAL BANKS
2016
The article proposes a model of credit risk assessment on the basis of factor analysis of retail clients / borrowers in order to ensure predictive control of the level of risk posed by potential clients in commercial banks engaged in consumer lending. The aim of the study is to determine the level of risk represented by different groups (classes) of retail clients (borrowers) in order to reduce and prevent credit risk in the future as well as to improve the management of banking risks. The main results of the study are the creation of a model of borrowers internal credit ratings and the development of the methods of improving credit risk management in commercial banks.
A geometric approach for predicting vertical stationary profiles of weakly inertial advecting-diffusing particles in closed incompressible flows
2004
Abstract Mixing of weakly inertial particles in closed flows is often addressed by considering individual particles as passive advecting-diffusing tracers, subjected to an additional settling velocity resulting from body forces (e.g. gravity). We show that the qualitative and quantitative features of the vertical particle distribution (i.e. the horizontal cross-sectional averages of particle concentration) can be predicted from the structure of the flow resulting from the superposition of the stirring field and the settling velocity. The prediction is based upon the observation that the resulting flow can be divided into two nonoverlapping regions, namely trajectories that are confined with…
Difference temperature-to-time electronic interface based on a thermistor-to-generalized impedance converter
2010
Abstract In this work a difference temperature-to-time converter is shown using two thermistors working in a DC generalized impedance converter. Voltage drop in one of the thermistors depends on the temperature difference between them. This voltage is compared with a time varying exponential reference voltage obtaining a time interval at the output circuit with good linear dependence with respect to the input temperature difference. Experimental results are obtained showing a new generalized impedance converter application. The implemented circuit was characterized by a repeatability of 1.0%, a reproducibility of 4.5% and a relative accuracy of 1.3%.
Growth rates of F0 and F1 larval and juvenile European seabass Dicentrarchus labrax in resonse to ocean acidification and warming
2022
Ongoing climate change is leading to warmer and more acidic oceans. The future distribution of fish within the oceans depends on their capacity to adapt to these new environments. Only few studies have examined the effects of ocean acidification (OA) and warming (OW) on the metabolism of long-lived fish over successive generations. We therefore aimed to investigate the effect of OA on larval and juvenile growth and metabolism on two successive generations of European sea bass (Dicentrarchus labrax L.) as well as the effect of OAW on larval and juvenile growth and metabolism of the second generation. European sea bass is a large economically important fish species with a long generation time…
Calcium in the prevention of postmenopausal osteoporosis: EMAS clinical guide
2017
Abstract Introduction Postmenopausal osteoporosis is a highly prevalent disease. Prevention through lifestyle measures includes an adequate calcium intake. Despite the guidance provided by scientific societies and governmental bodies worldwide, many issues remain unresolved. Aims To provide evidence regarding the impact of calcium intake on the prevention of postmenopausal osteoporosis and critically appraise current guidelines. Materials and methods Literature review and consensus of expert opinion. Results and conclusion The recommended daily intake of calcium varies between 700 and 1200 mg of elemental calcium, depending on the endorsing source. Although calcium can be derived either fro…
Direct and fast determination of polychlorinated biphenyls in contaminated soils and sediments by thermal desorption-gas chromatography-tandem mass s…
2019
Abstract A direct procedure based on thermal desorption-gas chromatography-tandem mass spectrometry (TD–GC–MS–MS) was developed for the fast extraction of seven polychlorinated biphenyls (PCBs) from sediments and soils. PCBs were directly extracted, from 20 to 75 mg of sample, without any chemical pre-treatment or use of organic solvents, after the addition of 10 µL internal standard (PCB 195) in acetone. Sample treatment was totally automated. PCBs were extracted at 250 °C for 20 min, using a helium flow and the PCBs were trapped in a cryogenic Tenax trap at −10 °C. After that, analytes were directly desorbed at 270 °C and introduced to the GC–MS–MS system. Recoveries were established usin…
Corpus analysis of phraseology in an A1 level textbook of German as a foreign language
2018
This paper aims to analyse the extent to which the textbook for German as a foreign language DaF kompakt A1 (Sander et al., 2011) complies with the recommendations of the Common European Framework of Reference for Languages (Council of Europe, 2001) (hereafter CEFR) in respect to lexical competence and sociolinguistic competence in receptive and productive activities, specifically with regard to phraseological units. In this respect, we have focused on sentential formulae and fixed frames present in a corpus containing the textbook materials, and we have checked whether those fixed expressions correspond to the phraseological and sociolinguistic compe-tences that are expected in the Framewo…
Laboratory parameters in centenarians of Italian ancestry
2008
Studies aimed at collecting reference parameters for haematochemical analysis in the elderly are scarce and for the oldest old subjects even more rare. In order to establish the reference values for the most common laboratory text in long living individuals, we measured haematochemical parameters in >100 years old subjects and in aged subjects as control. Six hundred and two centenarians accepted to be enrolled in the study. A case history containing the complete anamnesis, clinical examinations, evaluation of the clinical cognitive and functional tests, was prepared for each centenarian. Blood samples from 120 > 100 years old subjects free of chronic or acute Illness (i.e. Alzheimer’s dise…
Lifestyle counseling in overweight truck and bus drivers : Effects on dietary patterns and physical activity
2016
We studied dietary patterns, physical activity (PA), and monthly goal setting in a weight reduction intervention in long-distance professional drivers. The study was conducted in Finland in 2009–2012. Male drivers with waist circumference > 100 cm were randomized to a lifestyle counseling (LIFE, N = 55) and a reference (REF, N = 58) group. During 12 months, LIFE participated in 6 face-to-face and 7 telephone counseling sessions on diet and PA. Dietary patterns were assessed using an index combining food diary and counselor interview, and PA with the number of daily steps using a pedometer. Monthly lifestyle goals, perceived facilitators and barriers, and adverse effects of PA in the LIFE pa…