美国高校助学贷款制度研究及启示

助学贷款是当今社会资助理念在高等教育机会均等过程中的具体体现。美国联邦助学贷款是其教育资助的主要形式。通过二级市场和中介机构的运作，美国助学贷款制度形成了一套完备的体系，而这对于我国的助学贷款制度的发展和完善具有重要的借鉴意义。     

多孔超弹性矩形板中微孔的增长

The analyses of finite deformation and stress for a hyperelastic rectangular plate with some voids under an uniaxial extension were conducted. The governing differential equations were given from the incompressibility condition of the material. The solution was approximately obtained from the minimum potential energy principle. The growth of voids was discussed. One can see that an initial central circular-cylinder void becomes an elliptic-cylinder void, but an initial non-centeral circular-cylinder void becomes an elliptic-like cylinder void and the center of void has a shift. The stress distributions along the edges of voids were given and the phenomenon of stress concentration was observed. The influences of the distribution manner and size of voids, as well as the distance between them on the growth of voids were analyzed.     

广东本科高校大学生网络平台信贷交易现状研究

近年来,校园贷款以其放贷快、门槛低等优势逐步进入大学生视野。随着校园贷款的风险事件的频频曝光,蓬勃发展的校园贷款模式被推向了舆论的风口浪尖。本文通过对广东本科院校大学生的消费情况以及经济情况进行调查,归纳网络贷款类型,分析大学生信贷原因,提出相关对策,为加强网络贷款监管力度以及完善网贷管理制度提供参考。     

CO催化氧化的实验与Monte Carlo模拟

主要对CO在Pt表面催化氧化反应的实验做了具体描述,介绍以ZGB模型为基础的MC模拟方法,得到一系列与实验较接近的模拟结果.在模拟中,重点考察重构表面的诱导相变和反应物的脱附等因素对反应的影响.     

嗅觉仪测定恶臭污染有效性研究

主要介绍了感官测定法较仪器分析方法在恶臭测量上的优点。将三点比较式臭袋法和动态嗅觉仪法作了系统比较研究,包括原理、嗅辨员筛选、平均嗅阈值、设备的稀释性能、所测参数等各方面。     

螯合离子色谱法测定茶叶中过渡金属及重金属含量

利用选择性螯合树脂和磺酸型交换树脂，在线将样品中的阴离子，碱金属，碱土金属，三价金属离子除去，同时浓缩富集待测的过渡金属，选择适当的梯度淋洗体系，将pb^2 ,Cu^2 ,Cd^2 ,Co^2 ,Zn^2 和Ni^2 等六种金属离子分离，继用在线柱后检测，检测限（信噪比为3：1）为ngmL^-1级甚至更低，并成功地应用于茶叶中过渡金属的测定。     

Experimental study and numerical simulation of the sludge concentration in a sedimentation tank

Sedimentation tanks and clarifiers play a significant role in an active sludge system, and the efficiency of the whole system is closely related with the design and operation of the sedimentation tanks. This paper focuses on the sludge concentration in each cross-section of the sedimentation tank. We measured the sludge concentration to explore its distribution inside the tank, carried in-situ tests to research the fluid pattern and real operational rules of the sedimentation tank. We also used the computational fluid dynamics (CFD) software, PHOENICS 3.5, to simulate the solid-liquid two-phase fluid inside the tank and describe the sludge concentration distribution. The numerical results indicate obviously a sludge-water interface and a compression interface inside the sedimentation tank, a stratified sedimentary region with uniform concentration and a compression region with high concentration at the bottom of the tank. Although the simulated concentrations deviated slightly from those of in-situ tests, they were still acceptable for identifying the sludge interfaces and fluid pattern inside a sedimentation tank, which are important parameters for optimizing the tank size and improving the settling efficiency.     

信息不对称下的个人住房抵押贷款交易与风险

本文将博弈论与信息经济学理论和模型引入对个贷市场借贷双方信息结构的研究,在考虑个贷利率、抵押物价值和借款人违约概率的情况下,分别建立消费者借款购房目标函数和贷款人放贷目标函数,分析交易达成条件和贷款人放贷策略。研究表明,在信息不对称的个贷市场中,贷款人放贷策略的局限性,如利率管制会降低信用配给的有效性,导致逆向选择和道德风险的产生。依据研究结论,本文提出从成本角度改善我国个贷市场借贷双方信息结构,降低个贷市场信用风险的途径与方法。     

染色液离子浓度对网织红细胞染色的影响

目的：探讨染色液中离子浓度对网织红细胞染色的影响。方法：采用不同离子浓度的染色液对72例血红蛋白正常血标本进行检查分析。结果：改良的离子浓度接近血浆渗透压的染色液染色的涂片背景清晰，无染料沉渣，网织红细胞结构清楚，并且棕色瓶内至少可保存3个月。结论：离子浓度与血浆渗透压接近的网织红细胞染色液染色效果好，值得临床推广使用。     

我国商业银行房地产贷款风险成因与防范

我国商业银行房地产贷款业务的发展具有自身的特殊性,本文从我国实际情况出发,对我国商业银行房地产贷款风险产生的特殊原因进行了深入分析,并在此基础上,通过借鉴国内外商业银行房地产贷款风险研究成果和结合我国商业银行房地产贷款风险管理实践经验,提出了商业银行房地产贷款风险防范措施。