绿色金融作为推动社会可持续发展的重要工具,受到了社会的广泛关注。商业银行作为金融体系的核心,其绿色信贷业务的开展对银行自身经营风险具有深远影响。本文旨在探讨绿色信贷对商业银行经营风险的影响效应,通过构建理论模型和实证分析,揭示绿色信贷对商业银行经营风险影响潜在机制。研究结果表明,商业银行实施绿色信贷政策可以降低银行的经营风险,在此基础上,不同地区与不同股权性质的银行执行绿色信贷政策的效果具有异质性。Green finance, as an important tool for promoting sustainable social development, has received widespread attention from society. As the core of the financial system, the development of green credit business by commercial banks has a profound impact on their own operational risks. This article aims to explore the impact of green credit on the operational risk of commercial banks. By constructing a theoretical model and empirical analysis, it reveals the potential mechanism of the impact of green credit on the operational risk of commercial banks. The research results indicate that the implementation of green credit policies by commercial banks can reduce their operational risks. On this basis, the effectiveness of green credit policies implemented by banks with different regions and equity types varies.
针对雨雾等复杂天气下无人机图像质量下降导致目标检测效果不佳的问题,提出基于上下文引导和提示学习的目标检测算法CGP-YOLO(context-guided and prompt-based YOLOv8)。构建一个多任务联合学习的检测网络,通过双分支结构达到平衡图像...
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针对雨雾等复杂天气下无人机图像质量下降导致目标检测效果不佳的问题,提出基于上下文引导和提示学习的目标检测算法CGP-YOLO(context-guided and prompt-based YOLOv8)。构建一个多任务联合学习的检测网络,通过双分支结构达到平衡图像检测和恢复的任务。提出基于提示学习的跨层注意力加权图像去噪分支,指导网络利用退化提示重构清晰的图像;模型主干设计基于上下文的残差采样模块,集成卷积注意力机制,综合目标的局部和全局信息;采用可分离大核多尺度特征提取模块,处理网络多尺度特征;引入小目标的专用检测头,增强小目标的检测精度。实验结果表明,在参数量仅为基线模型60%的情况下,该模型的检测精度提高了2.4个百分点,平均精度(mAP)提高了2.04个百分点,模型检测效果优于其他经典模型,具备卓越的性能。
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