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Default or profit scoring credit systems?Evidence from European and US peer-to-peer lending markets

Financial innovation 2022年第1期8卷 954-974页

作者： Štefan Lyócsa petra va.a.ičová Branka Hadji Misheva Marko Dávid vateha Faculty of Management and Business University of PrešovPrešovSlovak Republic institute of Economic Research Slovak Academy of SciencesBratislavaSlovak Republic ZHAW School of Engineering WinterthurSwitzerland Depart-ment of Banking and international Finance Faculty of National EconomyUniversity of Economics in BratislavaBratislavaSlovak Republic Faculty of Economics and Administration Masaryk UniversityLipová507/41a60200 BrnoCzech Republic

For the emerging peer-to-peer(P2P)lending markets to survive,they need to employ credit-risk management practices such that an investor base is profitable in the long ***,credit-risk management relies on credit scoring that predicts loans’probability of *** this paper,we use a profit scoring approach that is based on modeling the annualized adjusted internal rate of returns of *** validate our profit scoring models with traditional credit scoring models,we use data from a European P2P lending market,Bondora,and also a random sample of loans from the Lending Club P2P lending *** compare the out-of-sample accuracy and profitability of the credit and profit scoring models within several classes of statistical and machine learning models including the following:logistic and linear regression,lasso,ridge,elastic net,random forest,and neural *** found that our approach outperforms standard credit scoring models for Lending Club and Bondora *** specifically,as opposed to credit scoring models,returns across all loans are 24.0%(Bondora)and 15.5%(Lending Club)higher,whereas accuracy is 6.7%(Bondora)and 3.1%(Lending Club)higher for the proposed profit scoring ***,our results are not driven by manual selection as profit scoring models suggest investing in more ***,even if we consider data sampling bias,we found that the set of superior models consists almost exclusively of profit scoring ***,our results contribute to the literature by suggesting a paradigm shift in modeling credit-risk in the P2P market to prefer profit as opposed to credit-risk scoring models.

关键词： Profit scoring Credit scoring Financial intermediation P2P Fintech

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Subcellular distribution of nitric oxide synthase isoforms in the rat duodenum

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World Journal of Gastroenterology 2011年第8期17卷 1026-1029页

作者： petra Talapka Nikolett Bódi izabella Battonyai éva Fekete Mária Bagyánszki Department of Physiology Anatomy and Neuroscience University of Szeged

AiM:To study the cell-type specific subcellular distribution of the three isoforms of nitric oxide synthase(NOS) in the rat ***:Postembedding immunoelectronmicroscopy was performed,in which primary antibodies for neuronal NOS(nNOS),endothelial NOS(eNOS),and inducible NOS(iNOS),were visualized with protein A-gold-conjugated secondary *** ultrathin sections were examined and photographed with a Philips CM10 electron microscope equipped with a MEGAViEW ii *** specificity of the immunoreaction in all cases was assessed by omitting the primary antibodies in the labeling protocol and incubating the sections only in the protein A-gold conjugated secondary ***:Postembedding immunoelectronmicroscopy revealed the presence of nNOS,eNOS,and iNOS immunoreactivity in the myenteric neurons,the enteric smooth muscle cells,and the endothelium of capillariesrunning in the vicinity of the myenteric plexus of the rat *** cell type-specific distributions of the immunogold particles labeling the three different NOS isozymes were *** the control experiments,in which the primary antiserum was omitted,virtually no postembedding gold particles were ***:This postembedding immunoelectronmicroscopic study provided the first evidence of celltype-specific differences in the subcellular distributions of NOS isoforms.

关键词：一氧化氮合酶亚细胞分布十二指肠亚型大鼠 MEGAViEW nNOS 抗体蛋白

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Biodegradable zinc-iron alloys: Complex study of corrosion behavior,mechanical properties and hemocompatibility

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Progress in Natural Science:Materials international 2021年第2期31卷 279-287页

作者： Z.Orságová Králová R.Gorejová R.Orin?aková M.petra?ková A.Orin?ak M.Kupková M.Hrubov?a?ková T.Sop?ák M.Baláz? i.Maska?ová A.Kovalc?íková K.Kova? Department of Physical Chemistry Faculty of Science Pavol Jozef ?afa?rik University in Ko?ice institute of Materials Research Slovak Academy of Sciences institute of Geotechnics Slovak Academy of Sciences University of Veterinary Medicine and Pharmacy in Ko?ice Department of Animal Nutrition Dietetics and Animal Breeding

Zn-Fe alloys have been extensively investigated in this study with a view to their application as biodegradable bone implants. Biogenic element zinc is a very appropriate metal because of the ideal degradation rate compared to those of Mg and Fe. Studied alloys were made by compressing metallic powders in a content ratio of 100% Zn,Zn-1% Fe, Zn-2% Fe, Zn-5% Fe and Zn-10% Fe and sintering at 350°C for 1 h. Prepared samples were examined by optical microscopy, SEM and XRD. Corrosion behavior, mechanical testing and hemocompatibility were observed subsequently. The electrochemical performance of such materials was studied in the simulated body fluids. The enhanced corrosion rate was observed for all samples after iron addition due to the micro-galvanic effect between the pure Zn and Zn;Fe intermetallic phase. The corrosion rate of the Zn-5% Fe alloyed sample was more than 20-times higher（2.89 mmpy） compared to the pure Zn. However, alloying with more than 5 wt %of iron diminished the mechanical performance of the material. Therefore, the performed mechanical and hemocompatibility tests showed acceptable biocompatibility of zinc and Zn-1% Fe and Zn-2% Fe samples.

关键词： Biodegradable materials Zinc iron Alloy Corrosion behavior Hemocompatibility

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Deficiency of Adenomatous Polyposis Coli protein in sporadic colorectal adenomas and its associations with clinical phenotype and histology

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World Journal of Gastroenterology 2006年第24期12卷 3901-3905页

作者： Martin Bortlík ivana Vítková Martina Pape(z|ˇ)ová Milada Kohoutová Ale(s|ˇ) Novotn(y|') Stanislav Adamec petra Chalupná Milan Luká(s|ˇ) Gastroenterology Center 4th internal Department General Faculty Hospital1st School of MedicineCharles UniversityPragueCzech Republic Department of Pathology General Faculty Hospital 1st School of MedicineCharles UniversityPragueCzech Republic institute for Biology and Medical Genetics General Faculty Hospital 1st School of MedicineCharles UniversityPragueCzech Republic

瞄准：评估腺瘤结肠息肉病(APC ) 蛋白质的损失的频率并且把 APC 地位与颜色的特征作比较表面的腺瘤。方法：APC 蛋白质的 immunohistochemical 分析在 118 个腺瘤上被执行，结果与病人的恶意的潜力，腺瘤的地点，宏观的外观和年龄的参... 详细信息

瞄准：评估腺瘤结肠息肉病(APC ) 蛋白质的损失的频率并且把 APC 地位与颜色的特征作比较表面的腺瘤。方法：APC 蛋白质的 immunohistochemical 分析在 118 个腺瘤上被执行，结果与病人的恶意的潜力，腺瘤的地点，宏观的外观和年龄的参数相比。结果：APC 蛋白质的完全的损失在 28 被发现的 A (24%) 腺瘤，当(76%) 90 是 APC 时积极。腺瘤的吝啬的尺寸是 13.5 +/- 14.2 公里(95% Ci 10.5-16.5 ) 在 APC 积极，并且 13.8 +/- 在 APC 否定的腺瘤的 15.5 公里(95% Ci 7.8-19.8 )(P = 0.364 ) 。统计分析没至于组织学的类型揭示 APC 积极、否定的腺瘤之间的差别(P = 0.327 ) 并且发育异常的等级(P = 0.494 ) 。我们发现甚至先进的腺瘤没与非先进的肿瘤在他们的 APC 地位不同(P = 0.414 ) 。最后，当时，没有差别被发现地点(P = 0.157 ) ，宏观的外观(P = 0.571 ) 并且病人的年龄(P = 0.438 ) 在两个 APC 积极、否定的腺瘤之间被分析并且比较。结论：大多数腺瘤表示了全身的 APC 蛋白质，建议那蛋白质表情不是为对 APC 基因变化的评价的一个可靠标记。APC 蛋白质的完全的损失没影响腺瘤的形态学，地点，或外观，它也不受病人的年龄影响。

关键词：腺瘤息肉大肠杆菌结肠癌直肠癌临床组织学

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Non-invasive prediction of persistent villous atrophy in celiac disease

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World Journal of Gastroenterology 2020年第26期26卷 3780-3791页

作者： Barbora Packova petra Kovalcikova Zdenek Pavlovsky Daniel Bartusek Jitka Prokesova Jiri Dolina Radek Kroupa Department of Gastroenterology and internal Medicine University Hospital BrnoFaculty of MedicineMasaryk UniversityBrno 62500Czech Republic institute of Biostatistics and Analyses Faculty of MedicineMasaryk UniversityBrno 62500Czech Republic Department of Pathology University Hospital BrnoFaculty of MedicineMasaryk UniversityBrno 62500Czech Republic Department of Radiology and Nuclear Medicine University Hospital BrnoFaculty of MedicineMasaryk UniversityBrno 62500Czech Republic

BACKGROUND Celiac disease(CD)is an immune-mediated enteropathy that is primarily treated with a gluten-free diet(GFD).Mucosal healing is the main target of the ***,duodenal biopsy is the only way to evaluate mucosal healing,and noninvasive markers are *** elevation of anti-tissue transglutaminase antibodies(aTTG)is not an ideal predictor of persistent villous atrophy(va).Data regarding prediction of atrophy using anti-deamidated gliadin peptide antibodies(aDGP)and abdominal ultrasonography are *** To evaluate the ability of aTTG,aDGP,small bowel ultrasonography,and clinical and laboratory parameters in predicting persistent va determined using *** Patients with CD at least 1 year on a GFD and available follow-up duodenal biopsy,levels of aTTG and aDGP,and underwent small bowel ultrasonography were included in this retrospective cohort *** evaluated the sensitivity,specificity,and positive and negative predictive values of aTTG,aDGP,small bowel ultrasonography,laboratory and clinical parameters to predict persistent va.A receiver operating characteristic(ROC)curve analysis of antibody levels was used to calculate cut off values with the highest accuracy for atrophy *** Complete data were available for 82 patients who were followed up over a period of four years(2014-2018).Among patients included in the analysis,women(67,81.7%)were predominant and the mean age at diagnosis was 33.8 *** biopsy revealed persistent va in 19 patients(23.2%).The sensitivity and specificity of aTTG using the manufacturer’s diagnostic cutoff value to predict atrophy was 50%and 85.7%,respectively,while the sensitivity and specificity of aDGP(using the diagnostic cutoff value)was 77.8%and 75%,*** of an optimal cutoff value using ROC analysis(13.4 U/mL for aTTG igA and 22.6 U/mL for aDGP igA)increased the accuracy and reached 72.2%[95%confidence interval(Ci):46.5-90.3]sensitivity and 90%(9

关键词： Celiac disease Villous atrophy Anti-tissue transglutaminase antibodies Antideamidated gliadin peptide antibodies Abdominal ultrasound Gluten-free diet

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Friend白血病病毒整合蛋白1基因沉默模拟先兆子痫的影响并诱导人脐动脉胶原合成

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中华高血压杂志 2023年第4期31卷 400-400页

作者： Agalakova Ni Reznik va Ershov iA Lupanova EA Nadei ov ivanov DO Adair DC Bagrov AY 刘青(翻译) 郑武洪(审校) 不详

已有研究证明,在先兆子痫患者中,内源性Na^(+)/K^(+)-ATP酶抑制剂海蟾蜍毒素(mari no bufagenin,MBG)水平升高会抑制Friend白血病病毒整合蛋白1(Friend leukemia virus integration 1,Fli1)水平,Fli1是Ⅰ型胶原蛋白合成的负调节因子。... 详细信息

已有研究证明,在先兆子痫患者中,内源性Na^(+)/K^(+)-ATP酶抑制剂海蟾蜍毒素(mari no bufagenin,MBG)水平升高会抑制Friend白血病病毒整合蛋白1(Friend leukemia virus integration 1,Fli1)水平,Fli1是Ⅰ型胶原蛋白合成的负调节因子。本文中研究者假设健康人脐动脉体外Fli1基因沉默与Ⅰ型胶原蛋白生成增加有关。

关键词：蟾蜍毒素人脐动脉 Ⅰ型胶原蛋白先兆子痫负调节因子胶原合成 ATP酶抑制剂整合蛋白

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Structural and molecular features of intestinal strictures in rats with Crohn's-like disease

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World Journal of Gastroenterology 2016年第22期22卷 5154-5164页

作者： petra Talapka Anikó Berkó Lajos istván Nagy Lalitha Chandrakumar Mária Bagyánszki László Géza Puskás éva Fekete Nikolett Bódi Department of Physiology Anatomy and Neuroscience Faculty of Sciences and Informatics University of Szeged H-6726 Szeged Hungary Avidin Ltd. H-6726 Szeged Hungary

AiM: To develop a new rat model we wanted to gain a better understanding of stricture formation in Crohn's disease(CD).METHODS: Chronic colitis was induced locally by the administration of 2,4,6-trinitrobenzenesulfonic acid(TNBS). The relapsing inflammation characteristic to CD was mimicked by repeated TNBS treatments. Animals were randomly divided into control, once, twice and three times TNBS-treated groups. Control animals received an enema of saline. Tissue samples were taken from the strictured colonic segments and also adjacent proximally and distally to its 60, 90 or 120 d after the last TNBS or saline administrations. The frequency and macroscopic extent of the strictures were measured on digital photographs. The structural features of strictured gut wall were studied by light- and electron microscopy. inflammation related alterations in TGF-beta 2 and 3, matrix metalloproteinases 9(MMP9) and TiMP1 m RNA and protein expression were determined by quantitative real-time PCR and western blot analysis. The quantitative distribution of caspase 9 was determined by post-embedding ***: intestinal strictures first appeared 60 d after TNBS treatments and the frequency of them increased up to day 120. From day 90 an intact lamina epithelialis, reversible thickening of lamina muscularis mucosae and irreversible thickening of the muscularis externa were demonstrated in the strictured colonic segments. Nevertheless the morphological signs of apoptosis were frequently seen and excess extracellular matrix deposition was recorded between smooth muscle cells(SMCs). Enhanced caspase 9 expression on day 90 in the SMCs and on day 120 also in myenteric neurons indicated the induction of apoptosis. The m RNA expression profile of TGF-betas after repeated TNBS doses was characteristic to CD, TGF-beta 2, but not TGF-beta 3 was up-regulated. overexpression of MMP9 and down-regulation of TiMP1 were demonstrated. The progressive increase in the amount of MMP9 p

关键词： Crohn’s disease Rat model TGF-beta intestinal strictures MMP9 TiMP1

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Alleviated mucosal and neuronal damage in a rat model of Crohn's disease

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World Journal of Gastroenterology 2014年第44期20卷 16690-16697页

作者： petra Talapka Lajos istván Nagy Alexandra Pál Marietta Zita Poles Anikó Berkó Mária Bagyánszki László Géza Puskás éva Fekete Nikolett Bódi Department of Physiology Anatomy and Neuroscience Faculty of Sciences and Informatics University of Szeged Avidin Ltd.

AiM:To establish a rat model suitable to investigate the repetitive relapsing inflammations(RRi)characteristic to Crohn’s ***:Colitis was induced by 2,4,6-trinitrobenzenesulfonic acid(TNBS).RRi were mimicked by repeating administrations of *** samples were taken from control,once,twice and three times treated rats from the inflamed and adjacent non-inflamed colonic segments at different timepoints during the acute intestinal *** means of the ulcerated area were measured to evaluate the macroscopic mu-cosal *** density of myenteric neurons was determined on whole mounts by Hu C/Hu D *** oxygenase-1(HO-1)expression was evaluated by molecular biological ***:TNBS-treated rats displayed severe colitis,but the mortality was negligible,and an increase of body weight was characteristic throughout the experimental *** widespread loss of myenteric neurons,and marked but transient HO-1 up-regulation were demonstrated after the first TNBS *** repeated doses the length of the recovery time and extent of the ulcerous colonic segments were markedly decreased,and the neuronal loss was on a smaller scale and was limited to the inflamed ***-1 m RNA level was notably greater than after a single dose and overexpression was sustained throughout the timepoints ***,the HO-1protein up-regulation after the second TNBS treatment proved to be *** the third treatment HO-1 protein expression could not be ***:Experimentally provoked RRi may exert a protective preconditioning effect against the mucosal and neuronal *** persistent up-regulation of HO-1 m RNA expression may correlate with this.

关键词： Crohn’s disease Experimental rat model Heme oxygen

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High-energy collider parameters

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Chinese Physics C 2014年第9期 392-396页

作者： K.A.Olive K.Agashe C.Amsler M.Antonelli J.-F.Arguin D.M.Asner H.Baer H.R.Band R.M.Barnett T.Basaglia C.W.Bauer J.J.Beatty V.i.Belousov J.Beringer G.Bernardi S.Bethke H.Bichsel O.Biebe E.Blucher S.Blusk G.Brooijmans O.Buchmueller University of Minnesota School of Physics and Astronomy 116 Church St.S.E. Minneapolis MN 55455 USA University of Maryland Department of Physics College Park MD 20742-4111 USA Albert Einstein Center for Fundamental Physics Universitat Bern CH-3012 Bern Switzerland Lab.Nazionali di Frascati dell'iNFN CP 13 via E.Fermi 40 i-00044 Frascati(Roma) italy Departement de physique Universite de Montreal C.P.6128 succ.centre-ville Montreal(Quebec) H3C 3J7 Canada Pacific Northwest National Laboratory 902 Battelle Boulevard Richland WA 99352 USA Department of Physics and Astronomy University of Oklahoma Norman OK 73019 USA Department of Physics University of Wisconsin Madison Wi 53706 USA Physics Division Lawrence Berkeley National Laboratory 1 Cyclotron Road Berkeley CA 94720 USA CERN European Organization for Nuclear Research CH-1211 Geneve 23 Switzerland Department of Physics The Ohio State University 191 W.Woodruff Ave. Columbus OH 43210 COMPAS Group institute for High Energy Physics RU- 142284 Protvino Russia LPNHE iN2P3-CNRS et Universites de Paris 6 et 7 F-75252 Paris France Max-Planck-institute of Physics 80805 Munich Germany Department of Physics University of Washington Seattle WA 98195 USA Ludwig-Maximilians-Universitat Fakultdt für Physik Schellingstr.4 D-80799 München Germany Enrico Fermi institute and Department of Physics University of Chicago Chicago iL 60637-1433 USA Department of Physics Syracuse University Syracuse NY 13244 USA Department of Physics Columbia University 538 W.120th Street New York NY 10027 USA High Energy Physics Group Blackett Laboratory imperial College Prince Consort Road London SW7 2AZ UK Jefferson Lab 12000 Jefferson Ave. Newport News va 23606 USA Department of Physics University of Virginia PO Box 400714 Charlottesville va 22904 USA Fermi National Accelerator Laboratory P.O.Box 500 Batavia iL 60510 USA Kavli institute for Cosmological Physics University of Chicago Chicago iL 60637-1433 USA Department of Physics and Astronomy University of Sussex Falmer Brighton BN1 9QH UK Department o

HiGH-ENERGY COLLiDER PARAMETERS:e+e-Colliders（i）Updated in September 2013 with numbers received from representatives of the colliders（contact ***,LBNL）.The table shows parameter values as achieved by July 1,*** are,where appropriate,r.m.s.;unless noted otherwise,energies refer to beam energy;H and V indicate horizontal and vertical directions;*** for *** for the defunct SPEAR,DORiS,petra,PEP,TRiSTAN,and VEPP-2M colliders may be found in our 1996 edition（***.D54,1 July 1996,Part i）.

关键词： LHC Pb High-energy collider parameters length CERN BEPC high MHz exp cell KEK

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