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FinB rain 2.0:when finance meets trustworthy AI

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Frontiers of Information Technology & Electronic Engineering 2022年第12期23卷 1747-1764页

作者： Jun ZHOU Chaochao CHEN Longfei LI Zhiqiang ZHANG xiaolin zheng College of Computer Science and Technology Zhejiang UniversityHangzhou 310027China Ant Group Hangzhou 310027China

Artificial intelligence(AI) has accelerated the advancement of financial services by identifying hidden patterns from data to improve the quality of financial decisions. However, in addition to commonly desired attributes,such as model accuracy, financial services demand trustworthy AI with properties that have not been adequately realized. These properties of trustworthy AI are interpretability, fairness and inclusiveness, robustness and security,and privacy protection. Here, we review the recent progress and limitations of applying AI to various areas of financial services, including risk management, fraud detection, wealth management, personalized services, and regulatory technology. Based on these progress and limitations, we introduce FinBrain 2.0, a research framework toward trustworthy AI. We argue that we are still a long way from having a truly trustworthy AI in financial services and call for the communities of AI and financial industry to join in this effort.

关键词： Artificial intelligence in finance Trustworthy artificial intelligence Risk management Fraud detection Wealth management

Exploring financially constrained small- and medium-sized enterprises based on a multi-relation translational graph attention network

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Frontiers of Information Technology & Electronic Engineering 2023年第3期24卷 388-402页

作者： Qianqiao LIANG Hua WEI Yaxi WU Feng WEI Deng ZHAO Jianshan HE xiaolin zheng Guofang MA Bing HAN College of Computer Science and Technology Zhejiang UniversityHangzhou 310000China MYbank Ant GroupHangzhou 310000China Department of Ant Intelligent Engine Technology Ant GroupHangzhou 310000China School of Computer and Information Engineering Zhejiang Gongshang UniversityHangzhou 310000China

Financing needs exploration(FNE),which exploresfinancially constrained small-and medium-sized enterprises(SMEs),has become increasingly important in industry forfinancial institutions to facilitate SMEs’development.In this paper,wefirst perform an insightful exploratory analysis to exploit the transfer phenomenon offinancing needs among SMEs,which motivates us to fully exploit the multi-relation enterprise social network for boosting the effectiveness of FNE.The main challenge lies in modeling two kinds of heterogeneity,i.e.,transfer heterogeneity and SMEs’behavior heterogeneity,under different relation types simultaneously.To address these challenges,we propose a graph neural network named Multi-relation tRanslatIonal GrapH a Ttention network(M-RIGHT),which not only models the transfer heterogeneity offinancing needs along different relation types based on a novel entity–relation composition operator but also enables heterogeneous SMEs’representations based on a translation mechanism on relational hyperplanes to distinguish SMEs’heterogeneous behaviors under different relation types.Extensive experiments on two large-scale real-world datasets demonstrate M-RIGHT’s superiority over the state-of-the-art methods in the FNE task.

关键词： Financing needs exploration Graph representation learning Transfer heterogeneity Behavior heterogeneity

民族地区县级融媒体铸牢中华民族共同体意识的价值意蕴与创新路径——基于西部12个省市区的考察

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西南民族大学学报（人文社会科学版） 2024年第1期45卷 18-27页

作者：吴锋郑晓琳西安交通大学新闻与新媒体学院西安交通大学马克思主义学院

少数民族文化作为中华民族文化的重要组成部分,是新时代铸牢中华民族共同体意识、建设中华民族现代文明的重要文化形态。“铸牢中华民族共同体意识”是党的民族工作和民族地区各项工作的主线,县级融媒体作为触达“最后一公里”的媒介平... 详细信息

少数民族文化作为中华民族文化的重要组成部分,是新时代铸牢中华民族共同体意识、建设中华民族现代文明的重要文化形态。“铸牢中华民族共同体意识”是党的民族工作和民族地区各项工作的主线,县级融媒体作为触达“最后一公里”的媒介平台,是铸牢中华民族共同体意识的有效赋能主体。西部民族地区县级融媒体已从文化、技术、社会三个维度展开铸牢中华民族共同体意识的实践,但仍存在价值赋能深度较浅、融入意识不足、实践路向不明等问题,亟须聚焦新时期民族团结工作主线,打造民族地区县级融媒体铸牢中华民族共同体意识的“三维赋能闭环”,进而建立既富有民族意蕴又兼具高质量赋能新时期民族地区宣传工作的县级融媒体旗舰队。

关键词：民族地区主流媒体铸牢中华民族共同体意识县级融媒体民族地区宣传工作

Enabling silicon photoanodes for efficient solar water splitting by electroless-deposited nickel

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Nano Research 2018年第6期11卷 3499-3508页

作者： Jiheng Zhao Thomas Mark Gill xiaolin zheng Department of Mechanical Engineering Stanford University Stanford 9430S USA

Enabling Si photoanodes for efficient solar water oxidation would facilitate the development of solar fuel conversion, but it is challenging owing to Si surface passivation via photo-induced corrosion in aqueous electrolytes. To overcome this challenge, most approaches have focused on improving the stability of Si by coating dense and thin protective layers using high vacuum-based techniques such as atomic layer deposition. However, these procedures are costly, making scalability for practical applications difficult. Herein, we report a modified electroless deposition （ELD） method to uniformly deposit protective and catalytic Ni films on Si wafers, resulting in efficient and stable Si photoanodes for solar water oxidation. The optimized Ni/n-Si photoanode achieves an onset potential of -1.09 V vs. a reversible hydrogen electrode and a saturation current density of -27.5 mA/cm^2 under AM 1.5 G illumination at pH 14. The ELD method is additionally capable of Ni deposition on a 4-inch n-Si wafer, demonstrating the first 4-inch Si photoanode. The solar water oxidation of the ELD-Ni/n-Si photoanode can be further improved by surface texturing, built-in n-p junctions, or coupling with more efficient catalysts.

关键词： Ni deposition electroless plating Si photoanode oxygen evolution reaction （OER） photoelectrochemical water splitting

Transcranial magnetic stimulation-induced finger force changes under various finger coordination patterns and target finger force phases

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Neural Regeneration Research 2010年第1期5卷 64-69页

作者： Xiaoying Wu Wensheng Hou xiaolin zheng Shan Shen Yingtao Jiang Jun zheng Yan He Key Laboratory of Biorheological Science and Technology Ministry of Education Bioengineering College Chongqing University Chongqing 400044 China Psychology Department University of Surrey Guildford Surrey Gu2 7XFI UK Department of Computer Science New Mexico Institute of Mining and Technology Socorro NM 87801 USA Department of Electrical and Computer Engineering University of Nevada Las Vegas NV 89154 USA

BACKGROUND： The detection of motor evoked potential is utilized to explore neuromuscular finger coordination. The influence of transcranial magnetic stimulation on finger force has been investigated mainly on a single finger, and only time-dependent increased target finger force has been detected in the finger force task. OBJECTIVE： To explore the neural mechanism of finger force coordination in the motor cortex by observing the influence of various finger coordination patterns and patterns of transcranial magnetic stimulation （TMS）-induced finger force changes. DESIGN, TIME AND SETTING： Neurophysiological and behavioral study was performed at the Biomedical Engineering Laboratory of Chongqing University from April to June 2008. PARTICIPANTS： A total of 10 healthy, university students, comprising 5 males and 5 females, aged 21-23 years, voluntarily participated in this study. All participants were right-handed, with normal or corrected vision. Individuals with upper limb complaints or other musculoskeletal disorders were excluded. METHODS： A target force-tracking task was conducted on the index finger, the index and middle fingers, and four fingers （index, middle, ring, and little）, respectively. Target force trace in a single trial consisted of a 6-second ramp phase, a 20-second constant phase, and a 6-second drop phase. During experimentation, an unpredictable single-pulse TMS （120% motor threshold） was applied to the primary motor cortex （M1） in each phase. MAIN OUTCOME MEASURES： Changes in peak force induced by TMS were obtained for each finger pattern during each force-tracking phase. Differences in force changes were tested between different finger pattems with regard to ramp, constant, and drop phases of target force. RESULTS： Under ramp, constant, and drop phases of target force, the increase in magnetic stimulation-induced finger forces changes positively correlated with the number of fingers involved in the force tracking task. The magnetic stimulation-induced force changes from the index finger were le

关键词： transcranial magnetic stimulation finger force peak force changes finger combination

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基于视频分析法激活小学英语教师内生力

英语教师 2024年第3期24卷 150-152页

作者：郑小林安徽省安庆市宜秀区罗岭中心学校安徽安庆246000

乡村振兴的背后其实是人才振兴、教育振兴。如何利用现存的大量优质教学视频和便捷的录播手段引导乡村青年教师自主开展专业能力提升工作,让学生享受到高质量的学习活动?依托“名师课堂”模式,从视频分析角度,针对激活教师的内生力、提... 详细信息

乡村振兴的背后其实是人才振兴、教育振兴。如何利用现存的大量优质教学视频和便捷的录播手段引导乡村青年教师自主开展专业能力提升工作,让学生享受到高质量的学习活动?依托“名师课堂”模式,从视频分析角度,针对激活教师的内生力、提升专业发展水平提出问题解决路径。通过在乡村学校的实践探索,总结出连续观摩学习、具体剖析研究、整体反思重构等方法,营造青年教师仿学创新的氛围,促进本地学科教研团队的效能升级。

关键词：视频分析名师课堂教师内生力小学英语

Correlation between primary motor cortex neural activity and fingertip force following transcranial magnetic stimulation

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Neural Regeneration Research 2010年第24期5卷 1905-1909页

作者： Xiaoying Wu Wensheng Hou xiaolin zheng Yingtao Jiang Jun zheng Yan He Key Laboratory of Biorheological Science and Technology Ministry of Education Bioengineering College Chongqing University Chongqing 400044 China Department of Electrical and Computer Engineering University of Nevada Las Vegas NV 89154 USA Department of Computer Science New Mexico Institute of Mining and Technology Socorro NM 87801 USA

A better understanding of the neural mechanisms of finger-force regulation can help to explain the relationship between the central nervous system and nerve-muscle force, as well as assist in motor functional rehabilitation and the development robot hand designs. In the present study, 11 healthy volunteers performed a different target force-tracking task, which involved the index finger alone, index and middle finger together, and the combination of four fingers （i.e., index, middle, ring, and little）. The target force trace corresponded to 3 levels of 20% maximal voluntary changes （MVC）, 30% MVC, and 40% MVC in 20 seconds. In the test, an unexpected single 120% motor threshold transcranial magnetic stimulation was applied to the primary motor cortex （M1） during force tracking. Results revealed that peak force changes increased with increasing background force and the number of involved task fingers. These results demonstrate that M1 neural activities correlate with finger-force production, and M1 plays a role in finger-force control. Moreover, different neuronal networks were required for different finger patterns; a complicated task required multi-finger combinations and a complicated neuronal network comprised a large number of neurons.

关键词： transcranial magnetic stimulation finger motor control neural activities primary motor cortex background force

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基层商业银行财务资源配置优化路径探究

市场周刊 2024年第5期37卷 89-92页

作者：郑晓琳秦农银行陕西西安710048

基层商业银行作为金融体系的重要组成部分,承担着服务实体经济、促进区域发展的重要使命。然而,基层商业银行在财务资源配置方面存在着诸多问题,文章从财务资源配置理论出发,分析了基层商业银行财务资源配置存在的问题及其成因,提出了... 详细信息

基层商业银行作为金融体系的重要组成部分,承担着服务实体经济、促进区域发展的重要使命。然而,基层商业银行在财务资源配置方面存在着诸多问题,文章从财务资源配置理论出发,分析了基层商业银行财务资源配置存在的问题及其成因,提出了基于履职质效提升的基层商业银行财务资源配置优化策略,包括坚持战略目标导向、优化组织架构、加强人员培训等,旨在为基层商业银行提高财务资源配置效率、提升履职质效、降低运营成本,以及实现可持续发展提供支持。

关键词：基层商业银行财务资源配置履职质效优化策略

1-MCP Regulates Ethanol Fermentation and GABA Shunt Pathway Involved in Kiwifruit Quality During Postharvest Storage

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Horticultural Plant Journal 2021年第1期7卷 23-30页

作者： Maratab Ali Muhammad Ammar Raza Shenge Li Lichao Zhou Chen Huan Shen Shuling xiaolin zheng College of Food Science and Biotechnology Key Laboratory of Fruits and Vegetables Postharvest and Processing Technology Research of Zhejiang ProvinceZhejiang Gongshang UniversityHangzhou 310018China National Institute of Food Science and Technology Faculty of FoodNutrition and Home SciencesUniversity of AgricultureFaisalabad 38800Pakistan Fruit Professional Cooperative of Huaji Shan in Linhai City LinhaiZhejiang 317000China

Kiwifruit(Actinidia deliciosa)‘Bruno’is prone to accumulate ethanol rapidly after respiratory climacteric during storage at ambient conditions without stresses,which causes quality deterioration of the fruit associated with alcohol off-flavor.For maintaining the postharvest quality of kiwifruit‘Bruno’,the effects of 1.0μL•L^−11-methylcyclopropene(1-MCP)treatment on regulating the ethanol fermentation andγ-aminobutyric acid(GABA)shunt pathway associated with control of alcohol off-flavor were investigated during storage at room temperature(24±1)°C for 27 days.The results showed that 1-MCP treatment significantly reduced the respiration rate,ethylene production,decay rate,ascorbic acid(AsA)loss,and delayed the decline in the firmness and titratable acidity(TA),and the increase in total soluble solid(TSS)in kiwifruit.Furthermore,1-MCP treatment effectively inhibited the increases in contents of acetaldehyde,ethanol,and GABA along with the suppressed activities of key enzymes involved in ethanol fermentation and GABA shunt pathway,such as pyruvate decarboxylase(PDC),alcohol dehydrogenase(ADH),glutamate decarboxylase(GAD),and GABA-transaminase(GABA-T)in kiwifruit during storage.In conclusion,1-MCP treatment efficiently regulated the ethanol fermentation and GABA shunt pathway by delaying the ripening process to avoid the alcohol off-flavor development,thereby contributed to maintaining the quality of the kiwifruit.

关键词： kiwifruit ethanol fermentation GABA shunt pathway 1-methylcyclopropene quality