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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 Vašaničová 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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Single atom Cu-N-C catalysts for the electro-reduction of CO_(2) to CO assessed by rotating ring-disc electrode

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Journal of Energy Chemistry 2024年第1期88卷 169-182,I0004页

作者： S.Pérez-Rodríguez M.Gutiérrez-Roa C.Giménez-Rubio d.Ríos-Ruiz P.Arévalo-Cid M.V.Martínez-Huerta A.Zitolo M.J.Lázaro d.Sebastián Instituto de Carboquímica(CSIC) Miguel Luesma Castán 450018 ZaragozaSpain Instituto de Catálisis y Petroleoquímica(CSIC) Marie Curie 228049 MadridSpain Synchrotron SOLEIL L’Orme des MerisiersDépartementale 12891190France

The electrochemical CO_(2) reduction reaction(CO_(2)RR) to controllable chemicals is considered as a promising pathway to store intermittent renewable energy. Herein, a set of catalysts based on copper-nitrogendoped carbon xerogel(Cu-N-C) are successfully developed varying the copper amount and the nature of the copper precursor, for the efficient CO_(2)RR. The electrocatalytic performance of Cu-N-C materials is assessed by a rotating ring-disc electrode(RRdE), technique still rarely explored for CO_(2)RR. For comparison, products are also characterized by online gas chromatography in a H-cell. The as-synthesized Cu-NC catalysts are found to be active and highly CO selective at low overpotentials(from -0.6 to -0.8 V ***) in 0.1 M KHCO_(3), while H_(2) from the competitive water reduction appears at larger overpotentials(-0.9 V vs. RHE). The optimum copper acetate-derived catalyst containing Cu-N_(4) moieties exhibits a CO_(2)-to-CO turnover frequency of 997 h^(-1) at -0.9 V vs. RHE with a H_(2)/CO ratio of 1.8. These results demonstrate that RRdE configuration can be used as a feasible approach for identifying electrolysis products from CO_(2)RR.

关键词： Cu-N-C Carbon xerogel Rotating ring disc electrode Carbon dioxide reduction reaction Carbon monoxide

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Liquid biopsy for gastric cancer:Techniques,applications,and future directions

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World Journal of Gastroenterology 2024年第12期30卷 1680-1705页

作者： Cristina díaz del Arco M Jesús Fernández Aceñero Luis Ortega Medina department of Surgical Pathology Health Research Institute of the Hospital Clínico San CarlosHospital Clínico San CarlosMadrid 28040Spain department of Legal Medicine Psychiatry and PathologyUniversidad Complutense de MadridMadrid 28040Spain

After the study of circulating tumor cells in blood through liquid biopsy(LB),this technique has evolved to encompass the analysis of multiple materials originating from the tumor,such as nucleic acids,extracellular vesicles,tumor-educated platelets,and other ***,research has extended to include the examination of samples other than blood or plasma,such as saliva,gastric juice,urine,or *** techniques are diverse,intricate,and *** must be highly sensitive,and pre-analytical,patient,and tumor-related factors significantly influence the detection threshold,diagnostic method selection,and potential ***,the implementation of LB in clinical practice still faces several *** potential applications of LB range from early cancer detection to guiding targeted therapy or immunotherapy in both early and advanced cancer cases,monitoring treatment response,early identification of relapses,or assessing patient *** the other hand,gastric cancer(GC)is a disease often diagnosed at advanced *** recent advances in molecular understanding,the currently available treatment options have not substantially improved the prognosis for many of these *** application of LB in GC could be highly valuable as a non-invasive method for early diagnosis and for enhancing the management and outcomes of these *** this comprehensive review,from a pathologist’s perspective,we provide an overview of the main options available in LB,delve into the fundamental principles of the most studied techniques,explore the potential utility of LB application in the context of GC,and address the obstacles that need to be overcome in the future to make this innovative technique a game-changer in cancer diagnosis and treatment within clinical practice.

关键词： Liquid biopsy Gastric cancer Circulating tumor cells Cell-free dNA Circulating tumor dNA Molecular

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Corneal collagen cross-linking in patients with keratoconus from the dresden protocol to customized solutions:theoretical basis

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International Journal of Ophthalmology(English edition) 2024年第5期17卷 951-962页

作者： Ciro Caruso Luca d’Andrea Mario Troisi Michele Rinaldi Raffaele Piscopo Salvatore Troisi Ciro Costagliola Corneal Transplant Center Pellegrini HospitalVia Portamedina alla Pignasecca 41Napoli 80127Italy Eye Clinic Department of NeurosciencesReproductive and Odontostomatological SciencesUniversity of Naples Federico IINaples 80131Italy Public Health department University of Naples Federico IINaples 80131Italy Salerno Hospital University Ophthalmologic UnitBaronissiCampania 84131Italy

Keratoconus is an ectatic condition characterized by gradual corneal thinning,corneal protrusion,progressive irregular astigmatism,corneal fibrosis,and visual *** therapeutic options regarding improvement of visual function include glasses or soft contact lenses correction for initial stages,gas-permeable rigid contact lenses,scleral lenses,implantation of intrastromal corneal ring or corneal transplants for most advanced *** keratoconus cases showing disease progression corneal collagen crosslinking(CXL)has been proven to be an effective,minimally invasive and safe *** consists of a photochemical reaction of corneal collagen by riboflavin stimulation with ultraviolet A radiation,resulting in stromal crosslinks *** aim of this review is to carry out an examination of CXL methods based on theoretical basis and mathematical models,from the original dresden protocol to the most recent developments in the technique,reporting the changes proposed in the last 15y and examining the advantages and disadvantages of the various treatment ***,the limits of non-standardized methods and the perspectives offered by a customization of the treatment are highlighted.

关键词： corneal collagen cross linking keratoconus custom fast protocol dresden protocol lambert-beer law Bunsen-roscoe law

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dynamic of Scalar Bosons in Aharonov-Bohm Magnetic Field

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Journal of Applied Mathematics and Physics 2024年第1期12卷 268-276页

作者： Frédéric d. Y. Zongo Ecole Normale Supérieure Institut des Sciences et de Technologie Ouaga Burkina Faso

We study the dynamic of scalar bosons in the presence of Aharonov-Bohm magnetic field. First, we give the differential equation that governs this dynamic. Secondly, we use variational techniques to show that the following Schrödinger-Newton equation: , where A is an Aharonov-Bohm magnetic potential, has a unique ground-state solution.

关键词： Scalar Boson Aharonov-Bohm Magnetic Field Schrödinger-Newton Equation Ground-State Solution

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Metabolomics for the diagnosis of bladder cancer: A systematic review

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Asian Journal of Urology 2024年第2期11卷 221-241页

作者： Herney Andrés García-Perdomo Angélica María dávila-Raigoza Fernando Korkes division of Urology/Urooncology Department of SurgerySchool of MedicineUniversidad del ValleCaliColombia UROGIV Research Group School of MedicineUniversidad del ValleCaliColombia Urologic Oncology Division of UrologyABC Medical SchoolSao PauloBrazil

Objective: Metabolomics has been extensively utilized in bladder cancer (BCa) research, employing mass spectrometry and nuclear magnetic resonance spectroscopy to compare various variables (tissues, serum, blood, and urine). This study aimed to identify potential biomarkers for early BCa ***: A search strategy was designed to identify clinical trials, descriptive and analytical observational studies from databases such as Medline, Embase, Cochrane Central Register of Controlled Trials, and Latin American and Caribbean Literature in Health Sciences. Inclusion criteria comprised studies involving BCa tissue, serum, blood, or urine profiling using widely adopted metabolomics techniques like mass spectrometry and nuclear magnetic resonance. Primary outcomes included description of metabolites and metabolomics profiling in BCa patients and the association of metabolites and metabolomics profiling with BCa diagnosis compared to control patients. The risk of bias was assessed using the Quality Assessment of Studies of diagnostic ***: The search strategy yielded 2832 studies, of which 30 case-control studies were included. Urine was predominantly used as the primary sample for metabolite identification. Risk of bias was often unclear inpatient selection, blinding of the index test, and reference standard assessment, but no applicability concerns were observed. Metabolites and metabolomics profiles associated with BCa diagnosis were identified in glucose, amino acids, nucleotides, lipids, and aldehydes ***: The identified metabolites in urine included citric acid, valine, tryptophan, taurine, aspartic acid, uridine, ribose, phosphocholine, and carnitine. Tissue samples exhibited elevated levels of lactic acid, amino acids, and lipids. Consistent findings across tissue, urine, and serum samples revealed downregulation of citric acid and upregulation of lactic acid, valine, tryptophan, taurine, glutamine, aspartic acid, uridine, rib

关键词： Metabolite Metabolomics Bladder cancer Metabolomicsprofile

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Temperature and structure measurements of heavy-ion-heated diamond using in situ X-ray diagnostics

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Matter and Radiation at Extremes 2024年第4期9卷 80-89页

作者： J.Lutgert P.Hesselbach M.Schorner V.Bagnoud R.Belikov P.drechsel B.Heuser O.SHumphries P.Katrik B.Lindqvist C.Qu R.Redmer d.Riley G.Schaumann S.Schumacher A.Tauschwitz d.Varentsov K.Weyrich X.Yu B.Zielbauer Zs.Major P.Neumayer d.Kraus Institut fur Physik Universitat RostockAlbert-Einstein-Str.2318059 RostockGermany GSI Helmholtzzentrum fur Schwerionenforschung Planckstr.164291 DarmstadtGermany Institut für Angewandte Physik Goethe-Universität Frankfurt am MainMax-von-Laue-Str.160438 Frankfurt am MainGermany Institut fur Geowissenschaften Goethe-Universitat Frankfurt am MainAltenhoferallee 160438 Frankfurt am MainGermany Helmholtz-Zentrum dresden-Rossendorf Bautzner Landstr.40001328 DresdenGermany European XFEL GmbH Holzkoppel 422869 SchenefeldGermany Centre for Plasma Physics School of Mathematics and PhysicsQueen’s University BelfastUniversity RoadBelfast BT71NNUnited Kingdom Institut für Kernphysik Technische Universität DarmstadtSchlossgartenstr.964289 DarmstadtGermany State Key Laboratory of Nuclear Physics and Technology Institute of Heavy Ion PhysicsPeking UniversityBeijing 100871China Helmholtz Institut Jena Frobelstieg 307743 JenaGermany

We present in situ measurements of spectrally resolved X-ray scattering and X-ray diffraction from monocrystalline diamond samples heatedwith an intense pulse of heavy *** this way,we determine the samples’heating dynamics and their microscopic and macroscopic structuralintegrity over a timespan of several *** the ratio of elastic to inelastic scattering with state-of-the-art density functionaltheory molecular dynamics simulations allows the inference of average temperatures around 1300 K,in agreement with predictions fromstopping power *** simultaneous diffraction measurements show no hints of any volumetric graphitization of the material,butdo indicate the onset of fracture in the diamond *** experiments pave the way for future studies at the Facility for Antiproton andIon Research,where a substantially increased intensity of the heavy ion beam will be available.

关键词： heated intense structure

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data-driven analysis of chemicals,proteins and pathways associated with peanut allergy:from molecular networking to biological interpretation

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Food Science and Human Wellness 2024年第3期13卷 1322-1335页

作者： Emmanuel Kemmler Julian Braun Florent Fauchère Sabine dölle-Bierke Kirsten Beyer Robert Preissner Margitta Worm Priyanka Banerjee Institute for Physiology Charité-University Medicine BerlinBerlin 10115Germany Member of the KFO339 FOOD@Berlin 10115Germany Si-M/“der Simulierte Mensch”a science framework of Technische Universität Berlin and Charité-Universitätsmedizin Berlin Berlin 10115Germany Charité-Universitätsmedizin Berlin corporate member of Freie Universität BerlinHumboldt-Universität zu Berlinand Berlin Institute of HealthBerlin 10115Germany division of Allergy and Immunology Department of DermatologyVenerology and AllergyCharité-Universitätsmedizin Berlincorporate member of Freie Universität Berlin and Humboldt-Universität zu BerlinBerlin 10115Germany Pediatrics Campus VirchowCharité-University Medicine BerlinBerlin 10115Germany

Peanut allergy is majorly related to severe food induced allergic *** food including cow's milk,hen's eggs,soy,wheat,peanuts,tree nuts(walnuts,hazelnuts,almonds,cashews,pecans and pistachios),fish and shellfish are responsible for more than 90%of food ***,we provide promising insights using a large-scale data-driven analysis,comparing the mechanistic feature and biological relevance of different ingredients presents in peanuts,tree nuts(walnuts,almonds,cashews,pecans and pistachios)and ***,we have analysed the chemical compositions of peanuts in different processed form raw,boiled and *** the data-driven approach we are able to generate new hypotheses to explain why nuclear receptors like the peroxisome proliferator-activated receptors(PPARs)and its isoform and their interaction with dietary lipids may have significant effect on allergic *** results obtained from this study will direct future experimeantal and clinical studies to understand the role of dietary lipids and PPARisoforms to exert pro-inflammatory or anti-inflammatory functions on cells of the innate immunity and influence antigen presentation to the cells of the adaptive immunity.

关键词： Allergy informatics Knowledge-graph data analysis Food allergy Peroxisome proliferator-activated receptors Fatty acids

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Solid-liquid extraction for yttrium recovery using porous polymeric resin（XAd-7） functionalized with d2EHPA

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Journal of Rare Earths 2024年第9期42卷 1764-1773页

作者： P.A.Martínez-Montoya R.G.Sanchez-Alvarado d.Y.Medina-Velazquez M.L.Carrera-Jota P.Garnica-Chávez A.de J.Morales-Ramirez Higher School of Chemical Engineering and Extractive Industries ESIQIEIPNDepartment of Metallurgical Engineering Metropolitan Autonomous University Department of MaterialsBasic Sciences and Engineering Center for Research and Technological Innovation CIITECIPN

The recovery of yttrium is proposed by applying a solid-liquid extraction process using di-2-ethyl hexylphosphoric acid（d2EHPA） as extracting *** extracting agents were supported on a macro porous polymeric resin XAd-7（solid phase）.Yttrium ions extraction and discharge tests were performed,firstly from a synthetic aqueous solution of 100 mg/L Y（liquid phase） at 25℃ with *** effects of pH of aqueous solutions bearing yttrium,volume fraction of extracting agents and the solid/liquid（S/L）ratio on the yttrium recovery were *** most favorable conditions for yttrium ions extraction are;20 vol% d2EHPA functionalized resin,pH=1.5 and an S/L ratio of 10 mg/mL The discharge of yttrium ions was done under the same conditions of extraction stage,using a 2 mol/L [H2SO4] as stripping *** to 80% yttrium is extracted,while 75% yttrium is recovered in the striping *** all experiments,the reaction equilibrium is reached after 20 min,and the kinetics for the extraction stage was determined as a second-order ***,experiments were carried out to discharge the yttriumloaded resins,and it has been determined that the best pH value to strip the Y ions is *** tests of extraction and discharge for yttrium ions show that the functionalized resin can work at least five cycles without decreasing its ***,the proposed process was tested in a real solution with Y ions fro m a waste fluorescent la mp powder leached in H2SO4,demonstrating the ability to effectively recover yttrium,separating it from various metals from the studied residue.

关键词： Fluorescent lamps recycling Rare earth solid-liquid extraction Solid-liquid kinetics extraction XAd-7 resin Yttrium recovery

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Understanding the catalysis of chromium trioxide added magnesium hydride for hydrogen storage and Li ion battery applications

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Journal of Magnesium and Alloys 2024年第3期12卷 1117-1130页

作者： d.Pukazhselvan IhsanÇaha Catarina de Lemos Sergey M.Mikhalev Francis Leonard deepak duncan Paul Fagg department of Mechanical Engineering TEMA-Centre for Mechanical Technology and AutomationUniversity of AveiroAveiro 3810-193Portugal LASI-Intelligent Systems Associate Laboratory Guimarães 4800-058Portugal Nanostructured Materials Group International Iberian Nanotechnology Laboratory(INL)Avenida Mestre Jose VeigaBraga 4715-330Portugal

This study explores how the chemical interaction between magnesium hydride(MgH_(2))and the additive CrO_(3) influences the hydrogen/lithium storage characteristics of MgH_(2).We have observed that a 5 wt.%CrO_(3) additive reduces the dehydrogenation activation energy of MgH_(2) by 68 kJ/mol and lowers the required dehydrogenation temperature by 80℃.CrO_(3) added MgH_(2) was also tested as an anode in an Li ion battery,and it is possible to deliver over 90%of the total theoretical capacity(2038 mAh/g).Evidence for improved reversibility in the battery reaction is found only after the incorporation of additives with MgH_(2).In depth characterization study by X-ray diffraction(XRd)technique provides convincing evidence that the CrO_(3) additive interacts with MgH_(2) and produces Cr/MgO *** free energy analyses confirm the thermodynamic feasibility of conversion from MgH_(2)/CrO_(3) to MgO/Cr,which is well supported by the identification of Cr(0)in the powder by X ray photoelectron spectroscopy(XPS)*** high resolution transmission electron microscopy(HRTEM)and energy dispersive spectroscopy(EdS)we found evidence for the presence of 5 nm size Cr nanocrystals on the surface of MgO rock salt *** is also convincing ground to consider that MgO rock salt accommodates Cr in the *** observations support the argument that creation of active metal–metal dissolved rock salt oxide interface may be vital for improving the reactivity of MgH_(2),both for the improved storage of hydrogen and lithium.

关键词： Hydrogen storage Rechargeable batteries Binary hydrides Metal oxides Catalytic mechanism.

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