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The CBRC allows commercial banks to implement the internal rating method by stages, however, when a commercial bank obtains the approval for using the internal rating method, its asset coverage ratio calculated according to the internal rating method (risk-weighted assets calculated according to the internal rating method)/(risk-weighted assets calculated according to the internal rating method + risk-weighted assets of other credit risk exposures calculated according to the revised capital supervisory provisions) shall not be lower than 50%, and it shall formulate the plan for the implementation of internal rating method by stages, so as to ensure that the asset coverage ratio reach 80% in three years.

银监会允许商业银行分阶段实施内部评级法，但在获得许可使用内部评级法时，采用内部评级法的资产覆盖率（按内部评级法计算的风险加权资产/［按内部评级法计算的风险加权资产＋按修订后资本监管规定计算的其他信用风险暴露的风险加权资产］）应不低于50％，并制定分阶段实施内部评级法规划，以保证3年内资产覆盖率达到80％。

There are three main methods in face localization: localization according to face outline, localization according to complexion and localization according to templates constructed by some standard sample images. As to feature extraction, it can be divided into two parts because face features can be divided into geometrical features and algebraic features. While extracting geometrical features, the features of eyes, nose, mouth, eyebrows can be gained by some image processes: binary, sharpen, smooth, projection, calculating gradient and so on. In order to extract algebraic features, we can do some mathematical transformation for the digital images such as singular value decomposition, K-L transformation.

在人脸检测部分，目前存在的方法有利用人脸的几何轮廓进行检测、利用人脸的肤色信息进行检测、构造标准人脸模板进行匹配检测等等；在人脸特征提取部分，可以用一些图像处理的方法如投影、二值化、求梯度图像等提取人脸中各特征器官如眼睛、鼻子、嘴巴等的几何特征，另外也可以借助于数学变换，求取人脸图像的一些代数特征，如对图像进行奇异值分解，以奇异值代表图象的特征，或对图像进行K-L变换，以图像在构造的特征空间上的投影系数作为图像的特征等；在识别部分，可以通过距离度量或相似度来判断输入图像与样本图像的匹配程度，还可以通过神经网络方法进行人脸的识别。

Genetic classification, also known as genetic classification, is to use history, comparative law, the language of the world according to their relative relationship is divided into a number of languages, such as the Sino-Tibetan languages, Indo-European, Altaic, Uralic, Caucasian languages, etc.; in the internal language, according to the proximity of kinship, but also divided into a number of languages, such as the Indo-European languages can be divided into Germanic languages , Romance languages, Slavic languages, India, Iran and other languages; in languages within the proximity of the relationship can be further divided into a number of language groups, such as the Slavic languages can be divided into East Slavic, West Slavic, Yugoslavia three language groups.

谱系分类，又称发生学分类，是运用历史比较法，把世界上的语言按其亲属关系分为若干语系，如汉藏语系、印欧语系、阿尔泰语系、乌拉尔语系、高加索语系等；在语系内部，按亲属关系的远近，又分为若干语族，如印欧语系可分为日耳曼语族、罗曼语族、斯拉夫语族、印度、伊朗语族等；在语族内部，可按关系的远近再分为若干语支，如斯拉夫语族可分为东斯拉夫、西斯拉夫、南斯拉夫3个语支。

During using anaerobic fermentation slurry as insecticide, there had many problems that are random using, non-strictly prevention and curing time, non-suitable temperature and consistency mixture ratio ctc. In this research, fristly the different mixtures are made according to the different ratio of slurry to additive. Then the insecticidal effects of the mixture are tested in different conditions so as to find the good matches of slurry and additive in laboratory. According to the up result of the good matches extents of mixture, the field experiment is made to test the mixture's insecticidal chraricter and is further found new dosage form which has many good indexes such as good insecticidal effectiveness, little additive dosis ctc. So as to looking for the dosage form's synergism, the significant analysis is done and the characters of the dosages are tested which are ecological and environmental and the new types of dosage are determined. At last, for proving the dosage's field insecticidal potency, the wide field area experiments are done and four new style dosages are triturated which adapt ecological agriculture development. Aadditionally the effective period of the mixtures are tested when other experiments are done.

本文针对厌氧发酵液作为杀虫剂施用时，随用即配和无严格的增效剂种类、喷施时间及温度、浓度配比等现象，首先对各添加剂与厌氧发酵液配成的不同浓度的混和剂在不同条件下进行实验室测试，确定杀虫率高的浓度范围，进一步细化各混和剂浓度范围作田间试验，选出杀虫效果好，添加剂量少等各项指标都好的剂型并进行显著测定，确定出各剂型的增效情况；然后对选出的剂型进行生态和环保特性测定，以便确定新剂型，最后对选定剂型作大区试验来验证田间杀虫药效，最终研制出了4种适合生态农业发展的新型无污染药肥，并对选出的混合剂进行了有效期实验测定。

We, then, following the Holy Fathers, all with one consent, teach men to confess the one and same Son, our Lord Jesus Christ, the same perfect in Godhead and also perfect in manhood; truly God and truly man, of a reasonable soul and body; consubstantial with the Father according to the Godhead, and consubstantial to us according to the Manhood; in all things like unto us, without sin; begotten before all ages of the Father of the Father according to the Godhead, and in these latter days, for us and for our salvation, born of the Virgin Mary, the Mother of God, according to the Manhood; one and the same Christ, Son, Lord, Only-begotten, to be acknowledged in two natures, inconfusedly, unchangeably, indivisibly, inseparably; the distinction of natures by no means taken away by the union, but rather the property of each nature being preserved, and occuring in one Person and one Subsistance, not parted or divided into two persons, but one and the same Son, and only begotten, God the Word, the Lord Jesus Christ, as the prophets from the beginning concerning him, and the Lord Jesus Christ himself has taught us, and the Creed of the holy Fathers has handed down to us.

我们跟随圣教父，同心合意教人认识同一位子，我们的主耶稣基督，是神性完全、人性亦完全者；他真是上帝，也真是人，具有理性的灵魂，也具有身体；按神性说，他与父同体；按人性说，他与我们同体；在凡事上与我们一样，只是没有罪；按神性说，在万世之前，为父所生；按人性说，在晚进时日，为求拯救我们，由上帝之母，童女马利亚所生；是同一基督，是子，是主，是独生的，具有二性，不相混乱，不相交换，不能分开，不能离散；二性的区别不因联合而消失；各性的特点反得以保存，会合于一个位格，一个实质之内；而非分离成为两个位格，却是同一位子，独生的，道上帝，主耶稣基督；正如众先知论到他自始所宣讲的，主耶稣基督自己所教训我们的，诸圣教父的信经所传给我们的。

Enterprises must innovate the marketing tactics and marketing way in order to meet knowledge type customer"s demands, Knowledge marketing has offered solved tools as innovative mode of marketing those enterprises in era of knowledge-driven economy, in the marketing system of knowledge, traditional 4Ps marketing association tactics also have been given the new meaning, formed the 4Is marketing association tactics (such as Individual product and service, Price Indenture, The Platform Bases onInternet, Knowledge Intercourse)that have already been realized and proved in practice, Except the innovation of marketing association, the way of knowledge marketing is innovating constantly too, Learning Marketing and Experience Marketing is two ways among them, They direct against three kinds of rare resources on the knowledged customer to design concrete marketing method, tool in order to obtain the knowledged customer"s attention and trust separately, Learning Marketing attracts the attention of the knowledged customer according to the knowledge learning and exchanging of enterprises" marketing employee, management employee and the whole society. Experience Marketing let knowledged customer participate in the course of the products or the service according to consumption experiencing, a kind of special marketing mode. Not only met the characteristic that the knowledged customer is fond of participation but also obtained the knowledge type customer"s trust.This article includes five chapters:Chapter one preface introduces such questions as writing background, original intention of the selected title and thinking frame in the writing course of this article and expounds the reason emphatically that how to choose knowledged customer to summarize the new customer group. Study is a way to obtain knowledge; knowledge is an achievement of study also includes the customer"s self- innovation, meanwhile, proves to the small difference between the customer and customer.Chapter two put forward the knowledged customer"s concept, defines the knowledge customer"s definition and analyze its intension and epitaxy, also discusses rare resources on the knowledged customer. This article defines the knowledged customer as those groups and individuals that utilize knowledge to guide one"s own consumption practice and constant study and carry on the knowledge innovation constantly, they have completely new traits different from the old customer, time

企业必须对营销策略和营销方式进行创新以满足知识型顾客的需求，知识营销作为知识经济时代企业的一种营销创新模式为我们提供了一个解决工具，在知识营销体系中，传统的4Ps营销组合也被赋予了新的意义，形成了4Is营销组合(即个性化的产品和服务Individual product and service、基于协商下的价格约定Price Indenture、基于网络的信息技术平台The Platform Bases on Internet、知识的交流Knowledge Intercourse)，4Is营销组合已被越来越多的企业意识到并在企业的营销实践中得到了验证；除了营销组合的创新，知识营销的营销方式也在不断地创新，学习营销和体验营销便是其中两种方式，它们针对知识型顾客身上的三种稀缺性资源设计具体的营销方法、工具分别用以获取知识型顾客的注意力和信任度，其中学习营销通过企业内部营销人员、管理人员和企业外部全社会的知识学习、交流来吸引知识型顾客的注意；体验营销则通过消费体验这种特殊的方式让知识型顾客参与到产品或服务的过程

At first, setting up the arith relation between the signal input and the signal output of the generalized multi-carrier system of the Discrete Fourier Test spread-spectrum; then setting equilibria parameters of the frequency field equilibria subcarrier of the generalized multi-carrier system of the DFT spread-spectrum according to channel frequency response, channel noise variance and equilibria method; then calculating average power of useful signal, interferential average power between signals as well as noise variance of the generalized multi-carrier system receiving terminal of the DFT spread-spectrum according to the arith relation as well as the frequency field equilibria parameter, and recomputing available signal information noise ratio, so as to calculate the available signal information noise ratio of the generalized multi-carrier transmission system accurately, the method for estimating the available signal information noise ratio can be used for link self-adapting transmission solution of the generalized multi-carrier system based on Discrete Fourier Test spread-spectrum and radio material management.

一种DFT扩频的广义多载波系统的SINR估计方法，其通过首先建立所述离散傅立叶变换扩频的广义多载波传输系统的信号输入输出之间的数学关系，然后根据信道频率响应、信道噪声方差和均衡方法，设定所述DFT扩频的广义多载波传输系统的频域均衡子载波的均衡系数，再根据所述数学关系及所述频域均衡系数分别计算所述DFT扩频的广义多载波传输系统接收端有用信号的平均功率、信号间干扰的平均功率以及噪声方差，再计算有效信干噪比，如此以实现对广义多载波传输系统的有效信干噪比的准确计算，该有效信干噪比估计方法可用于基于离散傅立叶变换扩频的广义多载波传输系统的链路自适应传输方案和无线资源管理方面。

This article considers that the pre-schooler special-purpose school bus market potential is huge, after the analysis of the present situation of pre-schooler education in our country and pre-schooler school bus accidents in partial provinces and cities during 2005～2007. The security situation of school buses is unoptimistic. From the perspective of security, the complete form of the pre-schooler special-purpose school bus is reqestted on the basic of study of the school buses security measure in home and abroad. According to the statistical analysis of the human body size related to 3～6 year-old pre-schooler, the child chair's 6 main parameters, the passenger gate steps, and arm rest's size, as well as crossing control arm's mounting height and performance requirement have been determined. According to the present domestic and outside related standards to exports to the bus and school bus, the least quantities and most light-sized of the exports of school bus are proposed. According to the present domestic and outside standards to the request of driver's field of vision of bus and school bus, the essential requirements and inspection procedure of the field of vision of the pre-schooler special-purpose school bus are setted.

本文通过对我国学龄前儿童教育的现状和2005～2007年部分省市的学龄前儿童校车事故分析，认为学龄前儿童专用校车的市场潜力巨大，校车的安全形势不容乐观；在研究国内、外校车的安全措施基础上，从安全角度出发，对学龄前儿童专用校车提出了整车要求；根据对3～6岁学龄前儿童相关人体尺寸的统计分析，确定了学龄前儿童专用校车儿童座椅的6个主要参数、乘客门踏步和扶手的尺寸，以及横向控制臂的安装高度和性能要求；根据国内、外现行标准中对客车和校车出口的相关规定，提出了校车出口的最少数量和最小尺寸；按照国内、外现行标准中对客车和校车驾驶员的视野要求，提出了学龄前儿童专用校车驾驶员视野的基本要求和检验方法。

In order to solve these problems, such as complex system, hard-worked indexes and unscientific usage, we propose an improved idea that is "make the series that is divided according to the character of station in the whole bank as the assessed independent group, constitute same appraisement system for every series, design assessment indexes according to the station series, use assessment result also according to it".

本文以深圳S银行支行员工绩效考评系统为研究对象，采用实地调研的分析方法，发现并针对系统中体系复杂、指标操作性差，结果运用不科学等主要问题提出了改进的思路：&在全行按岗位性质划分系列作为各层次考核的独立群体，在支行内按岗位划分按系列作为独立的考核群体，统一各层次考核体系，按岗位系列设计指标，按岗位系列考评并进行考评结果运用&。

Methods 120 healthy primiparae were involved in our study.Their psychosises were evaluated according to Hamilton depression scale.Delivery mode and postpartum hemorrhage were observed.Women were divided into caesarean section,forceps and natural groups according to different mode of delivery,as well as into hemorrhage and non hemorrhage groups according to occurance of hemorrhage or not after labor.

120例健康初产妇以汉密顿焦虑量表和抑郁量表评定精神状态，观察其分娩方式及产后出血状况；按分娩方式不同分为剖宫产组、钳产组及顺产组；按是否有产后出血分产后出血组及产后无出血组。

I will endeavour to find you some assistance.

我尽力帮你找人帮忙。

At first I only know bruck is the idol of American younglings, afterwards I returned back to Taiwan ,even in Beijing last year ,I saw her poster everywhere, I was so surprised at her charm.

起初我只晓得布鲁克雷德丝是美国少男少女崇拜的偶像，后来回台湾，甚至去年在北京，居然也四处看见她的海报，才惊讶她的魅力之大。