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On the basis of an analysis of the present profile of automobile consumer credit in China,a discussion is done on the meaning of its development. This thesis introduces the development of the market of automobile consumer credit overseas, and finds out the reasons why overseas automobile consumer credit leads to the successful development of automobile industry. It also analyses the causes of the slump in the market of automobile consumer credit in the country in aspects of influential elements such as economy,policies,society,consumption norms and so on. It has a deep discussion on some obvious problems in this field. For example,the market of automobile consumer credit is of no scale; the prices of automobiles are high; taxes are heavy and expenses are too much; average residents still have low income and no definite balance between income and predicted expenses; there is no perfect social credit system and individual credit system; there is not enough awareness of credit among the public. Taking theories in the area of industrial economics into consideration,it proposes basic measures of promoting the development of consumer credit in China: building up a credited society,a perfect and sound personal credit system.With credit database as the platform,all parties will be able to share information,improve the credit database,relevant regulations and laws as well as a risk warning system,thus operation and management of the operating entities will be improved,the cost of the practice of consumer credit will be reduced; strengthen the innovation of present financial system,develop financial products corresponding to different groups of customers,improve services,perfect the mode of "bank+insurance+automobile agents",make full use of the interne,adopt the practice of turning credit into securities.

本文在我国现阶段汽车消费信贷现状分析的基础上,对大力发展汽车消费信贷的意义进行了讨论;通过分析国外汽车消费信贷市场的发展概况,解析出国外汽车消费信贷促进汽车产业发展成功的原因;从影响汽车消费信贷市场发展的有关因素如经济环境、政策环境、社会环境和消费习惯等方面分析了我国汽车消费信贷市场现状低迷的症结所在;对中国汽车消费信贷市场的一些明显问题,如汽车消费市场尚未形成规模,汽车价格偏高,税费和使用费用负担沉重,相对较低的居民收入与预期收支不确定,社会信用体系尚未建立,个人信用制度缺失,公众信用意识淡薄等方面进行了深入探讨;立足于产业经济学理论,提出了构建信用社会,建立健全和完善个人信用体系,建立个人资信评估机构和登记制度,引入专业的资信中介机构,以信用数据库平台为基础,各方共享资源,组建客户信用数据平台,完善法规制度建设,建立健全汽车信贷消费的法律体系,建立风险预警机制,提高汽车消费信贷经营主体的经营管理水平,降低汽车信贷业务成本,加大金融制度创新的力度,开发适合不同消费群体的金融产品,提高服务质量,完善"银行+保险+汽车经销商"的汽车信贷模式,充分利用互联网、实行贷款证券化等促进我国汽车消费信贷发展的基本措施。

The contribution to the interruptive coordinator is that if the knowledge discovery can not go on solely in the knowledge base, the process is interrupted and turns to the database; and that if the data mining in the database discovers some redundant attributes, the process is interrupted and turns to the knowledge base to delete the redundant attributes.

对中断型协调器的发展是:原本单纯在知识库中的知识发现,若不能继续进行则要中断发现过程而借助于数据库进行规则的发掘;原本在数据库中的数据挖掘当发现属性的冗余时可以中断挖掘过程而在知识库中删除冗余的属性。

The information of database is one of the key technology in CIMS. In this paper, we farther propose and analysis the model and design principle on dynamic information integration of isomerous database based on statical information integration in SB-CIMS, offers a brief introduction to its design goal and function. The implementation technology and structure principle of TIDS system are discussed in detail.

数据库信息集成是CIMS中关键技术之一,本文在实现SB-CIMS静态信息集成的基础上,进一步提出并分析阐述了异构库动态信息集成模式与设计原理,概要介绍了软件系统的设计目标与功能,并对系统实现技术与软件结构原理作了较详细论述。

In sample data, we use the database of Taiwan Finance Database of Taiwan Economic Journal and collect 14,125 company's' finance data which include 153 default company's' data to study. We use these financial data to make Variance Inflation Factor test, and use the result of credit scoring model to make Kolmogorov–Smirnov test and Receiver Operating Characteristic check. Finally, the conclusions are listed as following

在样本资料中,主要是用台湾经济新报中,上市上柜与曾经上市上柜公司资料库,其最后,整理出来的资料结果,共有14125笔公司财务资料可以进行完整的实证分析,违约公司资料有153笔;并将这此公司的财务变数进行线性相关变异数影响因子检定,并将评分模型所得出的结果进行K–S检定与ROC验证,最后再将评分结果进行集区分析以及评等稳定度的检定,其结果所得出的结果包括下列几点

This paper discusses the necessity of enhancing information service for domestic animal industry,and analyses the influence factors and the laggardly causes of the database's construction. The paper makes out concerned study of quickening the pace of database's construction,the combination of information service and some correlative affairs and focuses on the information need from group customers. The study is of importance for information service's construction and development for domestic animal industry.

本文在论述了加强我国畜牧信息服务业运行机制研究必要性的基础上,对影响我国畜牧信息服务业发展的专业数据库建设及专业数据库建设缓慢的原因等因素进行了分析,对加快我国畜牧信息服务业发展的专业数据库建设、畜牧业信息服务与相关事务处理业务相结合、关注集团用户的信息需求等运行机制进行了相关的研究,对我国畜牧信息服务业的建设与发展有重要的意义。

Return us for this task, actually individual information leak this problem is to become more and more serious actually, actually this problem we look from the whole world, it is a few leak of individual information data only not only, see among the report that includes us to be able to differ from whole world each district a lot of about database of popular of a few societies, the information of a few governments and legionary database has produce missing situation, about this problem actually we also had a lot of experts to had realized, the technologist of each countries on the world, the firm expert that includes us is engaged in on this problem all the time and study a lot of years, I think everybody may be on the product to us, the circumstance understanding that serves client field to the product still is not very clear, but what I want to assure is, personnel meets the technology that our company and I believe global each district discuss this issue further, can capture further such difficult problem.

回到我们这个课题来说,其实个人信息泄漏这个问题实际上是变得越来越严重了,其实这个问题我们从全球来看,不仅只是个人信息数据的一些泄漏,包括我们可以从全世界各地不同的报道当中看到很多关于一些社会大众的数据库,一些政府和军队数据库的信息都有发生丢失的情况,其实关于这个问题我们也有很多的专家已经意识到了,世界上各个国家的技术专家,包括我们的公司专家一直在这个问题上从事和研究很多年,我想大家可能在对于我们的产品上,对于产品服务客户方面的情况了解还不是很清晰,但是我想保证的是,我们公司以及我相信全球各地的技术人员会进一步的探讨这个问题,会进一步攻克这样的难题。

The POWERBUILDER is a sketch customer the interface's c/ s of development tool, Make use of its provide every kind of to face to the object's development tool, powerbuilder to have mighty and manies the database to describe to link the function and Database index dint.

POWERBUILDER是图形用户界面的c/s开发工具,利用其提供的各种面向对象的开发工具,powerbuilder具有强大的多个数据库描述连接功能和数据库检索力。

The POWERBUILDER is a sketch customer the interfaces c/ s of development tool, Make use of its provide every kind of to face to the objects development tool, powerbuilder to have mighty and manies the database to describe to link the function and Database index dint.

POWERBUILDER是图形用户界面的c/s开发工具,利用其提供的各种面向对象的开发工具,powerbuilder具有强大的多个数据库描述连接功能和数据库检索力。

The system includes STEP-NC interpreter, function database, Dynamic Linkable Library, STEP-NC repository, function block type database, and tool path generator.

系统包括STEP-NC解释器、函数库、动态链接库、STEP-NC知识库、功能块类型库以及刀具路径生成器。

You can use Data Loader to transfer data from one database format to another database format.

你可以使用数据载入器从一种数据库格式向另一种数据库格式传输数据。

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The split between the two groups can hardly be papered over.

这两个团体间的分歧难以掩饰。

This approach not only encourages a greater number of responses, but minimizes the likelihood of stale groupthink.

这种做法不仅鼓励了更多的反应,而且减少跟风的可能性。

The new PS20 solar power tower collected sunlight through mirrors known as "heliostats" to produce steam that is converted into electricity by a turbine in Sanlucar la Mayor, Spain, Wednesday.

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