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The main content include:Firstly, main five risks of overseas personal real estate loans;Secondly, the main two theories and main measures of the foreign commercial banks on dodge the risk of housing mortgage loan, emphasizing the foreign running mode of personal real estate loans, for example, research, loan management and risk management;Thirdly, the research on the risk pre-warning system of the foreign commercial banks on dodge the risk of housing mortgage loan and experiences of their successful dodge and control of risks.

主要内容有，一是我国个人住房贷款面临的主要风险(系统性风险和非系统性风险)，重点分析各种非系统性风险：来自开发商的风险(①虚假按揭，骗取银行贷款、②多种原因造成楼盘烂尾、虚假广告、③承诺落空造成的风险)，(2)来自项目的风险(①项目存在合法性瑕疵，形成风险、②项目市场前景黯淡造成的银行风险、③房屋品质恶劣或有缺陷造成银行风险)，(3)来自借款人的风险(①借款人能力风险、②借款人恶性违约)，(4)来自抵押物的风险，(5)来自中介合作机构的风险，(6)来自银行自身的风险。

The major works in this thesis are: The effect of the straight and skew cracks on the vibration properties are studied for the cantilever beam, clamped-clamped rectangular plate, simple-supported rectangular plate and triangular plate. The effect on the natural frequency and vibration mode shapes of the bracket in the presence of cracks is discussed Based on the available index of crack diagnosis, a new index, is proposed.

本文主要的工作有以下几个方面：★研究了工程中常见的悬臂板、四边刚性固定矩形板、四边简支矩形板和三角形板的直裂纹和斜裂纹对振动特性的影响。

BACKGROUND: Soft-start is a newly photoactivation mode, which has certain effect on composite resin. However, previous study mainly concentrated on the conventional resin-based composites, the reports regarding soft-start on packable resin-based composites is poorly understood.

背景：弱光启动是近年来应用于临床的新的固化方法，其对复合树脂的性能具有一定的影响，以往国外的研究主要是针对通用型树脂进行的，而对可压型树脂的研究报道较少。

The algorithm is proved to be convergent theoretically and implemented for numerical calculation.Thirdly, two kind problems of multi-unit system maintenance based on the discrete-state deterioration model are analyzed:To achieve the optimization aim of series system consist of two types of units with different failure mode, an opportunistic policy is presented to combine the corrective and condition-based maintenance. The optimal model based on this policy is built and an iteration algorithm based on sequential decision is proposed according to the characteristic of discrete-state deterioration model.

第三、在部件优化分析的基础上，针对基于离散状态劣化模型的多部件系统视情维修决策中的两类典型问题，提出了相应的机会维修策略和优化分析方法：(1)针对串联系统由分别采用视情维修和事后维修的两类部件组成的情况，提出了一类事后维修与视情维修相结合的机会策略，建立了相应的多部件系统维修优化模型，并根据离散状态劣化模型的特点，提出了一类基于序贯决策的求解方法。

On the knowledge of vibration of polyatomic molecules, it has gonethrough the change of two stages: from normal mode model to local modemodel. In present, there mainly are two methods to deal with this problem:the traditional approach, namely ab initio, based on solving Schr〓dinger equa-tions of molecular vibration, and the algrbraic approach based on group theory.

在对多原子分子振动问题的认识方面，人们经历了从简正模模型到局域模模型转变的过程，而在处理方法上目前主要有两种：基于求解薛定谔方程的从头计算法和基于群论方法的代数方法。

Firstly, the paper introduced the working principle and device of the two-pass grate-rotary kiln and had an analysis method of mechanics of the tyre. We have put forward the finite element analysis of the contact stress of the tyre-roller based on the whole construction mode of shell-kiln liner-large gear-tyre-roller of the rotary kiln and obtained the strength and distributing rule of the tyre's contact stress. The research shows that within one week the contact stress mainly lies in two leading peak value and catastrophe which appear at the contact zone of the tyre and supporting roller. Then we regarded the tyre's stress as the test of unknown plane stress of principal stress. Utilizing mature and modern testing technology, we raised the testing principle and scheme of tyre stress and then had a on-the-spot test of the stress. Comparing the analysis result of the test with the one calculated from the finite element analysis, it proofed the rationality of finite element analysis method of integral modeling and the correctness of the contact stress result of the tyre and roller. Finally, for two-pass of similar rotary kilns, using the ANSYS APDL re-development technology, carried on the re-development about the overall finite element analytic method of thecontact stress of tyre-roller.

首先，本文介绍了2档回转窑的工作原理和装置，对滚圈的力学行为进行了分析，提出了基于筒体-滚圈-托轮的回转窑整体建模的有限元分析法，来对滚圈-托轮的接触应力进行有限元分析与计算，得到了滚圈接触应力的大小和分布规律，并求得滚圈外中内圈节点的主应力；其次，把滚圈的受力看成是主应力未知的平面应力的测试，利用现代测试技术，提出了滚圈主应力测试的原理和方案，并对滚圈的主应力进行了现场测试，现场测试分析结果与有限元分析计算出的主应力相比较，证明了整体法建模的有限元分析方法的合理性和滚圈-托轮接触应力结果的正确性；最后，利用ANSYS的APDL的二次开发技术，针对2档同类回转窑，就滚圈-托轮接触应力的整体有限元分析法进行了二次开发。

For the principal component, namely the voltage stability analysis function, three kinds of nodal injection power modes are defined, i.e., the random varying direction of load, the response setting direction of generator and the ratio of active power component to reactive power component in load power, and a continuous power flow model that is easy to utilize and comprehend by dispatching center is built, based on this model three kinds of formulae to calculate the sensitivities of loading margin with respect to three kinds of nodal injection power modes are derived respectively, and on this basis the influence of nodal injection power mode on loading margin can be analyzed in order that the voltage collapse can be avoided by fast implementing early warning of voltage stability and adopting effective corrective control.

文章针对N-EMS的主要组成部分--电压稳定分析功能，定义了3类节点注入功率模式：负荷的随机变化方向、发电机的响应设定方向、负荷的有功和无功比例，建立了易于被调度中心运用和理解的连续潮流模型，在此模型基础上分别推导得到负荷裕度对3类模式的灵敏度公式，据此分析节点注入功率模式对负荷裕度的影响，以便能够快速进行电压稳定预警和采取有效的校正控制来避免电压崩溃。

Based on the Similarity principle of the fractal theory and on the quantitative analysis of the historical traffic flow measured on path network nodes through rough set theory,this paper discussed the mode structure of the real-time dynamic traffic flow and put forward the optimal control method.

在运用粗糙集理论对路网节点所测得的历史交通流量进行量化分析的基础上，基于神经网络自学习的能力，研究了实时动态交通流的模型结构并给出了交通流优化控制方法。

On the problem of model parameter determination, the singularity distribution method is used to derive the expressions for numerically calculating the added mass arised from vibration of the structure under three-dimensional case; The aero-dynamic damping ratio is identified from the testing data based on the methods of empirical mode decomposition, improved random decrement and Hilbert transformation; The reduced-order spectral representation method is also deduced in this chapter based on the technique of proper orthogonal decomposition.

在模型的参数计算上，采用奇点配置法推导了三维情形下结构振动诱导流场附加质量的数值计算方法；联合采用经验模态分解、改进的随机减量法及Hilbert变换对索穹顶结构的气动阻尼进行了识别分析；推导了基于本征正交分解的降阶谱解法。

First of all, the paper carried out test study on four two-spanned model members of FSMRCWB, including three 1/2-scaled two-storeyed models and one 1/3-scaled three-storeyed model. The paper analyzed the test results, including analysis on mechanical property of the composite wall beam under vertical loads, and failure mode, deformation capacity, aseismic performance under horizontal loads and constant vertical loads. Secondly, the nonlinear property of concrete is studed and the nonlinear models of FSMRCSS is builded by ANSYS. Last, The paper studies the result of ANSYS, which mainly includes the loading-displace curve of FSMRCSS under horizontal loads and constant vertical loads, the mechanics of arch under vertical loads lonely and under horizontal loads and constant vertical loads respectively, and status of the distribution and changing of vertical stress and cross shear on the surface of the suporting beam, and the influence of span ratio and hole.All in all, the caculating results are in good agreement with the test results.

本文首先进行了三个1/2比例的两跨两层和一个1/3比例的两跨三层的框支密肋复合墙梁的模型试验，分析了框支密肋复合墙梁在竖向荷载作用下的受力性能，以及在竖向荷载与水平低周反复荷载共同作用下的受力性能、变形性能、滞回性能、耗能系数及破坏形态；其次，研究了混凝土的非线性特性，建立了框支密肋复合墙梁非线性有限元模型，并借助大型通用有限元软件ANSYS进行计算；再则，进行了非线性有限元结果分析，主要研究框支密肋复合墙梁在竖向荷载与水平地震力共同作用下的荷载位移曲线，分析在竖向荷载单独作用下和在竖向荷载与水平地震力共同作用下墙梁的拱作用，托梁顶面的竖向应力和横向剪应力分布及变化情况，并讨论跨度比、洞口对墙梁拱作用和托梁顶面的竖向应力的影响。

For a big chunk of credit-card losses; the number of filings (and thus charge-off rates) would be rising again, whether

年美国个人破产法的一个改动使得破产登记急速下降，而后引起了信用卡大规模的亏损。

Eph. 4:23 And that you be renewed in the spirit of your mind

弗四23 而在你们心思的灵里得以更新