开发不充分的

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。

Our school will take advantage of the chances of developing the western regions and building up free trade zone in the AEAN countries, use the experience of famous universities in running school for reference, adhere to the new talent-training ideas of 'giving priority to practical uses'and keep perfecting and improving the construction of faculty. Through scientific and strict management, meticulous and judgmatical teaching service, build up our a famous brand of MBA education, we will build our school into a high-level MBA talents training base with outstanding features.

学院将充分利用西部大开发和东盟自由贸易区建设等机遇，学习借鉴国内名牌高校的办学经验，坚持&不求所有，但有所用&的新型人才观，不断完善和提高师资队伍的建设，通过科学、严格的管理，细致周到的教学服务，树立MBA教育的知名品牌，将学院建设成为一所特色鲜明的、高水平的工商管理人才的培养基地。

For preparing for the researches of text digital watermarking and advantaging other researchers" development when using the Chinese mathematical expression theory, this paper designs and realizes a development platform of Chinese mathematical expression. It has been proved by experiments that the platform"s function, execution speed and stability can satisfy the requirements of conversion and operation of enormous data.This research found out that the structure information of Chinese have plenty redundant information that can be used by the Chinese mathematical expression for the digital watermarking, the data embedded can possess better robustness. Based on this finding, this paper designs a kind of text digital watermarking method of embedding watermarking by using Chinese structure, and realizes the method by using the Chinese mathematical expression platform.Considering the watermarking embedding algorithms importance to the robustness of the text digital watermarking, this paper makes fully use of the advantage of the Chinese mathematical expression theory to design a kind of layered text method, which has being realized by using the Chinese mathematical expression platform. The layered text method can handle the text as a solid structure, and the embedding data havepreferable robustness.Finally, based on the researches of the text digital watermarking method and the text layered method, this paper integrates the method of making use of the Chinese structure embedding watermarking with the robust algorithm based on text layered, and realizes a brand-new text digital watermarking method. Proved by lots of experiments, this brand-new method has good robustness and better invisibility.

为了为研究工作做准备和方便其他使用汉字数学表达式理论体系的人进行开发，本文基于汉字数学表达式理论设计实现了一个汉字数学表达式平台，实现了Unicode汉字集中的汉字、汉字数学表达式、汉字的Unicode码之间的相互转化、依据汉字数学表达式提取汉字的结构信息、由汉字数学表达式在非中文平台上不依赖字库显示汉字的图像等功能，使用复合文档技术和流压缩技术进行数据的存储，使用对汉字数学表达式进行二叉树拆分来处理汉字数学表达式中包含的信息，使用自定义哈希函数来提高运行速度，实验证明，该平台功能、速度和稳定性完全能满足大量数据的转化和运算要求；通过研究表明汉字的结构信息中存在大量可使用汉字数学表达式理论加以利用的水印加载空间，加载在该空间的数据可以具有较好的鲁棒性，基于此，本文设计了一种利用汉字结构加载水印的文本数字水印方法，并使用汉字数学表达式平台将其实现；由于水印嵌入算法对于文本数字水印的鲁棒性至关重要，本文充分利用汉字数学表达式理论的优点，设计了一种文本分层的方法，并使用汉字数学表达式平台将其实现，使文本成为一个立体的空间，使嵌入在其中的数据具有更好的鲁棒性；最后在基于汉字数学表达式的文本数字水印嵌入方法的研究和基于汉字数学表达式的文本分层方法的研究的基础上，结合利用汉字结构嵌入水印的方法和基于文本分层的抗攻击文本水印嵌入算法实现了一种全新的文本数字水印方法，经实验证明，该方法有良好的鲁棒性和较好的隐蔽性。

Moving capital between projects is a key efficient means to leverage capital for local developers to produce high profits in real estate development. A JV project's bank loan after foreign investment incepted is not an exception.

资本在项目之间的流动对本地的开发商来说是一个重要且有效的手段，他们可以充分利用资金流动提高房地产开发利润，而接收了外国投资的合资项目的银行贷款也不例外。

As achieving a perfect curriculum schedule in a short time by manual work is not only takes great deal of time, but also is absolutely impossible to make full use of current resources, it is vital significance to develop a set of actually automatic timetabling system.

通过手工排课，不仅费时，费力，而在较短时间内用人工编制一份令人满意且使学校现有资源得到充分利用的课表也不是一件容易的事。因而开发一套符合实际需求的高校课程信息管理系统是非常必要的。

As achieving a perfect Curriculum Schedule in a short time by manual work is not only takes great deal of time, but also is absolutely impossible to make full use of current resources, it is vital significance to develop a set of actually automatic Timetabling system.

通过手工排课，不仅费时，费力，而在较短时间内用人工编制一份令人满意且使学校现有资源得到充分利用的课表也不是一件容易的事。因而开发一套符合实际需求的高校排课系统是非常必要的。

It has been put forward that there exists single Ball point and double Ball points on the symmetrical connecting-rod curves of equilateral mechanisms.

从鲍尔点的形成原理出发，分析对称连杆曲线上鲍尔点的产生条件，提出等边机构的对称连杆曲线上有单鲍尔点和双鲍尔点。

The factory affiliated to the Group primarily manufactures multiple-purpose pincers, baking kits, knives, scissors, kitchenware, gardening tools and beauty care kits as well as other hardware tools, the annual production value of which reaches US$ 30 million dollars.

集团所属工厂主要生产多用钳、烤具、刀具、剪刀、厨具、花园工具、美容套等五金产品，年生产总值3000万美元，产品价廉物美、选料上乘、质量保证，深受国内外客户的青睐