We propose a theory of credit lines provided by banks to firms as a form of monitored liquidity insurance. Bank monitoring and resulting revocations help control illiquidityseeking behavior of firms insured by credit lines. The cost of credit lines is thus greater for firms with high liquidity risk, which in turn are likely to use cash instead of credit lines. We test this implication for corpo...

Many factors innuence the performance of a learned classiier. In this paper we study diier-ent methods of measuring performance based on a uniied set of cost models and the eeects of training class distribution with respect to these models. Observations from these eeects help us devise a distributed multi-classiier meta-learning approach to learn in domains with skewed class distributions, non-...

In this article, we put forward the small and middle-sized enterprises (SMEs) credit guarantee is the effective measure to solve the financing difficulty for SMEs. Through the analysis of the actuality of Chinese SMEs credit guarantee legal system, we try to find the shortages such as the deficiency of the SMEs special guarantee legislation, the unreasonable capital financing structure, the ris...

Many factors innuence a learning process and the performance of a learned classiier. In this paper we investigate the eeects of class distribution in the training set on performance. We also study diierent methods of measuring performance based on cost models and the performance eeects of training class distribution with respect to the diierent cost models. Observations from these eeects help u...

Many factors innuence a learning process and the performance of a learned classiier. In this paper we investigate the performance eeects of class distribution in the training set. We also study diierent methods of measuring performance based on cost models and the performance eeects of training class distribution with respect to the diierent cost models. Observations from these eeects help us d...

Congestion control ensures that network resources are divided fairly and efficiently among competing connections. Although congestion control has been studied by researchers for a long time, very high-speed networks using ATM pose a new set of challenges. The proposed credit-based mechanism provides flow control tailored to ATM networks. Simulation, analysis and experiments on switching hardwar...

Aiming at the insufficiency of credit scoring models, this paper puts out a new approach by using combining forecast model for personal credit scoring. Based on linear regression and logistic regression models, this paper constructed a combining model and used particle swarm optimization (PSO) to search each single model’s weight. In order to control the type II error rate,the particle’s fitnes...