Nowadays, one of the most important topics in risk management of banks, financial, and credit institutions is credit risk management. In this research, the researchers used survival analytic methods for credit risk modeling in terms of the conditional distribution function of default time. As a practical task, the authors considered the reward credit portfolio of Tose'e Ta'avon Bank of Guilan P...

One of the most important issues always facing banks and financial institutes is the issue of credit risk or the possibility of failure in the fulfillment of obligations by applicants who are receiving credit facilities. The considerable number of banks’ delayed loan payments all around the world shows the importance of this issue and the necessary consideration of this topic. Accordingly...

one of the most important issues always facing banks and financial institutes is the issue of credit risk or the possibility of failure in the fulfillment of obligations by applicants who are receiving credit facilities. the considerable number of banks’ delayed loan payments all around the world shows the importance of this issue and the necessary consideration of this topic. accordingly, many...

The realization of capacity-augmenting schema changes on a shared database while providing continued interoperability to active applications has been recognized as a hard open problem. A novel three-pronged process, called transparent object schema evolution (TOSE), is presented that successfully addresses this problem. TOSE uses the combination of views and versioning to simulate schema change...

Sedimentation equilibrium (SE) analytical ultracentrifugation (AUC) is a gold standard for the rigorous determination of macromolecular buoyant molar masses and the thermodynamic study of reversible interactions in solution. A significant experimental drawback is the long time required to attain SE, which is usually on the order of days. We have developed a method for time-optimized SE (toSE) w...

in this paper, a new hybrid model has been proposedfor the loans allocation of banking investment projects. in this model, firstlyuncertainty in the cash flows parameters of projects is simulated usingprobability distributions. the statistical analysis about the indexes ofengineering economic is used for the elimination of non-economical projects.secondly, remained projects are ranked based on ...

transglucosy]ation. The enzyme also converted trehatose into ma]tose but was inactive on o-ther saccharides. The N-termina] amino acid of the enzyme was serine. The optimum pH and temperature were pH 7.5 and 200C, respective]y, The enzyme was stab]e in the range of pH 6,O-9.0 and up to 30eC for 60 min. The rate of conyeTsion of maltose ;nto trehalose was independent of the mattose concentration...