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太原市靴脚陆龟咸水泥彩龟安哥洛卡象龟凹甲陆龟红腿象龟价格怎么养铁力市马来闭壳龟长身蛇颈龟东部箱龟棱背泥龟缅甸孔雀龟百色闭壳龟价格怎么养Zheng Bai Qu郑白渠Zheng Bai Qu,a large irrigation project in the ancient Guanzhong Region (today’s Shaanxin Province),was the combined name of Zhengguo Qu and Bai Qu.(Qu means canal.),now bore the name of Jinghui Qu.郑白渠是古代关中地区的大型水利灌溉工程,秦代郑国渠和汉代白渠的合称,近代陕西省径惠渠的前身。In 246 during the Qin Dynasty Warring States Period,Zheng Guo,a hydrau-lic engineer from the Han State,began the construction of Zhengguo Qu for the Qin and finished the project in more than 10 years. The canal }nras 150 kilometers linking the Jingshui River and the Luoshui River. It could irrigate 40000 hec-of farmlands.秦始皇元年(公元前246年)韩国水工郑国主持兴建郑国渠,十几年后完工。干渠西起径阳,引径水向东,下游进人洛水,全长300余里,灌溉面积4万顷。郑国渠的建成直接持了秦国统一六国的战争。Since then,the two canals were called by a joint name:Zheng Bai Qu. During the Tang Dynasty(618一907),Zheng Bai Qu had three branches:Tai Bai Qu,Zhong Bai Qu and Nan Bai Qu,with an irrigation area of over 10,000 hectares. In the later dynasties,Zheng Bai Qu was revamped several times.西汉太始二年,赵中大夫白公建议增建新渠,引径水向东,至栋阳(今西安临撞区东北)注于渭水,名叫白渠。干渠长200里,灌溉面积4500顷,此后灌区称郑白渠。唐代的郑白渠有三条干渠,即太白渠、中白渠和南白渠,灌溉面积超过10000顷,后来历经各个朝代,不断得到修复和发展。 /201512/410686紫云苗族布依族自治县花龟亚达伯拉象龟金头闭壳龟黑颈乌龟金钱龟大头乌龟价格怎么养 Long March 3 Launch Vehiclel“长征三号”运载火箭Long March 3 (LM-3) is a three-stage launch vehicle, primarily intended for sending spacecraft into Geosynchronous Transfer Orbit with the GTO capacity of l. 5 metric tons and the length of 44. 56m. The diameters of the first and second stages of LM-3 are the same, 3. 35m and the third stage, 2.25m. The development of the first and second stages is based on the first and second stages of LM-2C. The first two stages burn UDMH/N204 as propellants, while the third stage of LM-3 is powered by a cryogenic engine, using liquid oxygen ( LOX) and liquid hydrogen( LH2 ) as propellants .The launch site is Xichang Space Launch Center. The C2-3 launch vehicle won a perfect success in April, 1984. The vehicle also marked the first use of a high technology upper stage. On April 7, 1990, LM-3 delivered the first foreign communication satellite, Asia Sat l, made by the U. S. Hughes Corporation, into a predetermined GTO. It was a total success and marked the real entrance of Long March launch vehicles for China into the international commercial launch service market.“长征三号”运载火箭是三级火箭,主要用于发射地球同步轨道有效载荷,运载能力为1.5吨。全长44. 56米,一、二子级直径3.35米、三子级直径2. 25米。其一、二级是在“长征二号丙”运载火箭的一、二子级的基础上研制的,使用偏二甲肼( UDMH)和四氧化二氮(N204)作为推进剂,其三子级采用了低温高能液氢( LH2)液氧(LOX)发动机。“长征三号”火箭在西昌卫星发射中心(XSLC)进行发射。“长征三号”运载火箭在1984年4月进行首次飞行,成功地将“东方红二号”试验通信卫星送入预定地球同步转移轨道,标志着中国运载火箭技术跨人世界先进行列。该火箭曾于1990年4月7日成功地将美国休斯公司制造的“亚洲1号”卫星送人地球同步转移轨道,是中国运载火箭发展上的一个重要里程碑。在此之后,“长征三号”运载火箭成功地发射了包括“亚太一号卫星”、“亚太一号甲卫星”、“风云二号卫星”等在内多颗国内外卫星。 /201603/426285朔州市印度星龟密西西比红耳龟黄头侧颈龟东部网目鸡龟价格怎么养

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金头闭壳龟喂养养殖指南 Financial technology start-ups are creating new models of lending. They mine streams of digital data with clever software to calculate creditworthiness instead of relying on a person’s credit history, the main ingredient in traditional credit scoring.一些面向金融领域的科技初创公司正在推出新的贷款模式。它们用智能软件挖掘电子数据流来计算信誉,而不是像传统的信用评分那样,以个人的信用记录为基础。So far, the new breed of big data lenders has focused on niche markets — recent college graduates, immigrants and payday borrowers — where people often have scant or inconsistent repayment records, and the conventional math of risk analysis stumbles.目前已经有一帮新生的“大数据放款机构”专注于在利基市场上——刚毕业的大学生、移民和发薪日借款人。这类人的还款记录往往很少,或者不连贯,使用传统的风险分析数学手段效果不佳。ZestFinance, a pioneer in the field, is moving into a huge market where credit histories are scarce: China.ZestFinance是这个领域的先驱之一,目前正步入一个信用记录稀少的庞大市场:中国。ZestFinance and JD.com, a Chinese online retail giant, are announcing a joint venture to provide a consumer credit scoring service in China. The venture, JD-ZestFinance Gaia, will initially be used to assess credit risk and offer installment loans for purchases on JD.com, which has 100 million active customers and generates yearly revenue of billion. The venture intends to eventually offer the credit-analysis service to corporate customers throughout China.ZestFinance和中国网络零售巨头京东宣布成立一家合资公司,在中国市场上提供消费者信贷评分务。京东拥有1亿活跃用户,年营收达200亿美元。这家合资企业名为JD-ZestFinance Gaia,最初将为京东上的分期贷款购物行为评估信贷风险。公司打算最终为中国各地的企业客户提供信用分析务。JD.com is also making a minority investment in ZestFinance, though the companies would not disclose the size of the investment or the valuation of the start-up.京东还对ZestFinance进行了少数股权投资,不过双方没有透露投资规模或是ZestFinance的估值。“This is a great validation that what we’ve built works,” said Douglas C. Merrill, founder and chief executive of ZestFinance.“这是对我们的巨大认可,明我们的方法是行得通的,”ZestFinance的创始人兼首席执行官道格拉斯·C·梅里尔(Douglas C. Merrill)说。There is a lot of enthusiasm for the data science approach to credit analysis, and venture funding is flowing into this emerging field. The promise is that high-tech tools can give greater depth and detail to the basic principle of banking: know your customer. Start-ups in the field, beside ZestFinance, include Affirm, Earnest, Elevate and LendUp.人们对于用数据科学的方法来进行信用分析热情高涨,风险资本也正在流入这个新兴的领域。业的基本原则是了解客户,而高科技工具有望为此提供更深层次的剖析和更多的细节。除了ZestFinance之外,该领域的初创公司还有Affirm、Earnest、Elevate和LendUp。The start-ups’ methods vary, as do the data sources they tap. But their algorithms sift through data that can include a person’s social-network connections, web-browsing habits, how they fill out online forms and their online purchases.这些初创公司的方法各异,利用的数据源也不尽相同。不过,它们用来筛选数据的算法可能会涵盖个人在社交网络上的关系、浏览网页的习惯、填写网上表格的方式,以及网上购物的偏好。The software looks for patterns and correlations: digital signals that help assess an individual’s willingness and ability to repay. The picture that emerges from the data, enthusiasts say, should result in more accurate risk analysis, thus opening the door to extending consumer credit to millions more people at lower cost.这种软件寻找的是模式与相关性,即有助于评估一个人的偿还意愿和能力的数字信号。追捧者认为,数据勾勒出来的面貌,应该可以让风险分析变得更加精准,因此有助于以更低的成本把消费者信贷提供给额外的人,而其中涉及的人数成百上千万。Yet public policy experts say the enthusiasm for the new lending models is outrunning the evidence. The accuracy and fairness of big data credit technology is unproven, said Aaron Rieke, a former lawyer for the Federal Trade Commission and director of technology projects for Upturn, a policy consulting firm. Mr. Rieke was a co-author of a report last year, supported by the Ford Foundation, that cited ZestFinance as a prime example of big data underwriting, which deploys “fringe alternative scoring models.”然而,一些公共政策专家认为,人们对贷款新模式的热情跑在了据的前面。阿隆·里克(Aaron Riek)称,大数据信用技术的准确性和公正性尚未经过实。里克曾在联邦贸易委员会(Federal Trade Commission)任律师,目前是政策咨询公司Upturn的技术项目总监,去年参与撰写了福特基金会(Ford Foundation)赞助的一份报告。该报告将ZestFinance称为大数据贷款审批领域的一个典型,采用“非主流的替代性信用评分模型”。But JD.com sought out ZestFinance, tested its technology and came away impressed. Last fall, Chen Shengqiang, chief executive of the Chinese company’s finance unit, visited the ZestFinance offices in Los Angeles and spoke to Mr. Merrill and members of his team. Soon after, Mr. Merrill traveled to the Chinese company’s headquarters in Beijing to work on setting up a test of ZestFinance’s technology, working with JD.com data.但是京东找到了ZestFinance,测试了它的技术,并对它印象深刻。去年秋天,京东金融集团的首席执行官陈胜强参观了ZestFinance位于洛杉矶的办公室,并与梅里尔及其团队的成员进行交谈。不久后,梅里尔前往北京的京东总部,用该公司的数据对ZestFinance的技术进行了一次测试。ZestFinance, founded in 2009, began making loans itself and underwriting loans made by lending partners in 2010. In the ed States, ZestFinance has focused its risk analysis on installment loans that are a lower-cost alternative to payday loans. Those borrowers are in the subprime market, and typically have experienced a credit setback in the past, like a personal bankruptcy.ZestFinance成立于2009年,从2010年开始自己为客户提供贷款,并审批合作伙伴的贷款。在美国,ZestFinance一直专注在分期贷款的风险分析上。对于发薪日贷款,分期贷款是一个成本较低的选择。其借款人来自次级贷款市场,通常以前都在信用上遭遇过问题,比如个人破产。In China, JD.com had a very different assignment for ZestFinance, using different data sources than in America. Only 20 percent of Chinese adults have a credit score, and they often are given credit through the People’s Bank of China, the nation’s central bank, and through affiliations with large state-owned corporations.在中国,京东交给ZestFinance的任务则大不相同,而且使用的数据源也有异于美国。在中国成年人中,只有20%拥有信用评分。他们获得信用的途径往往是通过央行中国人民,或是与大型国有企业之间的关系。Across the broader population, lending tends to be more personal and informal — cash loans from networks of friends and relatives.在更多的中国民众那里,贷款往往具有更加个人化的非正式性质——从亲戚朋友那里借钱。But China’s leaders are seeking to stimulate consumer spending to make its economy less dependent on industrial exports. Expanding consumer credit is part of the formula, and the government is allowing private companies, like JD.com, to innovate.但是中国领导层正在努力刺激消费,以使中国经济减轻对工业出口的依赖。扩大消费信贷是整个策略的一部分,政府准许如京东这样的私营企业在这一领域进行创新。Since early 2014, JD.com had been offering its own consumer loans of up to a few thousand dollars for purchases of televisions, smartphones, computers, refrigerators and other merchandise. JD.com’s business model is sometimes compared to a combination of Amazon and UPS.自2014年初开始,京东一直给它的用户提供贷款(最高达几千美元)用以购买电视、智能手机、电脑、冰箱和其他商品。京东的商业模式有时被比作亚马逊(Amazon)加UPS。Like Amazon, the company buys goods from manufacturers and has a national network of distribution centers and warehouses. It also has its own fleet of delivery vans. JD.com handles more than two million orders a day, and offers next-day delivery in much of China. It is a full-service online retailer, unlike its better-known rival, Alibaba, whose marketplace connects buyers and sellers.和亚马逊一样,京东也是从制造商那里进货,并建设了全国性的物流和仓储网络。此外,它还有自己的厢式送货车配送队伍。京东的日均交易处理量达200多万单,在中国大部分地区可实现下单次日送达。与它更为知名的对手阿里巴巴(其业务领域是作为一个平台,在买家和卖家之间搭桥)不同,京东是一个提供全方位务的在线零售商。In its test run for the Chinese company, ZestFinance built risk models using JD.com transaction data: what people buy, when they buy it, what brands they choose, where they live and other nuggets of information in the sales data.在为其中国公司进行测试时,ZestFinance利用京东的交易数据——包括人们买什么、何时买、选什么品牌、住在哪里,及交易数据中其他有价值的信息——建立了风险模型。“There’s signals in there,” Mr. Merrill said. “But what would seem like simple signals can actually be very complex.”“这些数据里有一些信号,”梅里尔说道。“但那些看起来简单的信号,实际上可能非常复杂。”For example, one might expect that a person purchasing a lot of luxury goods online is a good credit risk. But Mr. Merrill said that often is not the case. It could be a sign of reckless overspending or even fraud, he said, when linked with other data.比如,人们可能觉得在网上买很多奢侈品的人信用风险小。但梅里尔表示,情况往往并非如此。他说,跟其他数据联系起来看,这可能意味着不计后果地过度消费,甚至可能是欺诈。If a person is making purchases during the day, that could be a signal that the buyer is unemployed. But, Mr. Merrill said, if the purchases are made during the midday lunchtime, from an office computer, it could well be a sign of a hard-working employee squeezing in time to buy necessities.如果一个人是在白天时间买东西,可能表示这个买家没有工作。但如果交易是在午餐时间发生,而且是在办公电脑上进行,梅里尔说,那就很可能代表这是一个勤奋的员工在挤时间买必需品。In its test, the creditworthiness predictions made by ZestFinance were compared to the results of JD.com’s experience making loans, which was essentially the control group. The ZestFinance algorithms won handily.在测试中,ZestFinance所作的资信预测,与京东自身放贷的结果作了对比,后者实质上就是对照组。ZestFinance的算法轻松胜出。The Chinese online retailer, said Josh Gartner, senior director for international communications for JD.com, hopes to “greatly improve the efficiency of deciding who should be offered credit or not.”京东国际公关高级总监约什·加德纳(Josh Gartner)表示,京东希望能“大大提高其贷款决策的效率”。Data science methods, Mr. Gartner added, can fill a gap “where traditional metrics tend to be less useful, and China would obviously be one of those places.”加德纳补充道,数据科学的方法可以在“传统衡量方法表现欠佳的地方”填补一个空白,“中国显然就是一个这样的地方”。In a statement, Mr. Chen pointed to the potential value of the joint venture beyond JD.com itself. He called the link-up with ZestFinance “a foundational step toward building a reliable system for assessing credit risk that will help meet the huge market need.”陈胜强在一份声明中指出了这一合资公司在京东之外的潜在价值。他将京东和ZestFinance的联合描述为“在建立可靠的信用风险评估系统,从而满足广阔的市场需求方面,是基础性的一步。” /201507/383706靴脚陆龟多少钱一只友谊县苏卡达象龟地龟刺山龟麝香龟欧洲陆龟日本石龟哈米顿氏龟价格怎么养

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