文献综述 一、课题国内外现状： 1．美国中央空调发展现状： 美国的中央空调普及率较高，这与其良好的居住条件以及较高的生活水平是分不开的。美国是世界第一经济大国，人民生活水准较高，对居住的舒适性要求也较高，这些都促进了该国中央空调的普及使用。 美国的别墅型住宅具有宽敞、高大的特点，通常由中、高收入的家庭居住。由于其层高较大，具有足够的建筑空间用于布置风道，因此在美国，风管式系统在家用小型中央空调中所占的比重相当大。同时，由于美国居民对家用空调舒适性的要求较高，因此多采用有新风的风管式系统。目前，美国风管式系统的年产量约为600万台/年，占其家用空调产量的一半左右。 美国的公寓型住宅适合于中、低收入的人群居住，其家用空调的型式以窗式空调器为主，也有采用小区供冷/热水的，一般不使用家用小型中央空调。目前美国窗式空调器年产量约为600万台/年，占其家用空调产量的一半左右。 美国的中央空调的型式以风管式系统为主，其具体形式多种多样。风管式单元空调系统和风管式空调箱系统在美国的应 用都很广泛，此外，集成了燃气炉的家用小型中央空调系统在美国的应用也非常普遍。此种家用小型中央空调系统在供冷季由制冷机组提供冷量，在供热季由燃气炉提供热量，对室内回风和新风进行处理，消除房间空调负荷，同时也可以满足家庭生活热水的需求。 2．日本小型中央空调发展现状： 与美国以风管式系统为主的特点不同，日本的家用空调走的是一条"氟系统"为主的发展道路，从窗式空调器到定速分体式空调器，再到变频分体式空调器。同样，日本的家用小型中央空调也以冷剂式空调即VRV系统为主。 在世界冷剂式空调行业中，在二十世纪九十年代以前，60％的市场被日本所占有，并且在设备开发和控制技术上都处于世界最前沿。这为日本发展VRV系统提供了技术保证。同时，日本国土面积小而人口众多，人口密度非常大，其住宅多属于高密度住宅，建筑结构较为紧凑。一般层高均较低，不适合于布置需要占用较大层高的风管式空调系统。而且日本是个国内资源匮乏的国家，其能源消耗
Load and Ultimate Moment of Prestressed Concrete Action Under Overload-Cracking Load It has been shown that a variation in the external load acting on a prestressed beam results in a change in the location of the pressure line for beams in the elastic range.This is a fundamental principle of prestressed construction.In a normal prestressed beam,this shift in the location of the pressure line continues at a relatively uniform rate,as the external load is increased,to the point where cracks develop in the tension fiber.After the cracking load has been exceeded,the rate of movement in the pressure line decreases as additional load is applied,and a significant increase in the stress in the prestressing tendon and the resultant concrete force begins to take place.This change in the action of the internal moment continues until all movement of the pressure line ceases.The moment caused by loads that are applied thereafter is offset entirely by a corresponding and proportional change in the internal forces,just as in reinforced-concrete construction.This fact,that the load in the elastic range and the plastic range is carried by actions that are fundamentally different,is very significant and renders strength computations essential for all designs in order to ensure that adequate safety factors exist.This is true even though the stresses in the elastic range may conform to a recognized elastic design criterion. It should be noted that the load deflection curve is close to a straight line up to the cracking load and that the curve becomes progressively more curved as the load is increased above the cracking load.The curvature of the load-deflection curve for loads over the cracking load is due to the change in the basic internal resisting moment action that counteracts the applied loads,as described above,as well as to plastic strains that begin to take place in the steel and the concrete when stressed to high levels. In some structures it may be essential that the flexural members remain crack free even under significant overloads.This may be due to the structures’being exposed to exceptionally corrosive atmospheres during their useful life.In designing prestressed members to be used in special structures of this type,it may be necessary to compute the load that causes cracking of the tensile flange,in order to ensure that adequate safety against cracking is provided by the design.The computation of the moment that will cause cracking is also necessary to ensure compliance with some design criteria. Many tests have demonstrated that the load-deflection curves of prestressed beams are approximately linear up to and slightly in excess of the load that causes the first cracks in the tensile flange.(The linearity is a function of the rate at which the load is applied.)For this reason,normal elastic-design relationships can be used in computing the cracking load by simply determining the load that results in a net tensile stress in the tensile flange(prestress minus the effects of the applied loads)that is equal to the tensile strength of the concrete.It is customary to assume that the flexural tensile strength of the concrete is equal to the modulus of rupture of the
中文3696字 本科毕业论文外文翻译 出处：Infosys Strategic Vision 原文： Insights from Banking Simple By Ashok Vemuri Introduction “A simpler way of banking.We treat with you respect. No extraneous features. No hidden fees.” For the unini tiated, this is the mantra of BankSimple, a Brooklyn-based startup which has positioned itself as a consumer-friendly alternative to traditional banks. BankSimple pushes a message of user experience—sophisticated personal finance analytics, a single “do-it-all” card, superior customer service, and no overdraft fees.Though branchless and primarily online-based, BankSimple is also planning to provide some traditional customer service touches, including phone support and mail-in deposits. Interestingly, BankSimple will also likely not be a bank—at least not in the technical, FDIC sense of the word. Rather, BankSimple’s strategy is to be a front-end focused on the customer experience. The back-end core “bank” component will be FDIC-insured partner banks. Unfettered by years of IT investments and entrenched applications, BankSimple’s team has the freedom to build an innovative, user-friendly online interface, customer service program, and the associated mobile and social bells and whistles that more and more consumers are demanding. One way to look at it is as a wrapper insulating the consumer from the accounting, compliance, and technology challenges that many banks face. Like personal finance sites https://www.doczj.com/doc/81498164.html, and Wesabe before it, BankSimple is looking to tap into a perceived gap between what major banks provide and what consumers want. A recent survey by ForeSee Results and Forbes found that consumers view online banking as more satisfying than banking done offline. Though good news for the industry as a whole, the survey also found that the five largest banks in the country scored the lowest in the study. Cheaper and more customer friendly, digital banking is the future—but many consumers are finding it is better done with credit unions, community banks, and (down-the-road) startups like BankSimple. As you read, significant investments are being made by banks to improve their online, mobile, and IVR customer-friendliness. Major banks are embracing these channels, and customer satisfaction will likely improve over time. Even so, startups like Bank- Simple should be viewed as a learning opportunity. Their ideas are disruptive and often highlight pain points that need to be addressed. BankSimple’s first two stated philosophies are a good place to start: “A simpler way of banking” and “We treat you with respect.”
文献出处: Waitz M. The small and medium-sized enterprise financing under P2P finance [J]. Journal of Business Research, 2016, 8(6): 81-91. 原文 The small and medium-sized enterprise financing under P2P finance Waitz M Abstract Small and medium-sized enterprise financing difficult is worldwide difficult problem. Article introduces the concept of the Internet financial, mainly summarized the P2P financial in the development of financial innovation and integration of science and technology, a combination of academic research on P2P financial now of the five directions of various views and opinions. Points out the current P2P financial problems in the development of risk control, and analyses the trend of the Internet financial. Keywords: P2P financial; Financial innovation; Risk control 1 Introduction Look from the history of enterprise development, a large enterprise originate from small and medium-sized enterprises. Small and medium-sized enterprises (smes) is the most dynamic part of the national economy, often walk in the forefront of technology development, in the high-tech industry, clean energy, green economy, etc, have good performance, play an important role in the economic transformation. Small and medium-sized enterprise financing difficult is worldwide difficult problem. These small and medium-sized enterprise financing environment and narrow channels, more than 60% are unable to get a bank loan. At present, science and technology enterprises and the characteristics of light assets, financing difficulties, become a huge bottleneck of sustainable development. 2 The concept of the Internet financial In the past two years, the Internet financial show explosive growth, since 2014, the Internet financial sector performance strength. Current economic field exists the phenomenon of two special contradiction, one is the small and medium-sized
毕业设计(论文)外文资料翻译 学院：建筑工程学院 专业：建筑环境与设备工程 姓名： ***** 学号： ******** 外文出处： Shallow talk the building environment an air condition to can consume with the warm 附件： 1.外文资料翻译译文；2.外文原文。 指导教师评语： 签名： 年月日
浅谈建筑环境与暖通空调能耗 摘要：研究建筑环境，了解暖通空调负荷产生的原因及影响因素，可以更加合理地提出解决问题的方法。 关键词：建筑环境暖通空调能耗 浅谈建筑环境与暖通空调能耗 能源为经济的发展提供了动力，但是由于各种原因，能源的发展往往滞后于经济的发展。近几年，中国的国民生产总值的增长率维持在约10％，但是能源的增长率只有3％～4％。这样的形势要求我们必须节能。建筑能源消耗在社会总能耗中的比例较大，发达国家的建筑用能一般占到全国总能耗的30％～40％；中国采暖区的城镇人口虽然只占全国人口的13.6％，但是采暖用能却占全国总能耗的9.6％。建筑节能是建筑发展的基本趋势，也是当代建筑科学技术的一个新的生长点。现代建筑的必要组成部分暖通空调领域也已经收到这种趋势的影响，暖通空调系统中的节能正在引起暖通空调工作者的注意，并且针对不同的国家、地区的能源特点和不同建筑的采暖、通风、空调要求发展者相关的节能技术。研究建筑环境，了解暖通空调负荷产生的原因及影响因素，可以更加合理地提出解决问题的方法。 暖通空调能耗的组成 为了创造舒适的室内空调环境，必须消耗大量的能源。暖通空调能耗是建筑能耗中的大户，居统计在发达国家中暖通空调能耗占建筑能耗的65％，以建筑能耗占总能耗的356％计算，暖通空调能耗占总能耗的比例竟高达22.75％，由此可见建筑节能工作的重点应该是暖通空调的节能。从暖通空调的能耗组成可以看出：暖通空调系统的能耗主要决定于空调冷、热负荷的确定和空调系统的合理配置，空调系统的布置和空调设备的选择是以空调负荷为依据的。所以暖通空调节能的关键是空调外界负荷和内部负荷的确定，而暖通空调节能工作也应该从这个方面着手，合理布置建筑物的位置，正确选择外墙、门、窗、屋顶的形状及材料等，尽量减少空调负荷。 室内环境的影响 暖通空调的目标是为人们提供舒适的生活和生产室内热环境，主要包括：室内空气温度、空气湿度、气流速度以及人体与周围环境（包括四壁、地面、顶棚等）之间的辐射换热（简称环境热辐射）等。在一般的舒适性空调中，以能够使人体保持平衡而满足
外文出处： 《Exploiting Software How to Break Code》By Greg Hoglund, Gary McGraw Publisher : Addison Wesley Pub Date : February 17, 2004 ISBN : 0-201-78695-8 译文标题： JDBC接口技术 译文： JDBC是一种可用于执行SQL语句的JavaAPI（ApplicationProgrammingInterface应用程序设计接口）。它由一些Java语言编写的类和界面组成。JDBC为数据库应用开发人员、数据库前台工具开发人员提供了一种标准的应用程序设计接口，使开发人员可以用纯Java语言编写完整的数据库应用程序。 一、ODBC到JDBC的发展历程 说到JDBC，很容易让人联想到另一个十分熟悉的字眼“ODBC”。它们之间有没有联系呢？如果有，那么它们之间又是怎样的关系呢？ ODBC是OpenDatabaseConnectivity的英文简写。它是一种用来在相关或不相关的数据库管理系统（DBMS）中存取数据的，用C语言实现的，标准应用程序数据接口。通过ODBCAPI，应用程序可以存取保存在多种不同数据库管理系统（DBMS）中的数据，而不论每个DBMS使用了何种数据存储格式和编程接口。 1．ODBC的结构模型 ODBC的结构包括四个主要部分：应用程序接口、驱动器管理器、数据库驱动器和数据源。应用程序接口：屏蔽不同的ODBC数据库驱动器之间函数调用的差别，为用户提供统一的SQL编程接口。 驱动器管理器：为应用程序装载数据库驱动器。 数据库驱动器：实现ODBC的函数调用，提供对特定数据源的SQL请求。如果需要，数据库驱动器将修改应用程序的请求，使得请求符合相关的DBMS所支持的文法。 数据源：由用户想要存取的数据以及与它相关的操作系统、DBMS和用于访问DBMS的网络平台组成。 虽然ODBC驱动器管理器的主要目的是加载数据库驱动器，以便ODBC函数调用，但是数据库驱动器本身也执行ODBC函数调用，并与数据库相互配合。因此当应用系统发出调用与数据源进行连接时，数据库驱动器能管理通信协议。当建立起与数据源的连接时，数据库驱动器便能处理应用系统向DBMS发出的请求，对分析或发自数据源的设计进行必要的翻译，并将结果返回给应用系统。 2．JDBC的诞生 自从Java语言于1995年5月正式公布以来，Java风靡全球。出现大量的用java语言编写的程序，其中也包括数据库应用程序。由于没有一个Java语言的API，编程人员不得不在Java程序中加入C语言的ODBC函数调用。这就使很多Java的优秀特性无法充分发挥，比如平台无关性、面向对象特性等。随着越来越多的编程人员对Java语言的日益喜爱，越来越多的公司在Java程序开发上投入的精力日益增加，对java语言接口的访问数据库的API 的要求越来越强烈。也由于ODBC的有其不足之处，比如它并不容易使用，没有面向对象的特性等等，SUN公司决定开发一Java语言为接口的数据库应用程序开发接口。在JDK1．x 版本中，JDBC只是一个可选部件，到了JDK1．1公布时，SQL类包（也就是JDBCAPI）
论文题目：关于巴塞尔II：新巴塞尔资本协议的影响 学院名称：财经学院专业班级：金融0814班学生姓名：王庆贺 外文题目：Dealing with Basel II: the impact of the New Basel Capital Accord 出处：Balance Sheet,2003,Vol.11(No.4) 作者：Thomas Garside and Jens Bech 译文： 关于巴塞尔II：新巴塞尔资本协议的影响 托马斯·加赛德和杰尼斯·伯克 摘要：国际监管机构在2003年完成新资本协议，银行决定在2006年底执行这个协议。巴塞尔协议是对全球银行业改革的监管。在本文中，我们回顾新巴塞尔资本协议内容以及一些我们所期望对欧洲银行业发生的重要影响。正如在第一届巴塞尔协议修正案（Basel I）中，我们得出结论，新巴塞尔协议不仅对持有资本额的数量做了规定，还对银行业的战略格局进行展望。 关键词：银行，流动性，监管，风险管理 新巴塞尔资本协议的新规则 巴塞尔委员会虽然只是公布了三分之一，但这很可能是协商的最后新资本协议（Basel II）文件。这项建议如获通过，将会深刻地改变银行的偿付能力的方式，监管机构监管银行风险管理实施过程和银行必须对市场参与者公布的风险信息量，经过讨论会，巴塞尔委员会预计将在2003年底发布的新资本协议的最后草案。 目前的巴塞尔资本协议（Basel I）对达到加强国际金融体系的稳定的既定目标已经有了显著成效，通过在不同国家持续应用本协议的同时，增加了资本水平，创造了一个更公平的竞争领域。总的来说，目前的全球一级资本的平均水平从1993年的约6%升至8%，此外，巴塞尔资本协议已经应用于100多个国家，远远超过最初的预期。 尽管实现其最初目标的成效很明显，很显然，对于巴塞尔我有一些意想不到的不
译文 银行业是必要的而银行不是，互联网时代的金融中介机构的未来 摘要 本文探讨了互联网时代下金融机构和银行作为特殊的金融机构的未来可能是怎样的问题。由于互联网而导致的交易费用的减少会降低进入金融产品市场的壁垒，因为有可能不再需要运行成本密集型的分支的大型系统。但是，对金融机构的职能研究表明，不是每个人都可以销售和经销金融产品。这是真的，因为金融业务中的信息不对称问题需要一个拥有良好信誉的中介，也因为需要限制大型资本基金转换资产的风险。这两个要求变现了进入金融中介市场的重要壁垒。并不是每一个金融产品会因为互联网的崛起而将面临更多的竞争，只有那些标准化和低风险的产品。此外，那些拥有可观资本和良好声誉的大公司可能被视为银行的新竞争者。 关键字：银行业，银行，金融机构，互联网 1、引言 “银行业是19世纪的钢铁行业。”当谈到关于新的信息技术对银行的影响的谈论时，这句话经常被提起。更一般来说，可能有人会问，新信息技术是如何成功的，特别是互联网的，可能会改变商业和金融机构的市场情况。在互联网的帮助下，人们可以执行所有银行的业务，而不需要银行。这意味着传统银行分支机构的中介。此外，互联网已经使客户直接从网上购买股票而不需要访问当地的分支银行。从更广泛的意义上来说，在互联网的帮助下，金融市场的供给和需求可能通过互联网满足，而不需要金融中介机构。互联网的崛起是否真的是金融中介机构的威胁？在急剧减少的交易成本情况下，商业和竞争将如何变化？本文考察了互联网的成功对金融机构和银行的影响。 2、金融机构的发展 几个世纪以来，许多金融交易需要个人的存在。随着现代信息技术的发展，这些都被改变了。如今，客户可以在不进入当地分支银行的情况下进行任何金融交易。转移支付和支付账单可以通过网络进行，个人金融交易以及关于金融问题的信息咨询业可以通过网络进行。此外，互联网创新类似智能卡或者其他电子支付系统消除了为了得到一些现金而访问分支银行的需要。 但是互联网也会改变咨询活动：在许多情况下，它甚至可能减少个人存在的
中文2300字 Shallow talk the building environment an air condition to can consume with the warm Summary: The research constructs environment, understanding a warm an air condition to carry output reason and influencing factor, can be more and reasonably put forward solve problem of method. Keyword: Constructing a warm of environment an air condition can consume Shallow talk the building environment an air condition to can consume with the warm The energy provided motive for the development of the economy, but because of various reason, the development of the energy is a usually behind in economy of development. In the last few years, the growth rate maintenance of citizen's total output value of China are in about 10%, but the growth rate of the energy only have 3% ～s 4%.Such situation's requesting us has to economize on energy. The comparison that constructs the energy depletion in the society always the ability consume compares greatly, the building of the flourishing nations' use can have to the whole country generally and always can consume of 30% ～s 40%;China adopts the town population of the warm area although only 13.6% that have national population, adopt warm use an ability but have a whole country and always can consume of 9.6%.Construct the economy energy is the basic trend of the building development, is also a new growth of[with] the contemporary building science technique to order. The necessity of the modern building constitutes a part of warm, the air condition realm has already received the influence of this kind of trend as well, warm the economy energy within air condition system is cause a warm the attention of the air condition worker, and aims at different of the adopt of energy characteristics and the dissimilarity building of the nation, region is warm, well ventilated, the air condition request develop a related economy energy technique .The research constructs environment, understanding a warm an air condition to carry output reason and
河南科技学院新科学院 2013届本科毕业生论文（设计） 英文文献及翻译 Foreign capital inflows and welfare in an economy with imperfect competition 学生姓名：王艳杰 所在院系：经济系 所学专业：国际经济与贸易 导师姓名：侯黎杰 完成时间：2013年4月15日
Foreign capital inflows and welfare in an economy with imperfect competition Abstract:This paper examines the resource allocational and welfare effects of exogenous inflows of foreign capital in a general-equilibrium model with oligopolistic competition and unemployment. Although the welfare impact for the short run is ambiguous and dependent upon the strength of excess profits and scale economies relative to unemployment in manufacturing, in the long run additional inflows of foreign capital always improve national welfare with capital mobility. Hence, attracting foreign capital remains a sound policy for economies characterized by imperfect competition, scale economies,and regional unemployment. Keywords: International capital mobility; Imperfect competition; Welfare 1.Introduction The welfare effects of exogenous inflows of foreign capital in the presence of trade restrictions have been extensively studied. Brecher and Diaz Alejandro (1977) show that when imports are subject to tariffs, an introduction of fo reign capital inflows accentuates the tariff distortion and hence reduces national welfare if the import-competing sector is relatively capital-intensive. In contrast, Dei (1985) shows that when imports are restricted by quotas,foreign capital inflows in the presence of foreign-owned capital always improve welfare by depressing the rental and so lowering the payments to existing foreign-owned capital. Recently, Neary (1981), using a common framework for both tariffs and quotas, obtains more general results of foreign capital inflows; the welfare effect of such inflows depends crucially on whether foreign-owned capital exists initially in the home country. In addition, Khan (1982) and Grinols (1991) have examined the effects of foreign capital inflows for a generalized Harris-Todaro economy under tariff protection. Khan finds that the result by Brecher and Diaz Alejandro is still valid even in the presence of unemployment, whereas Grinols argues that increased foreign capital need not be detrimental to welfare if the opportunity costs of labor are sufficiently low. Noteworthy is that the models used by these authors are all based upon the premise of perfect competition along with constant returns-to-scale technology. Although perfect competition serves as a useful assumption in crystallizing theoretical insights, it nevertheless fails to depict many of the real-world phenomena. The real-world economy is characterized, to a large extent, by imperfect competition and economies of scale. The policy implications of imperfect competition and economies
Improve the concept of financial supervision in rural areas1 Xun Qian Farmers in China's vast population, has some large-scale production of the farmers, but also survival-oriented farmers, huge differences between the financial needs of rural finance intermediation makes complex, together with agriculture itself is the profit low, natural and market risks high risk decision to weak agricultural industry characteristics, resulting in the cost of rural financial transactions is far higher than the city, also decided to organize the rural financial system in terms of operation or in the market has its own special characteristics. 20 years of financial reform, financial development while the Chinese city made impressive achievements, but the rural finance is the entire financial system is still the weakest link. Insufficient supply of rural finance, competition is not sufficient, farmers and agricultural enterprises in getting loans and other issues is also very prominent, backward rural financial system can no longer effectively support the development of modern agriculture or the transformation of traditional agriculture and the building of new socialist countryside, which to improve the rural financial supervision new topic. China's rural financial regulatory problems (A) the formation of China's financial regulatory system had "a line three commission " (People's Bank, the Securities Regulatory Commission, Insurance Regulatory Commission and the Banking Regulatory Commission) financial regulatory structure. Bank These stringent requirements, different management and diversification of monitoring has its positive role, but it also had some negative effects. First, inefficient supervision, supervision of internal consumption of high costs, limited financial industry business development and innovation space. Second, the regulatory agencies, regulatory bodies and the information asymmetry between central banks, banking, securities, and insurance mechanisms of coordination between regulatory bodies are not perfect. Information between central banks and regulatory agencies is difficult to share, is difficult to create effective monitoring force. Basically between the various 1American Journal of Agricultural Economics，2009.