48 results about "Default rate" patented technology

A method and apparatus for developing a structural model of credit risk that incorporates the short-term uncertainty inherent in default events is disclosed. The model is based on the assumption of incomplete information, taking as premise that bond investors are not certain about the true level of a firm's value that may trigger default. In addition, the coherent integration of structure and uncertainty is facilitated with compensators. Compensators form the infrastructure of a class of credit models that is broad enough to include traditional structural models, intensity-based models, and a great deal more. Several empirical examples are provided that compare default probabilities and credit yield spreads forecast by the incomplete information model to the output of a Black and Cox (1976) model. It is found that the incomplete information model reacts more quickly and, unlike traditional structural models, forecasts positive short-term credit spreads for firms that are in distress. It is also demonstrated that while the model is predicated on the surprise nature of default, it does not have conditional default rate.

The invention provides a system and a method used for credit rating and based on matching of credit rate and loss given default. The system is formed by a data analysis module, a system maintenance module, a data query module and a report production module. The report production module can be used for storing credit rating results, printing and previewing. The system meets a credit essential attribute that the higher the credit rate is, the lower the loss given default is and avoids the problem that an adjustment result is obtained through infinite multiple adjustment, wherein the adjustment result is the higher the credit rate is, the lower the loss given default is. Under the condition that creditors such as commercial banks understand that different credit rates correspond to default rates, the system can avoids loss caused by the fact that clients under the rate of a break-even point perform loans and reduce loan loss. According to default conditions of different credit rates, reasonable pricing for making up default risk premium is performed on financial instruments of loans, bonds and the like, and the system and the method enable creditors such as commercial banks and bond investors and social public to understand default conditions of each credit rate and perform investment decision.

A computerized system and method for evaluating collateralized debt obligations receives user input selecting a scenario or feature, loads data related to a portfolio of securitized assets on to the computer storage medium, determines a scenario default rate using at least one of a beta distributed recovery, a counterparty risk, a loss given default, or a non-zero inter-sector correlation, or models at least one of a short position scenario, a nth to default basket, a forward start date and an equity default swap, and reports a result relating to the scenario default rate.

The invention discloses a method and a system for power grid resource configuration, and an input-and-output metering method and system for power grid resource configuration. The power grid resource configuration method comprises steps that a first power supply party deviation function is constructed according to a power supply party plan,actual generating capacity and the first preset unit data; a first default function is constructed according to a first preset default rate; a contract input metering function of each contract of a power supply party is constructed according to a second default determination result of the power supply party, a preset contract value of each contract, a guarantee fund rate and a second default rate; a main power supply party input metering function is constructed according to the functions of the previous steps; a second electricity user party deviation function is constructed, and a main electricity user party output metering function is constructed according to a preset contract value of each contract of an electricity user party; the main power supply party input metering function and the main electricity user party output metering function are written into an electric power resource configuration model, and optimal configuration parameters are acquired for configuring electric power resources of the power supply party and the electricity user party. The method is advantaged in that the electric power resources of the power supply party and the electricity user party are reasonably configured, and development demands of the electric power industry are satisfied.

A method for controlling charging and discharging of an electric vehicle, the method comprising: first, analyzing information such as the battery status and the history default rate of electric vehicles applying for joining a power-grid charging and discharging service, and screening out an electric vehicle that can participate in the charging and discharging service for electric vehicles in the future; then, determining an optimal combination state of a generator set and the electric vehicle by using a method of electric energy transmission cost comparison; and further monitoring in real time the status of the electric vehicle during charging and discharging, and performing real-time power control on the electric vehicle, whereby an electric vehicle aggregator not only can meet the requirements on the charging and discharging service of the power system, but also can implement energy management and real-time control of the electric vehicles during charging and discharging, thereby reducing the effect of charging and discharging on the vehicle-mounted power battery.

A light fixture includes a driver circuit that fully defines operational characteristics for operation outside of “Nominal Operation” of the driver circuit. The driver circuit increases a target current or set point when the current of the light source (i.e., output current of the driver circuit) or the voltage of the light source (i.e., output voltage of the driver circuit) is below a minimum operating current or minimum operating voltage of the driver circuit regardless of a command current level of the driver circuit. The driver circuit implements a soft start ramp up scheme having a default rate of increase for a set point or target current. After a shutdown, the driver circuit periodically attempts to restart operation by increasing the set point or target current from zero (i.e., shutdown) at a reduced rate as compared to the default rate.

A user credibility social network data processing method provided by the invention is provided with a social network platform comprising WeChat, and comprises the following steps: a user registering to generate a corresponding social relationship judgment request; obtaining social data network information of different levels and types while the user initiates a borrowing request; inputting, cleaning and combing data, and outputting user social data; performing user credit assessment in the user social circle to obtain user credit data; and carrying out a step of carrying out secondary credit rating and credibility evaluation, and judging the borrowing default rate and the credit risk of the user. The method has the advantages that through overdue rate estimation of the user, the model evaluation value for distinguishing the quality of the user can reach 40 or above, the evaluation value of a traditional model is only about 35, the recognition rate of user evaluation can reach 70% or above, and namely repayment results of 70% of the users can be accurately recognized through the model. Compared with credit granting in a traditional mode, the method has a remarkable effect in practical application.

The invention discloses a temperature moisture collecting communication system for a greenhouse shed based on wireless sensor network, which comprises the following parts: a wireless sensor network constituted by measuring nodes which are distributed in the greenhouse shed; a monitoring device which is formed by connection of nodes in a base station and a monitoring terminal. The nodes in the base station are provided with wireless communication with the wireless sensor network. The monitoring terminal sets the communication system as a local display working mode or remote monitoring working mode through sending a control command. An input device is arranged in the monitoring terminal, such that the user can control the rate of sending data by the input device. The default rate of sending data is set as one time in per 30 minutes. The invention has the advantages of small volume, less power consumption, rapid network layout, convenient deploy and low cost.

The invention provides a system and a method used for credit rating and based on matching of credit rate and loss given default. The system is formed by a data analysis module, a system maintenance module, a data query module and a report production module. The report production module can be used for storing credit rating results, printing and previewing. The system meets a credit essential attribute that the higher the credit rate is, the lower the loss given default is and avoids the problem that an adjustment result is obtained through infinite multiple adjustment, wherein the adjustment result is the higher the credit rate is, the lower the loss given default is. Under the condition that creditors such as commercial banks understand that different credit rates correspond to default rates, the system can avoids loss caused by the fact that clients under the rate of a break-even point perform loans and reduce loan loss. According to default conditions of different credit rates, reasonable pricing for making up default risk premium is performed on financial instruments of loans, bonds and the like, and the system and the method enable creditors such as commercial banks and bond investors and social public to understand default conditions of each credit rate and perform investment decision.

Disclosed is a bond expected credit loss acquisition system. A default rate compilation model and a default loss rate compilation model are constructed respectively according to the objective law thatthe bonds with larger subject credit interest differences have higher default probabilities and guarantee attributes and secondary attributes jointly influence the default loss rates of the bonds; the information of to-be-queried first bonds is obtained by using an interaction and display module, the default rate PD and the default loss rate LGD of the bond are obtained by using the expected credit loss calculation model, the implicit default rate compilation model and the default loss rate compilation model, and the expected credit loss of the first bond is further obtained and displayed; asthe default rate no longer borrows foreign values, the default loss rate no longer adopts a supervision recommendation value, or the default loss rate of credit assets is borrowed, the obtained expected credit loss has high accuracy.

The invention discloses a signal transmitting method. The signal transmitting method includes: receiving a baseband signal and transmitting the baseband signal to a radio-frequency analog conversion module used for integrating a quadrature modulator with a numerically-controlled oscillator; sampling the baseband signal through the radio-frequency analog conversion module according to the default rate; converting the baseband signal according to sampling results and outputting a radio-frequency signal covering dual frequency bands or multiple frequency bands. The invention further discloses a signal transmitting device. By the arrangement, the baseband signal is directly converted into the radio-frequency signal through the radio-frequency analog conversion module, area of a printed-circuit board is reduced as compared to converting the baseband signal into the radio-frequency signal through an intermediate-frequency filter and a modulator, and cost of the device is lowered.

The invention provides an automobile lamp body die separating type inclined core-pulling mechanism. The separating type inclined core-pulling mechanism comprises a fixed die insert mounted on a fixed die plate and a movable die insert mounted on a movable die plate, wherein a movable die sliding block is arranged on the movable die insert, the movable die sliding block is connected with an upper-lower movable block through a limiting mechanism, an elastic component is sleeved on the upper part of the limiting mechanism, the lower end of the upper-lower movable block is provided with a sliding chute, an inclined hole insert pin is slidingly arranged in the sliding chute, the upper end of the upper-lower movable block is provided with a nylon die locker, a nylon die locker bush is sleeved on the nylon die locker, and the nylon die locker bush is fixedly arranged on the fixed die insert. According to the automobile lamp body die separating type inclined core-pulling mechanism, the technical difficulties that the complex cylinder core-pulling mechanism of the traditional die needs frequent maintenance and the default rate is high are solved; the injection molding period is further shortened without fussy cylinder core-pulling action, the production cost is reduced, and good economic value is realized.