Urban commercial banks in China have accomplished remarkable achievements in information development in recent years, but data mining technology has become a bottleneck in the developing process. Advancing and applying data mining technology will help urban commercial banks discover customer values and improve customer relationship, based on which better decisions and management will be achieved, and so will core competitiveness.
The bandgap narrowing is distributed between the conduction and valence bands,according to the Jain-Roulston model,and its effects on the currents of abrupt AlGaAs/GaAs HBTs including the self-heating effect,are analyzed.By comparison experimental results with the results of other distribution models of BGN commonly used in commercial software,it can be concluded that using an accurate dopant-dependent BGN distribution model between bands is very important.
The paper begins with an analysis of the theoretical base for establishing the system of provision against risks from the point of view of risk management by commercial banks and accounting theory. First, the history and current development of such a system in our commercial banks are reviewed and summarized. Then, annual statements of five domestic listed banks for 2004 are examined to study their management over provision against risks and incumbent system construction. With that, an integrate...