疫病时期的#现金贷#
三位中国经济学家(Zhengyang Bao, Wang Yanan and Difang Huang)在一篇论文中统计分析了去年新冠疫情期间银行和金融科技公司无条件个人信用贷款的投放情况。他们发现，疫情爆发后：
1/银行和金融科技公司都增加了贷款发放规模，金融科技公司相对传统银行增幅更大（图1）；
2/银行贷款主要投向了老客户，金融科技的贷款则较为平均的分配给了新老客户；因此，银行新客户占比出现下降，金融科技公司新客户占比上升；
3/金融科技公司相比银行更倾向于向低收入客户放款，也更倾向于向金融条件受限和疫情影响较严重地区的客户放款；
4/疫情爆发前，银行和金融科技公司的坏账率差别不大，都在2%到5%之间；疫情爆发后，银行坏账率保持稳定，金融科技公司坏账率开始提升（图2）；
5/疫情爆发5个月后，银行坏账率稳定在约4%左右，金融科技公司的坏账率飙升到20%以上（图2）；
6/现有客户之间的差别并不能解释银行和金融科技公司之间坏账率的区别；金融科技公司更多向新客户、疫情地区客户放款的特征，也不能完全解释其坏账率的飙升；
7/不管是银行还是金融科技公司，贷款利率都是疫情前坏账率较好的预测指标，但这一指标对以疫情后的金融科技公司失灵。
Shadow Banking in a Crisis: Evidence from Fintech During COVID-19
https://t.cn/A6fOr97q
三位中国经济学家(Zhengyang Bao, Wang Yanan and Difang Huang)在一篇论文中统计分析了去年新冠疫情期间银行和金融科技公司无条件个人信用贷款的投放情况。他们发现，疫情爆发后：
1/银行和金融科技公司都增加了贷款发放规模，金融科技公司相对传统银行增幅更大（图1）；
2/银行贷款主要投向了老客户，金融科技的贷款则较为平均的分配给了新老客户；因此，银行新客户占比出现下降，金融科技公司新客户占比上升；
3/金融科技公司相比银行更倾向于向低收入客户放款，也更倾向于向金融条件受限和疫情影响较严重地区的客户放款；
4/疫情爆发前，银行和金融科技公司的坏账率差别不大，都在2%到5%之间；疫情爆发后，银行坏账率保持稳定，金融科技公司坏账率开始提升（图2）；
5/疫情爆发5个月后，银行坏账率稳定在约4%左右，金融科技公司的坏账率飙升到20%以上（图2）；
6/现有客户之间的差别并不能解释银行和金融科技公司之间坏账率的区别；金融科技公司更多向新客户、疫情地区客户放款的特征，也不能完全解释其坏账率的飙升；
7/不管是银行还是金融科技公司，贷款利率都是疫情前坏账率较好的预测指标，但这一指标对以疫情后的金融科技公司失灵。
Shadow Banking in a Crisis: Evidence from Fintech During COVID-19
https://t.cn/A6fOr97q
The answer to pym's devil question was announced yesterday!Figure 1 and Figure 2 are Hongfeng
34 is Hongyu
56 is Hongfeng who plays Hongyu
In short
1256 are all peaks.Congratulations for the first correct answer
I'm really good at Xueba.It's all a pun true love fan today's topic: 1. Is the case of the express brother closed?The answer to pym's devil question was announced yesterday!Figure 1 and Figure 2 are Hongfeng
34 is Hongyu
56 is Hongfeng who plays Hongyu
In short
1256 are all peaks.Congratulations for the first correct answer
I'm really good at Xueba.They are all pun true love fans today's topic: 1. After the case of the courier brother is closed
Hongyu pretended to be his brother and walked into the phonetic bar for the first time to meet with Yanan.Yanan asked him
"Do you believe Hongyu is innocent?"
How did "Hongfeng" answer her?A I only believe in the evidence; B is silent; C I believe in him; D do you believe it?2. Zhou Xun agreed to show Hongfeng the file after solving the case.Why did you break your promise?A Zhou Xun wants to wait for him to help solve the next case before giving it; B is missing on the tenth page of the file; C Liu Changyong is obstructing it; D Zhou Xun does not believe that Guan Hongfeng deliberately used an excuse to delay.
34 is Hongyu
56 is Hongfeng who plays Hongyu
In short
1256 are all peaks.Congratulations for the first correct answer
I'm really good at Xueba.It's all a pun true love fan today's topic: 1. Is the case of the express brother closed?The answer to pym's devil question was announced yesterday!Figure 1 and Figure 2 are Hongfeng
34 is Hongyu
56 is Hongfeng who plays Hongyu
In short
1256 are all peaks.Congratulations for the first correct answer
I'm really good at Xueba.They are all pun true love fans today's topic: 1. After the case of the courier brother is closed
Hongyu pretended to be his brother and walked into the phonetic bar for the first time to meet with Yanan.Yanan asked him
"Do you believe Hongyu is innocent?"
How did "Hongfeng" answer her?A I only believe in the evidence; B is silent; C I believe in him; D do you believe it?2. Zhou Xun agreed to show Hongfeng the file after solving the case.Why did you break your promise?A Zhou Xun wants to wait for him to help solve the next case before giving it; B is missing on the tenth page of the file; C Liu Changyong is obstructing it; D Zhou Xun does not believe that Guan Hongfeng deliberately used an excuse to delay.
【综述：金属及金属基复合钾离子电池负极材料的研究进展】钾离子电池（KIBs）由于其丰富的钾资源和与锂相似的特性，被认为是下一代强大的潜在储能系统。遗憾的是，KIBs的实际应用不如锂离子电池（LIBs），其中有限能量密度、普通的循环寿命和不发达的制造技术是制约KIBs应用的主要因素。近年来，人们致力于开发具有优异电化学性能的新型负极材料。值得注意的是，金属/金属氧化物材料（如Sb、Sn、Zn、SnO₂和MoO₂）由于具有较高的理论容量而被广泛用作KIBs负极，这表明其在高性能KIBs方面具有广阔的应用前景。
天津大学材料科学与工程学院的陈亚楠研究员在本综述中梳理了金属/金属氧化物电极材料储钾性能的最新研究进展。讨论了改善金属/金属氧化物电极材料电化学性能的主要策略。最后，展望了这些负极材料的研究前景。详情请点击https://t.cn/A6VMPrGn
识别图中二维码即可免费获取全文。
文章信息：Jie Xu, Shuming Dou, Yaqi Wang, Qunyao Yuan, Yida Deng, Yanan Chen. Development of Metal and Metal-Based Composites Anode Materials for Potassium-Ion Batteries. Trans Tianjin Univ, 2021, 27(3): 248-268
天津大学材料科学与工程学院的陈亚楠研究员在本综述中梳理了金属/金属氧化物电极材料储钾性能的最新研究进展。讨论了改善金属/金属氧化物电极材料电化学性能的主要策略。最后，展望了这些负极材料的研究前景。详情请点击https://t.cn/A6VMPrGn
识别图中二维码即可免费获取全文。
文章信息：Jie Xu, Shuming Dou, Yaqi Wang, Qunyao Yuan, Yida Deng, Yanan Chen. Development of Metal and Metal-Based Composites Anode Materials for Potassium-Ion Batteries. Trans Tianjin Univ, 2021, 27(3): 248-268
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