... would be terminated since the beginning of 2011 According to the Law on Credit Institutions Vietnam in 1997, which was amended in 2004 and 2010, the system of Vietnam credit institutions include: ... the State Bank of Vietnam began to apply the interest rate ceiling of 14% from the end of September 2011 The ceiling interest rate then continuously adjusted decreasing according to inflation developments ... 3.2% in 2011 to over 8% by the end of 2012 and in 2013 was 7% had made provision for the cost of banking risks increase The main reasons outlined above made profit of the banking system in 2013...
Ngày tải lên: 24/09/2015, 16:18
... agencies The intake officer considers a number of factors in deciding whether informal proceedings are appropriate, including the seriousness of the alleged crimes, the minor’s delinquency and ... reluctant treating professional who is involuntarily compelled to participate in a legal proceeding involving a client or former client by providing records or testimony Jerry is the kind of mental ... mental health clinician) who has treated an individual and, because of the personal or evolving situation of that individual, finds himself or herself the focus of inquiry concerning the statements...
Ngày tải lên: 15/02/2014, 02:20
Báo cáo hóa học: "Safety evaluation of allogeneic umbilical cord blood mononuclear cell therapy for degenerative conditions" pot
... Journal of Translational Medicine 2010, 8:75 http://www.translational -medicine. com/content/8/1/75 Page of Under the practice of medicine, several treatment facilities have been using cord blood ... Journal of Translational Medicine 2010, 8:75 http://www.translational -medicine. com/content/8/1/75 Cell administration Intrathecal injection by lumbar puncture was combined with intravenous infusion ... therapy outweigh possible regenerative activities The current study investigated the safety of allogeneic cord blood cells for use in regenerative applications in absence of immune suppression No...
Ngày tải lên: 18/06/2014, 16:20
Báo cáo khoa học: "Increased phosphorylation of caveolin-1 in the spinal cord of irradiated rats" pdf
... level of fibronectin in order to determine if there was any leakage of blood fibronectin in the spinal cords with irradiation The level of fibronectin immunoreactivity was significantly higher in ... ependymal cells in the spinal cords of the normal rats (Figs 2A & B) In the irradiated spinal cords, p-caveolin-1 was found to be intensely immunostained in the ramified glial cells as well as in some ... double-labeling experiment was performed in the spinal cords to determine the cell phenotype of p-caveolin-1 expression The immunoreactivity of p-caveolin-1 in the parenchyma was co-localized in some...
Ngày tải lên: 07/08/2014, 20:23
Blood Disorders in the Elderly - part 1 pps
... and Research Institute, Tampa, Florida, and Professor of Oncology and Medicine William Ershler is Director of the Institute for Advanced Studies in Aging and Geriatric Medicine, Washington DC Giovanni ... age of each individual, which can only be estimated on the basis of individual assessment In Blood Disorders of the Elderly we propose a novel look at aging By identifying the in uence of aging ... Activities of daily living (A) Instrumental activities of daily living (IADLs) Use of transportation Shopping Taking medication Providing one’s own meals Using the telephone Managing money (B)...
Ngày tải lên: 10/08/2014, 16:22
A study on the techniques for the improvement to the teaching of oral skills in light of communicative english language teaching for junior high school teachers in quang ngai province part 1
... vocabulary Using dialogues for practice Eliciting Checking understanding Using drills Getting students to speak freely Teaching listening Teaching writing Teaching reading Teaching speaking Using dictation ... Teaching listening Teaching speaking Teaching writing Grammar practice activities Using songs Testing comprehension Presenting new grammar Testing spoken English Practicing new vocabulary Teaching ... following topics for their use them regularly in their teaching: teaching: TOPICS Testing grammar Correcting students’ errors Testing vocabulary Eliciting Planning lessons Checking understanding...
Ngày tải lên: 07/11/2012, 14:41
(1) how learners approach learning, both in and out of classrooms, and (2) the kinds of strategies and cognitive processing they use in second language acquisition
... knowing or guessing the meaning of words in context Zoubir-Shaw and Oxford (1995) found that males reported more often than females that “not knowing the meaning of a word impeded their thinking ... contribute indirectly to learning since they not lead directly to the obtaining, storing, retrieving, and using of language.” (Rubin & Wenden, 1987:23-27) 15 O’Malley and Chamot’s (1990) taxonomy Basing ... Creating mental linkages B Applying images and sounds C Reviewing well D Employing action II Cognitive A Practising B Receiving and sending messages strategies C Analysing and reasoning D Creating...
Ngày tải lên: 29/01/2014, 00:23
Expansion and its realization in the short story “the law of life” by jack london
... (non-restrictive) relative clauses According to Halliday (1994: 227) in terms of meaning, these clauses not define subsets, in the way that a defining clause does.’ For example, in “The girl who talked ... collects paintings, as did several of his ancestors The causal-conditional relation consists of cause and condition Clauses of cause can be introduced by because, as, since, seeing that, etc Because ... Postmodifier in a nominal or adverbial group or as Head in a nominal group In the analysis, the ordinal numbers at the beginning of each clause complex are used to represent the number of clause complexes,...
Ngày tải lên: 29/01/2014, 14:44
Tài liệu IMPACT OF BANK COMPETITION ON THE INTEREST RATE PASS-THROUGH IN THE EURO AREA pptx
... transmission According to the seminal papers by Klein (1971) and Monti (1972) on banks’ interest rate setting behaviour, banks can exert a degree of market pricing power in determining loan and ... related to profits, in the sense that extremely high profits may be indicative of a lack of competition A traditional measure of profitability is the price-cost margin (PCM), which ECB Working Paper ... on the adjustment of retail bank interest rates to changes in market interest rates Given the prominent role of the banking sector in the euro area’s financial system, it is of significant importance...
Ngày tải lên: 15/02/2014, 05:20
Tài liệu On the Importance of Prior Relationships in Bank Loans to Retail Customers docx
... Borrower Industry Borrower Industry Job Stability years Internal Rating Rating – Rating 12 External Rating Rating – Rating Log(Income) is the natural logarithm of the monthly net income of ... regional principle, i.e savings banks can only engage in business with people living in their region, facilitates the use of this instrument in our setting We collect data for each savings bank ... one bank we examine the loan making decision of 296 different banks Finally, we find evidence suggesting screening, monitoring, and borrower incentives as distinct sources of value of relationships...
Ngày tải lên: 16/02/2014, 06:20
Tài liệu Engineering Mechanics - StaticsChapter 1Problem 1-1 Represent each of the following combinations of units in the correct SI form using an appropriate prefix: (a) m/ms (b) μkm (c) ks/mg (d) km⋅ μN Units Used: μN = 10−6N kmμkm = 109−6Gs = 10 s pptx
... in writing from the publisher Engineering Mechanics - Statics Chapter Problem 2-27 The beam is to be hoisted using two chains Determine the magnitudes of forces FA and FB acting on each chain ... the magnitude of force F in this chain is a minimum All forces lie in the x-y plane.What is the magnitude of F ? Hint: First find the resultant of the two known forces Force F acts in this direction ... figure, P is minimum when θ + θ = 90 deg θ = 90 deg − θ θ = 60 deg P sin ( θ ) P = F1 = sin ( 90 deg) F sin ( θ ) sin ( 90 deg) P = 40 lb T sin ( θ ) T = F1 = F1 sin ( 90 deg) sin ( θ ) sin ( 90 deg)...
Ngày tải lên: 17/02/2014, 14:20
Tài liệu Báo cáo khoa học: NMR structural characterization of HIV-1 virus protein U cytoplasmic domain in the presence of dodecylphosphatidylcholine micelles doc
... K, Hoffmann S, Bauer F, Friedrich U, Kardinal C, Feller SM, Biesinger B & Sticht H (2002) Structural investigation of the binding of a herpesviral protein to the SH3 domain of tyrosine kinase ... respectively retained in the centre of the interhelical linker and at the C-terminus of micelle-associated VpUcyt Position of VpUcyt relative to the micelle NMR signal intensities of individual VpUcyt ... casein kinase II-mediated phosphorylation of two serines in VpU [5] VpU binding to b-TrCP does not induce its own degradation Instead, VpU degradation is reported to be b-TrCP independent and involves...
Ngày tải lên: 18/02/2014, 06:20
Tài liệu Báo cáo khoa học: Abstract Integration of Metabolism and Survival PP-1 The metabolic switch in liver methionine metabolism pptx
... examining a protein – DNA interaction In this method the protein-dependent association of two fluorescent-labelled DNA fragments each containing about half of a sequence defining a protein-binding ... caerulein induces chemokine synthesis in pancreatic acinar cells R Ramnath and M Bhatia Department of Pharmacology, National University of Singapore, Yong Loo Lin School of Medicine, Singapore ... parameters cannot be used as a distinctive marker in the diagnosis of infertility, but could be used in distinctive diagnosis of urogenital infections in men PP-26 The inhibition of NF-jB activation...
Ngày tải lên: 19/02/2014, 07:20
Tài liệu Báo cáo khoa học: The role of N-glycosylation in the stability, trafficking and GABA-uptake of GABA-transporter 1 Terminal N-glycans facilitate efficient GABA-uptake activity of the GABA transporter pptx
... misfolding of this protein, resulting in its partial retention in the ER and its rapid digestion thereafter [16,19] Accordingly, our results indicate that the intracellular trafficking of N-glycosylation ... substrate binding process This provides strong evidence that N-glycans, in particular their terminal structures, are involved in regulating the GABA translocation of GAT1, but not in binding of GAT1 ... terminal structures of the N-glycans of GAT1, N-glycosylation processing of NNN was inhibited by 1-deoxymannojirimycin (dMM) Inhibition by dMM leads to the formation of NNN molecules containing...
Ngày tải lên: 19/02/2014, 17:20
Tài liệu The World Bank in Russia Russian Economic Report: Moderating Risks, Bolstering Growth ppt
... raising the quality of public spending would be crucial for bringing about fiscal savings while maintaining public services This would also create the room to invest in growth-enhancing infrastructure ... days in India and six days in Brazil Figure 38: 2012 Doing Business ranking by country grouping Russia Other Emerging Economies Emerging EU OECD high-income Resolving Insolvencies Enforcing Contracts ... of the Chinese insurance sector in instructive in this regard Despite great fears of a contraction in the Chinese insurance industry, there was a large expansion Salaries of skilled workers in...
Ngày tải lên: 20/02/2014, 20:20
Tài liệu ‘Unheard voices’: listening to Refugees and Asylum seekers in the planning and delivery of mental health service provision in London. pptx
... about difficult things during this period User involvement User involvement was discussed both in terms of involvement in the planning and delivery of services and in terms of direct involvement or ... ongoing difficulties of individuals; for focusing too much on a limited range of reactions; for undermining traditional coping strategies; and for ignoring the role of culture in shaping meaning ... Reductions in disproportionate inpatient admissions Compulsory detention Use of seclusion Interpretation and investigation of violent incidents Monitoring and investigating death in mental health...
Ngày tải lên: 24/02/2014, 18:20
The Determinants of Commercial Bank Profitability in Sub-Saharan Africa potx
... increase foreign banks’ chances of making profits Market power is expected to be a major determinant of profits This is because banks in more concentrated markets should be capable of adjusting ... of financial deepening in SSA Moreover, a common finding in the banking literature is that these measures of concentration have only a weak relationship with profitability when market share of ... “Determinants of European Bank Profitability: A Note,” Journal of Banking and Finance 16, 1173-1178 Saunders, A and L Schumacher (2000) “The Determinants of Bank Interest Rate Margins: An International...
Ngày tải lên: 06/03/2014, 14:20
Báo cáo khoa học: Insulin resistance in human adipocytes occurs downstream of IRS1 after surgical cell isolation but at the 1 level of phosphorylation of IRS1 in type 2 diabetes pot
... reduce postoperative insulin resistance Insulin resistance in type diabetes Tyrosine phosphorylation of the insulin receptor increased over the same concentration range of insulin in cells from patients ... maximal effects of insulin on the state of tyrosinephosphorylation of the insulin receptor or of IRS1, or of phosphorylation of ERK1 ⁄ 2, was not significantly different in either group of diabetics ... that mutations in the insulin receptor cannot explain the vast majority of cases of type diabetes Downstream defects in insulin receptor signalling to tyrosine phosphorylation of IRS1 has been...
Ngày tải lên: 07/03/2014, 16:20
MICROECONOMICSPrinciples and AnalysisFrank A. CowellSTICERD and Department of Economics London School of Economics December 2004.ii.ContentsContents List of Tables List of Figures Preface 1 Introduction 1.1 The rôle of microeconomic principles . potx
... and a list of prices w := (w1 ; w2 ; ::; wm ) for each of the m inputs respectively (mnemonic –think of wi as the “wage” of input i) Of course it may be interesting to consider forms of economic ... …gure illustrating the corner solution in (b) Interpret this …rst-order condition using the concept of the …rm’ “relative value of one input in terms of another from the …rm’ s s point of view (see ... the inputs? Because the function C is derived from a process of cost minimisation, it possesses a number of very useful properties First, C must be strictly increasing in at least one of the input...
Ngày tải lên: 08/03/2014, 10:20