Dissertationen zum Thema „GSM band“
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Park, Yunseo. „Direct Conversion RF Front-End Implementation for Ultra-Wideband (UWB) and GSM/WCDMA Dual-Band Applications in Silicon-Based Technologies“. Diss., Georgia Institute of Technology, 2005. http://hdl.handle.net/1853/7563.
Der volle Inhalt der QuelleZaraket, Elie. „Réalisation d’une 'méta-peau' récupératrice d’énergie électromagnétique pour des applications WBAN“. Electronic Thesis or Diss., Bordeaux, 2025. http://www.theses.fr/2025BORD0035.
Der volle Inhalt der QuelleRecent advancements in remote healthcare and biomedical technologies are rapidly accelerating the development of flexible, wearable devices for continuous health monitoring. The Internet of Medical Things (IoMT) market is projected to grow at a Compound Annual Growth Rate (CAGR) of 38.5% between 2024 and 2032, with Wireless Body Area Networks (WBAN) serving as a critical driver of this growth. Thus far, the expansion of IoT devices has faced challenges in designing wearable, miniaturized, and biocompatible prototypes with power-autonomous operation for physiological sensors. Therefore, this thesis aims to develop a wearable Energy-Harvesting (EH) system, in the form of a skin-applied device, designed for monitoring physiological conditions. The primary challenge of this research is the impact of the human body on the antenna system's performance when positioned directly on the skin. The body absorbs part of the radiation, which significantly reduces the efficiency of the EH system. In this context, Artificial Magnetic Conductors (AMC)s present a promising solution as reflectors for low-profile antennas, in the GSM and WiFi bands. By leveraging their inherent zero-phase reflection properties, AMCs improve antenna performance while eliminating the need for a bulky quarter-wave backplane. The real-world tests of the dual-band AMC-backed antenna showed minimal performance distortion for WBAN applications. Finally, the integration of a designed RF-to-DC converter enables the rectenna to function as an autonomous wearable energy harvester, providing a rectified voltage of 1V at approximately -17.5 dBm, suitable for powering certain physiological sensors
Otárola, Correa Diego Antonio, und Gonzales Frank Campos. „Modernización de la red de acceso de un operador móvil para el caso de Lima Metropolitana“. Bachelor's thesis, Universidad Ricardo Palma, 2015. http://cybertesis.urp.edu.pe/handle/urp/1277.
Der volle Inhalt der QuelleVehovský, Radek. „Vliv uživatele na miniaturní antény v mobilních aplikacích“. Master's thesis, Vysoké učení technické v Brně. Fakulta elektrotechniky a komunikačních technologií, 2013. http://www.nusl.cz/ntk/nusl-219972.
Der volle Inhalt der QuelleBarros, Fabien de. „Conception, Réalisation et Caractérisation de papiers fonctionnels pour des applications de filtrage électromagnétique“. Thesis, Grenoble, 2011. http://www.theses.fr/2011GRENT118/document.
Der volle Inhalt der QuelleThe electromagnetic smog in which we live today is nowadays a real issue because it limits the use of certain technologies and also because there are some potential health risks associated with it, even if the latter is still a controversial subject. The importance of the interferences between wireless networks or the possibility of data hacking on the same networks are two examples. The aim of this thesis is to develop a new way to protect buildings against some of these electromagnetic waves. More specifically, this work focuses on a technology able to filter only the WiFi and the GSM waves through large areas of a home, like a wall for example. To do this, the functionalization of a standard component of buildings, the wallpaper, was studied. The use of frequency selective surface (FSS) was chosen. These patterns are printed directly on paper with a conductive ink printing technology: the flexography. The study also focuses on the realization of innovative filter designs. Simulation results show that these novel FSS are able to filter two or three bands. They are almost insensitive to the polarization and to the angle of incidence in the range of 0° to ±80°. The realization feasibility of this concept in a laboratory or in industrial conditions was demonstrated. Next, an experimental demonstration of this concept in the WiFi bands was carried out. In this context, the transmission coefficient was reached -30 dB. Finally, an experimental validation of the product in real conditions of use was conducted, namely the wallpaper was put over plasterboards or over wood panels. Also, the influence of the glue on the general performances and the placement of a decorative wallpaper over the FSS wallpaper were studied. In conclusion, the practical results obtained confirm and validate the theoretical predictions of this new concept, called metapaper, and show that the practical realizations are efficient enough to allow the reduction of WiFi or GSM signals
Kowlgi, Srinivasan Sandeep. „Etude des émetteurs radiofréquences multistandards destinés aux stations de base GSM/WCDMA/LTE“. Thesis, Paris, ENST, 2013. http://www.theses.fr/2013ENST0018/document.
Der volle Inhalt der QuelleContemporary telecommunication Base-Stations for GSM/EDGE, WCDMA/HSPA and LTE are increasingly complex and energy intensive. The favoured solution is a truly multi-standard transmitter known as a single Radio Access Network (single-RAN). Modern base station transmitters are often multi-standard, in that they can support different air-interface standards or modes. However, this is achieved not through concurrent operation of the different standards or 'modes', but by means of reconfiguration, which is inefficient and expensive. We envision a practical, fully multi-mode transmitter capable of simultaneously supporting GSM/EDGE, WCDMA/HSPA and LTE carriers. The evolution of 3GPP standards towards multi-mode operation is in the nascent stage. To contribute to this effort, our work revisits the architecture of the traditional macro-cell Base-Station transmitter in order to analyse and define performance requirements for a multi-standard cellular radio platform. Our system analysis and design also identifies a potential bottleneck in the proposed multi-mode chain, for which analysis is presented. Consequently and lastly, we propose the conceptual design of a variable-gain Analog Quadrature Modulator that bypasses the bottleneck, highlighting scope for future development and validation of this work. This work also brings forth some system-level issues and also highlights challenges in the operation of multi-standard Base-Stations. Some of these include multi-mode signal crest-factor reduction, carrier-to-carrier interference mitigation, per-carrier power-control, etc
Paiva, João Manuel Lima. „Análise da QoS na perspectiva do utilizador dos serviços mais comuns em sistemas celulares GSM e UMTS“. Master's thesis, Universidade de Aveiro, 2007. http://hdl.handle.net/10773/1877.
Der volle Inhalt der QuelleO aparecimento da tecnologia GSM mudou significativamente o panorama das telecomunicações. Desde que surgiram as primeiras redes comerciais,em 1991, o número de utilizadores tem aumentado continuamente. Mais recentemente, os sistemas celulares de terceira geração, entre osquais o UMTS, vieram colmatar algumas insuficiências do GSM aopermitirem acessos de alto débito para suporte de serviços de banda larga,tais como, acesso à Internet e aplicações multimédia. Actualmente, face às elevadas taxas de penetração e de utilização dos sistemas GSM e UMTS, a qualidade de serviço na perspectiva do utilizador assume-se como uma das principais vantagens competitivas dosoperadores presentes no mercado.Cada vez mais os consumidores procuram nos serviços simplicidade de utilização e qualidade superior, ininterruptamente e em qualquer lugar. Nesta dissertação são definidos indicadores de qualidade de serviço eperfis de medida que permitem avaliar o desempenho dos serviços de telefonia (voz e videotelefonia), mensagens (SMS e MMS) e dados (HTTPbrowsing, FTP upload/download e E-Mail send/receive) suportados em sistemas de comunicações móveis GSM e UMTS. Para validação dos indicadores de desempenho e perfis de medida,apresentam-se os resultados de uma análise aos serviços de telefonia, mensagens e dados, de dois operadores GSM/UMTS portugueses. ABSTRACT: The advent of GSM has changed significantly the telecommunications landscape. Since the launch of the first commercial network, in 1991,the number of subscribers has increased continuously. More recently, third generation cellular systems, in particular UMTS, went beyond GSM limitations, leveraging high-speed access and broadband services, such as internet and multimedia applications. Nowadays, due to high penetration and usage of GSM and UMTS systems, the quality of service built upon the user’s point of view is one ofcornerstones where operators seek to take competitive advantages. Consumers increasingly search for ease-of-use and superior quality, anytime and anywhere. This dissertation provides quality of service indicators and measurement profiles that allow a performance evaluation, on telephony (voice and video), messaging (SMS and MMS) and data (HTTP browsing, FTPupload/download and E-mail send/receive) services, of the GSM and UMTS mobile communications systems. To validate the performance indicators and the measurement profiles, the results of an analysis on telephony, messaging and data services,of two Portuguese GSM/UMTS operators, are provided.
Kowlgi, Srinivasan Sandeep. „Etude des émetteurs radiofréquences multistandards destinés aux stations de base GSM/WCDMA/LTE“. Electronic Thesis or Diss., Paris, ENST, 2013. http://www.theses.fr/2013ENST0018.
Der volle Inhalt der QuelleContemporary telecommunication Base-Stations for GSM/EDGE, WCDMA/HSPA and LTE are increasingly complex and energy intensive. The favoured solution is a truly multi-standard transmitter known as a single Radio Access Network (single-RAN). Modern base station transmitters are often multi-standard, in that they can support different air-interface standards or modes. However, this is achieved not through concurrent operation of the different standards or 'modes', but by means of reconfiguration, which is inefficient and expensive. We envision a practical, fully multi-mode transmitter capable of simultaneously supporting GSM/EDGE, WCDMA/HSPA and LTE carriers. The evolution of 3GPP standards towards multi-mode operation is in the nascent stage. To contribute to this effort, our work revisits the architecture of the traditional macro-cell Base-Station transmitter in order to analyse and define performance requirements for a multi-standard cellular radio platform. Our system analysis and design also identifies a potential bottleneck in the proposed multi-mode chain, for which analysis is presented. Consequently and lastly, we propose the conceptual design of a variable-gain Analog Quadrature Modulator that bypasses the bottleneck, highlighting scope for future development and validation of this work. This work also brings forth some system-level issues and also highlights challenges in the operation of multi-standard Base-Stations. Some of these include multi-mode signal crest-factor reduction, carrier-to-carrier interference mitigation, per-carrier power-control, etc
Ahmed, Mamun. „Adaptive Sub band GSC Beam forming using Linear Microphone-Array for Noise Reduction/Speech Enhancement“. Thesis, Blekinge Tekniska Högskola, Sektionen för ingenjörsvetenskap, 2012. http://urn.kb.se/resolve?urn=urn:nbn:se:bth-6174.
Der volle Inhalt der QuelleMamun Ahmed E-mail: mamuncse99cuet@yahoo.com
Crawford, Alistair, und n/a. „Bad Behaviour: The Prevention of Usability Problems Using GSE Models“. Griffith University. School of Information and Communication Technology, 2006. http://www4.gu.edu.au:8080/adt-root/public/adt-QGU20061108.154141.
Der volle Inhalt der QuelleCrawford, Alistair. „Bad Behaviour: The Prevention of Usability Problems Using GSE Models“. Thesis, Griffith University, 2006. http://hdl.handle.net/10072/366051.
Der volle Inhalt der QuelleThesis (PhD Doctorate)
Doctor of Philosophy (PhD)
School of Information and Communication Technology
Full Text
Colin, Elizabeth. „Architecture reconfigurable pour la numérisation du signal radio de récepteurs mobiles multistandards“. Paris, ENST, 2003. http://www.theses.fr/2003ENST0040.
Der volle Inhalt der QuelleThe mobile communications evolution requires receivers architectures ablle to process existing standards facilities, emerging services, and applications related to tne next generations. This Ph. D. Thesis presents a Reconfiguable Architecture for Analog-to-Digital Conversion of Multistandard Mobile RF receiver signals. It proposes the architecture best suited to handle various mobile standards. Homodyne receivers are particularly adapted because they combine strong integration and multistandard implementation. It presents an anlog baseband reconfigurable GSM/UMTS architectureIt shows a method to define specifications for each analog baseband block from the standard technical specifications. This method highlights the trade-off between the performed functions. It describes a GSM/UMTS analog-to-digital converter and finally, the design of a GSM/UMTS antialiasing filter
Colin, Elizabeth. „Architecture reconfigurable pour la numérisation du signal radio de récepteurs mobiles multi-standards“. Phd thesis, Télécom ParisTech, 2003. http://pastel.archives-ouvertes.fr/pastel-00000856.
Der volle Inhalt der QuelleNOBRE, ISABELA CUNHA MAIA. „ON THE PROTECTION OF FIXED SERVICE RECEIVERS FROM THE INTERFERENCE GENERATED BY NON-GSO SATELLITE SYSTEMS OPERATING IN THE 3.7-4.2 GHZ BAND“. PONTIFÍCIA UNIVERSIDADE CATÓLICA DO RIO DE JANEIRO, 2017. http://www.maxwell.vrac.puc-rio.br/Busca_etds.php?strSecao=resultado&nrSeq=32037@1.
Der volle Inhalt der QuelleCONSELHO NACIONAL DE DESENVOLVIMENTO CIENTÍFICO E TECNOLÓGICO
Neste trabalho, os limites atuais de densidade de fluxo de potência do Artigo 21 do Regulamento de Radiocomunicações da UIT para sistemas não-GEO operando na banda 3.7-4.2 GHz são analizados. Estes limtes visam proteger os receptores do Serviço Fixo Terrestre, operando na mesma faixa de frequência, das interferências produzidas por sistemas de satélites não geoestacionários. A análise foi motivada pela Resolução 157 [1] da Conferência Mundial de Radiocomunicações de 2015, que reconheceu a necessidade de uma revisão do Artigo 21 para que sistemas não-GEO possam operar nestas faixas de frequências assegurando, ao mesmo tempo, que os serviços primários existentes continuem protegidos. Na análise, cinco estruturas de constelações de satélites não-GEO do tipo Walker Delta, adequadamente escolhidas, foram consideradas. Resultados mostraram que os atuais limtes de pfd podem impor restrições indevidas aos sistemas não-GEO operando nesta faixa. Assim, uma metodologia para investigar uma máscara limitante de pfd mais adequada é apresentada. A aplicação desta metodologia leva a uma máscara alternativa que se aproxima dos limites atuais de pfd para satélites geoestacionários quando o número de satélites no sistema interferente não-GEO é igual a um. Uma avaliação da máscara de pfd proposta mostra que ela não impõe restrições desnecessárias aos sistemas de satélites não-GEO. Isto, junto a outros fatos, indica que os limites de pfd propostos são, de fato, muito mais adequados do que os atuais.
In this work, the current power-flux density limits in Article 21 of the ITU-R Radio Regulations for non-GSO systems operating in the 3.7-4.2 GHz band are analyzed. These limits aim the protection of Fixed Service receivers, operating in the same frequency band, from the interference produced by non-GSO satellite systems. The analysis was motivated by Resolution 157 [1] of the World Radiocommunication Conference 2015, that recognized the need for a revision of Article 21 with a view to enabling non-GSO systems to operate in these FSS frequency bands while ensuring that existing primary services are protected. In the analysis, five different Walker Delta type satellite constellation structures, adequately chosen, were considered. Results have shown that the current pfd limits may impose undue constraints to non-GSO systems operating in this band. Therefore, a methodology to investigate a more adequate pfd limiting mask is presented. The application of this methodology leads to an alternative mask that approaches the current pfd limits for the geostationary satellites when the number of satellites in the non-GSO interfering system is equal to one. An evaluation of the proposed pfd mask shows that it does not impose unnecessary constraints to the non-GSO satellite systems. This, along with other facts, indicates that the proposed pfd limits are, indeed, much more adequate than the current ones.
Neumanová, Radka. „Metodika využívání e-bankingu a elektronických katalogů“. Master's thesis, Vysoké učení technické v Brně. Fakulta podnikatelská, 2008. http://www.nusl.cz/ntk/nusl-221802.
Der volle Inhalt der QuelleButt, Pakeezah. „Regulatory capital, liquidity creation, bank characteristics and profitability: Evidence from developed and developing countries“. Thesis, Edith Cowan University, Research Online, Perth, Western Australia, 2022. https://ro.ecu.edu.au/theses/2515.
Der volle Inhalt der QuelleHarries, James Osmar. „Pragmatic theory applied to Christian mission in Africa : with special reference to Luo responses to ‘bad’ in Gem, Kenya“. Thesis, University of Birmingham, 2007. http://etheses.bham.ac.uk//id/eprint/15/.
Der volle Inhalt der QuelleCarbonari, Filho Antonio. „O impacto do capital dos bancos na rentabilidade e risco no sistema financeiro brasileiro“. Universidade Presbiteriana Mackenzie, 2015. http://tede.mackenzie.br/jspui/handle/tede/659.
Der volle Inhalt der QuelleOver the past few years, banks have always been present at the epicenter of the biggest financial crises. Adopting policies that reduce the occurrence of banking crises is important to ensure peace and security for its depositors and investors. Thus, policymakers adopted the capital as regulatory measure, which required banks greater control in relation to its risk assets. The capital also plays a fundamental role in the soundness and credibility of banks. Another important aspect of bank capital is its relationship with profitability and risk. With the capital increase, banks become less vulnerable to risk, ultimately reducing the occurrence of problems in a bank. Thus, the impact on profitability is positive in the profitability of banks, as it reduces their cost of funding and improve its perception in the market. Several studies relate capital to risk or profitability. The aim of this study, however, was to simultaneously analyze the impact of capital on profitability and risk in the Brazilian financial system. Four dependent variables of profitability and risk were used, and other explanatory variables such as those specific to banks, a measure of bank concentration and macroeconomic variables were also used. The study was conducted with the 50 largest banks considering the asset volume through a Generalized Method of Moments technique (GMM) between the period 2006-2014. The hypotheses relating the effect of capital on risk and profitability of banks showed positive results. Banks are benefited when they increase their capital with a positive impact on profitability variables. Furthermore, from the moment banks increase their risk, there is an adjustment in the level of capital upwards. Considering the importance of this sector for any economy, the study confirms the ability of Brazilian banks to prove themselves solid and profitable and at the same time taking the capital as an important factor of these achievements.
Ao longo dos últimos anos, os bancos sempre estiveram presentes no epicentro das maiores crises financeiras. Adotar políticas que reduzam a ocorrência de crises bancárias é importante para garantir tranquilidade e segurança para seus depositantes e investidores. Assim, os formuladores de políticas adotaram o capital como medida regulatória, o que exigiu dos bancos maior controle na relação com seus ativos de riscos. O capital também exerce papel fundamental na solidez e credibilidade dos bancos. Outro importante ponto do capital dos bancos é a sua relação com rentabilidade e risco. Com aumento de capital, os bancos tornamse menos vulneráveis a risco, o que acaba reduzindo a ocorrência de um banco vir a apresentar problemas. Desta forma, o impacto na rentabilidade se mostra positivo nos bancos, pois reduz seus custos de captação e melhora sua percepção junto ao mercado. Vários estudos relacionam capital com o risco ou com a rentabilidade. O objetivo deste trabalho, porém, foi buscar estudar simultaneamente o impacto do capital na rentabilidade e risco no sistema financeiro brasileiro com quatro variáveis dependentes de rentabilidade e de risco. Algumas variáveis explicativas tais como as que são especificas para bancos, uma medida de concentração bancária e variáveis macroeconômicas. O estudo foi realizado com os 50 maiores bancos brasileiros considerando o volume de ativo, por meio de um modelo de método generalizado dos momentos sistêmicos (GMM) entre o período de 2006 a 2014. As hipóteses levantadas relacionando o efeito do capital no risco e com a rentabilidade dos bancos, apresentaram resultados favoráveis. Os bancos são beneficiados quando aumentam seu capital com impacto positivo nas variáveis de rentabilidade. Além disso, a partir do momento em que bancos aumentam seu risco, há um ajuste no nível de capital para cima. Considerando a importância desse setor para qualquer economia, o estudo confirma a capacidade de os bancos brasileiros se mostrarem sólidos e ao mesmo tempo lucrativos, tendo o capital como um importante fator dessas conquistas.
Afonso, Lutcy Menezes. „Correcting for attrition in panel data using inverse probability weighting : an application to the european bank system“. Master's thesis, Instituto Superior de Economia e Gestão, 2015. http://hdl.handle.net/10400.5/8155.
Der volle Inhalt der QuelleEsta dissertação analiza técnicas de correção do efeito do enviesamento que pode ocorrer no caso dos dados utilizados apresentarem valores em falta. Tais técnicas serão aplicadas a um modelo económico para caracterização da margem líquida de juros (MLJ) bancária, utilizando dados provinientes 15 países que pertencem ao sistema bancário da União Europeia (UE15). As variáveis que caracterizam os bancos são observados entre de 2004 e 2010. E são escolhidas seguindo Valverde et al. (2007). Adicionalmente aos regressores são acrescentadas algumas variáveis macroeconómicas. A seleção proviniente da falta de alguns valores para os regressores é tratada através da ponderação probabilistica inversa. Os ponderadores são aplicados a estimadores GMM para um modelo de dados de painel dinámico.
This thesis discusses techniques to correct for the potentially biasing effects of missing data. We apply the techniques on an economic model that explains the Net Interest margin (NIM) of banks, using data from 15 countries that are part of the European Union (EU15) banking system. The variables that describe banks cover the period 2004 and 2010. We use the variables that were also used in Carbó-Valverde and Fernndez (2007). In addition, also macroeconomic variables are used as regressors. The selection that occurs as a consequence of missing values in these regressor variables is dealt with by means of Inverse Probability Weighting (IPW) techniques. The weights are applied to a GMM estimator for a dynamic panel data model that would have been consistent in the absence of missing data.
Queiroz, Eduardo Martinelli Galvão de. „Algoritmo de alocação dinâmica de largura de faixa para redes de comunicação móvel celular“. Universidade de São Paulo, 2008. http://www.teses.usp.br/teses/disponiveis/18/18155/tde-20062008-100444/.
Der volle Inhalt der QuelleThe recent growth in traffic loads in cellular networks has seen the need for a better use of system resources as its expansion is expensive. In the base transceiver station (BTS), the bandwidth availability is limited. Thus, in cellular networks the call admission control greatly influences the system performance because it determines the bandwidth use of the BTSs and if an amount of resources will or will not be allocated to a call. The network performance can be evaluated by parameters such as blocking probability of new calls, dropping probability of handoff calls and bandwidth use. This work proposes a call admission control that carries out the bandwidth borrowing when a call arrives and there is not enough bandwidth. The system makes use of a heuristic mechanism that determines the available bandwidth for the new calls according to some parameter values of the system. The bandwidth borrowing is applied to the cell ongoing calls until the minimum levels for each type are met. The algorithm was applied to the bandwidths and characteristics of a third generation cellular network, which supports voice calls, videoconference, multimedia interaction, e-mails, downloads and file transfers. It was also applied to a GSM/GPRS (global system for mobile communications/ general packet radio service), which supports voice and data calls. The results show improvements in the blocking probability of new calls, dropping probability of handoff calls and in the bandwidth use of the system.
Pinter, Julien. „Essays on two new central banking debates : central bank financial strength and monetary policy outcome : the instability of the transmission of monetary policy to deposit rates after the global financial crisis“. Thesis, Paris 1, 2017. http://www.theses.fr/2017PA01E051.
Der volle Inhalt der QuelleThis thesis deals with the new debates on central banking which arose after the 2008 global financial crisis. More particularly, two of such debates are addressed: the debates on the financial losses in central banks’ balance sheets, and the debates on the high level of bank rates compared to market interest rates following the financial crisis. The two first chapters are related to the first debate. The link between central bank financial strength and inflation is empirically examined in a large sample of 82 countries. Theoretically, this link is potentially present when the government does not fiscally support the central bank, so that the central bank can only rely on itself to improve its financial situation. The results show that in practice central bank balance sheet deteriorations indeed lead to higher inflation when fiscal support is absent. The results, based on a particularly meticulous and consistent sample selection, do not show the presence of a link between the two variables in a general context, as the theory suggests. In the second chapter, I analyze and conceptualize the argument according to which a central bank can end a peg exchange rate regime by fear of making significant losses in the future, and I apply this analysis to the Swiss franc peg between 2011 and 2015. This argument was brought forward by many commentators to explain the Swiss move, while no research before this one did study the relevance of this argument. The empirical estimates in Chapter 2 show that this argument indeed had some credibility: under some credible scenarios the Swiss central bank would have incurred significant losses by breaking its peg 17 months later, with losses exceeding a threshold judged as relevant by many central bankers. The last chapter of this thesis focuses on the spread between deposit rates and market interest rates in the Eurozone (more specifically, the EURIBOR), which became significantly positive after the financial crisis, leading some commentators to claim that deposits were over-remunerated. This chapter upholds that the major part of this spread is not due to an « abnormal » behavior of deposits but is rather due to the fact that the EURIBOR has become irrelevant after the global financial crisis. Building an alternative to the EURIBOR, the chapter concludes that banking risks have been having a major influence on the level of deposit remuneration
Silva, Junior Walter Gomes da. „Análise comparativa e fatores determinantes do spread bancário nos principais mercados da América Latina“. reponame:Repositório Institucional do FGV, 2018. http://hdl.handle.net/10438/24634.
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Os spreads bancários na América Latina apresentam altos patamares, quando comparados a outras regiões e economias do mundo. Este trabalho tem por objetivo a análise comparativa dos fatores determinantes do spread bancário, nas principais economias da América Latina, para isso, utilizaram-se dados agregados de 73 economias do mundo, sendo 11 delas países da América Latina. Partindo-se de uma base com 51 variáveis independentes, foram gerados modelos de regressão em painel. Os resultados obtidos evidenciam, que o patamar dos spreads praticados na América Latina, são principalmente impactados pela inadimplência, provisões de crédito, custos administrativos e de pessoal, concentração bancária e diversificação das receitas.
The banking spreads in Latin America show high levels when compared to other regions and economies of the world. This work has the objective of comparative analysis of the determinants factors of the banking spreads in the main economies of Latin America, for that, was used aggregated data of 73 economies in the world, 11 of which are Latin American countries. Starting from a base with 51 independent variables, panel regression models were generated. The results show that the level of spreads in Latin America is mainly impacted by nonperforming loans, the level provisions, administrative and personnel costs, banking concentration and revenues diversification.
Mapoka, Trust Tshepo. „Location based authenticated multi-services group key management for cyber security in high speed broadband wireless multicast communications : multi-service group key management scheme with location based handover authentication for multi-handoffs participating in multi-group service subscriptions, its performance evaluation and security correctness in high speed broadband wireless multicast communications“. Thesis, University of Bradford, 2015. http://hdl.handle.net/10454/14468.
Der volle Inhalt der QuelleBachhav, Pramod. „Explicit memory inclusion for efficient artificial bandwidth extension“. Electronic Thesis or Diss., Sorbonne université, 2019. http://www.theses.fr/2019SORUS492.
Der volle Inhalt der QuelleMost ABE algorithms exploit contextual information or memory captured via the use of static or dynamic features extracted from neighbouring speech frames. The use of memory leads to higher dimensional features and increased computational complexity. When information from look-ahead frames is also utilised, then latency also increases. Past work points toward the benefit to ABE of exploiting memory in the form of dynamic features with a standard regression model. Even so, the literature is missing a quantitative analysis of the relative benefit of explicit memory inclusion. The research presented in this thesis assesses the degree to which explicit memory is of benefit and furthermore reports a number of different techniques that allow for its inclusion without significant increases to latency and computational complexity. Benefits are shown through both a quantitative analysis with an information-theoretic measure and subjective listening tests. Key contributions relate to the preservation of computational efficiency through the use of dimensionality reduction in the form of principal component analysis, semisupervised stacked autoencoders and conditional variational auto-encoders. The two latter techniques optimise dimensionality reduction to deliver superior ABE performance
Wu, Chia-Hao, und 吳家豪. „Antenna Design for RFID and GSM Band Applications“. Thesis, 2008. http://ndltd.ncl.edu.tw/handle/45305542420256754815.
Der volle Inhalt der Quelle國立臺灣海洋大學
電機工程學系
96
In this thesis we have proposed a design which can be used as RFID reader system. The design is based on the integration of a network feed line onto a planar antenna. The network was constructed of passive components and when combining with the planer antenna demonstrated improved operational characteristics (CP axial ratio bandwidth of the circularly polarized antenna and cross-polarization) of the planar antenna. By constructing slots on a planar antenna and combining with the 90 degree phase shift character of a Wilkinson power divider, a circularly polarized wide bandwidth antenna in the frequency range of 800-900 MHz has been constructed. Through the use of a Wilkinson power divider in the design, the 3 dB axial ratio bandwidth showed improvement over that of a single feed circularly polarized antenna and at the same time, the new design is more compact. We have also proposed, by exploiting the high gain and directional character of Yagi antenna, a Yagi-type antenna on a PCB board fed by a coplanar waveguide. The design can be used as communication antenna for the combined omni-directional 900 MHz GSM and 2.4 GHz RFID with end-fire pattern system. Since the operated frequency is at 900 MHz, the antenna structure is implemented by feeding a coplanar waveguide into a meander line. The 2.4 GHz band is generated by frequency multiplication of the 900 MHz band. The radiation pattern of the Yagi-type antenna depends on the separation, length, and the quantity of the radiating elements. The gain of GSM band is about 0~1 dBi and the gain of RFID band is about 2~3 dBi.
Kuan, Tseng Jung, und 曾榮冠. „A Direct Conversion Transceiver for Dual-Band GSM Design“. Thesis, 2004. http://ndltd.ncl.edu.tw/handle/41233697877695774887.
Der volle Inhalt der Quelle淡江大學
電機工程學系碩士在職專班
92
In this thesis, dual band (900/1800MHz) GSM radio module is implemented for complying with ETSI standard. The radio module employs direct conversion structure in receiver and offset phase lock loop (PLL) in transmitter, which consists of the zero-IF transceiver AD6523, multi-band synthesizer AD6524, low noise amplifier (LNA), voltage control oscillator (VCO), power amplifier (PA), transmit-receive switch, power control, balun, and regulator. The design start with link budget calculation to define circuit complied with ETSI specifications. When transmitting signal, the baseband signal is modulated to 0.3GMSK (Gaussian minimum shift keying), and through radio frequency circuit up-convert frequency to 900/1800MHz specified carrier channel. When receiving signal, RF frequency direct converter to I/Q signal. The thesis emphasizes that system of integration and measurement. For this reason, make sure RF module could conform to ETSI specifications in design circuit.
Lin, Xin-Liang, und 林信良. „The Design and Evaluation of High Performance RFIC in GSM Band“. Thesis, 2004. http://ndltd.ncl.edu.tw/handle/58370183028176688412.
Der volle Inhalt der Quelle國立高雄第一科技大學
電腦與通訊工程所
92
In transceiver, the RF front end is the most remarkable part in system, which decides channel utilization, distance of transmission, communication quality and receiver’s sensitivity. Therefore, the high performance of RF module will affect total solutions. In this thesis, two RF integrated circuits (RFIC) have been designed using a 0.5-mµCMOS technology and 0.35-BiCMOS technology, and simulated by ADS (Advance Design System). The compact RFIC is composed of LNA, Mixer [1]-[2]and input/output matching impedance based on the optimum design for the model inductance. We also have first derived the model inductance, and then optimized design of the LNA, Mixer and matching circuits by the CMOS process technology. The results have been shown a low noise with a forward gain of 17dB for a RFIC in 2.4GHz and wideband in ±100MHz. Moreover, the results also have been showed a low noise with a forward gain of 12dB for a RFIC in 1.5GHz and wideband in ±300MHz. Simulating and Modeling applications are good strategies in the processes technologies of the BiCMOS devices, which it will be developed. And then we have the optimum conditions for the device structures and the processes technology will be obtained. Device characteristics of the BiCMOS are used, such as the noise figure, channel interference, output power, and power efficiency characteristics will be studied. The relationship of the device characteristics to the requirements of the advanced wireless communication systems will also be correlated. A high performance of the compact RFIC for our design can be measured and simulated by the QPSK and USB mode compatible transceiver platform. In future, we propose to develop the new GaAs-based high-frequency devices and use the modeling inductance technologies for the advanced wireless communication applications.
Lee, Wen-yi, und 李文毅. „Design and Implementation Dual-band Coupler for GSM/ISM Amplifier Application“. Thesis, 2008. http://ndltd.ncl.edu.tw/handle/08326549097765662801.
Der volle Inhalt der Quelle逢甲大學
資訊電機工程碩士在職專班
96
This thesis presents two kinds of miniature technology to reduce the size of traditional type dual-band branch-line coupler and to match one or more amplifier with its coupler characteristic to complete the dual band balance amplifier design and implementation for GSM/ISM application. Firstly SIR structure will reduce the area of traditional type dual-band branch line form 100% to 49%.Secondly T-shape and SIR structures the area of traditional type dual-band branch line will reduce to 28%. Especially , T-shape and SIR structure not only have the effect of compact-size but also be able to satisfied system specifications ,which band-width can reached 100MHz(∠S21 -∠S31 within 90°±1°). The frequency of these two compact-size branch-line couplers are designed at 0.9GHz & 2.4 GHz and fabricated on a FR-4 copper clad laminate ( ; =0.022 ; thickness=0.8mm ; metal thickness=0.02mm). Finally, the measurements result area reduction, single planar and one time implementation. Additionally, without lumped component, bonding- wires and via-holes the waste of manufacture will be reduce. In the end , a balance amplifier by using the miniaturized coupler to reach the dual band property, and research in the miniaturized circuit and balance amplifier applications.
Wu, Jing-yi, und 吳進義. „Design of Planar Dual-band Hand-held Antennas For GSM Systems“. Thesis, 1998. http://ndltd.ncl.edu.tw/handle/89416152234150724394.
Der volle Inhalt der Quelle國立臺灣大學
電機工程學系研究所
86
As far as modern personal communication is concerned, a nifty, lightweight an d multi-functioned mobile phone is always competitive. In this work, we propos ed and carefully examined a miniaturized dual band planar antenna which is des igned to be operated at both 900 and 1800 MHz for mobile phones. For the desig n purpose, a simple and easily understood design procedure is also proposed in contrast to those of the reported inverted-F antennas. Specifically, a dual b and planar antenna that meets the specifications of GSM standard is purposed. In practice, this antenna shall be further improved to be used in the versatil e wireless communication environment.
Chen, Bin-yi, und 陳秉毅. „Study of Power Amplifier Module for GSM/DCS Quad-Band Cell Phone“. Thesis, 2013. http://ndltd.ncl.edu.tw/handle/71594846951855070711.
Der volle Inhalt der Quelle義守大學
電機工程學系
101
In this thesis a compact and cost effective power amplifier (PA) module for GSM/DCS Quad-Band cell phone was designed and fabricated. This module combines three various chips. One works as a quad-band PA for GSM/DCS system and was fabricated on GaAs HBT substrate. Another one is a SP7T switch which is used to separate the paths of signals such as transmission and receiving signals for GSM and DCS, respectively. The SP7T switch was fabricated on GaAs pHEMT substrate. The third chip is mixed logic controller IC which is fabricated with CMOS process. The controller circuit provides the required signal to control the SP7T switch and also gives the base D.C.bias voltage to power amplifier so that the PA output power can be regulated. The design principle and architecture of each chips, simulation and measurement techniques were discussed in detail. The measurement results show a good consistence with simulation and the performance of the PA module nearly meet the specification of a commercial product.
Chang, Chia-wei, und 張家瑋. „Design of GSM Dual-Band Pass Microstrip Filters Using Open-Loop Resonators“. Thesis, 2009. http://ndltd.ncl.edu.tw/handle/70187977262428358090.
Der volle Inhalt der Quelle國立成功大學
電機工程學系碩博士班
97
To produce a dual-band pass microstrip filter, a circuit designer must understand determine the location that suppression oscillation frequencies of resonators and takes place and the coupling structure of resonators, and next have to overcomesolve the match problem of dual bands in the input and output ends. In order to solve the match problem, an effective design method using a quarter-wavelength impedance converter and a correlation formula of external quality factor is proposed in this study. The uniform impedance square resonator is used to design the double-frequency dual-band filter. The study showed that the even-mode impedance can be changed freely. Finally, a folding method was used to change the structure of the resonator. Analysis of the coupling coefficients was performed. The results showed that the behavior of the stop band of the circuit could be improved by adding extra transmission zero point. The proposed structure could effectively reduce the area of the circuit and promote the performance of the circuit. To realize the folding dual-band filters, the FR4 boards and the Al2O3 boards were used. The experiments showed that both the integer and non-integer second harmonics could be excited successfully and the effective area was reduced by 45%.
Hsia, Tung-Liang, und 夏同良. „Multi-Band Antenna Design for Mobile Phone on LTE/GSM/WLAN Operations“. Thesis, 2015. http://ndltd.ncl.edu.tw/handle/48035405970736956256.
Der volle Inhalt der Quelle國立高雄大學
電機工程學系碩士班
103
This study direction focuses on multi-band antenna used for mobile phone. The main structure of the antenna is planar monopole antenna with parasitic elements。 Proposed design antenna is operating at LTE 700/900/1800/2300/2500 (698~787 , 900 ,1800 , 2300 ~ 2400, 2500 ~ 2690 MHz), GSM 850/900 (824 ~ 960 MHz), DCS 1800 (17100 ~ 1880 MHz), PCS 1900 (1850 ~ 1990 MHz), UMTS 2100 (1920 ~ 2170 MHz), WLAN 2400 (2400 ~ 2480MHz) and Bluetooth (2400~2483.5MHz)。 The planar monopole antenna coupled with parasitic elements excites two fundamental modes. By adjusting the parameters of the planar monopole and the ground plane, the antenna can operate multi-band frequency .This antenna can be used for LTE/WLAN/GSM applications. The overall dimension of antenna is within 50×120×0.8 mm3 area, with antenna area of 37×19 mm2 and planar structure。
He, Cheng-Wei, und 何丞偉. „A DUAL-BAND CMOS RF FRONT-END DESIGN FOR GSM AND WCDMA APPLICATIONS“. Thesis, 2002. http://ndltd.ncl.edu.tw/handle/18140730991076278060.
Der volle Inhalt der Quelle大同大學
電機工程研究所
90
This thesis presents a highly integrated dual-band RF front-end for GSM 900 MHz and WCDMA 2 GHz systems. The front-end is designed to be used in a direct-conversion architecture with 0.25 um CMOS processes. The direct-conversion receiver includes two single-ended low noise amplifiers (LNA), a single-ended-to-differential converter, and quadrature mixers. The front-end can use the same devices in the signal path except the LNA input transistors. The LNA in GSM mode has gain 25 dB, NF (Noise Figure) 2.8 dB, input third order intercept point(IIP3) -14 dBm, and 47.8 mW power consumption. The LNA in WCDMA mode has gain 23.5 dB, NF (Noise Figure) 2.5 dB, IIP3 -14 dBm, and 58 mW power consumption. The mixer designed as doubled-balanced one with NF 10 dB, conversion gain 9 dB, IIP3 -10 dBm, and 5 mW power consumption. The schematics of the front-end are all simulated by Agilent EDA (Electronic Design Automatic)-ADS (Advanced Design System) with TSMC 0.25 um RF CMOS 2.5V technology.
Hwang, Hwong-Wen, und 黃鴻文. „Design and Performance Evaluation for Phase Locked Loops with Multi-channel in GSM band“. Thesis, 2003. http://ndltd.ncl.edu.tw/handle/64477962770776605571.
Der volle Inhalt der Quelle國立高雄第一科技大學
電腦與通訊工程所
91
This thesis conducts a high performance of Phase Locked Loops (PLLs) in GSM band. It is assumed that the modulated technology to send data with high frequency but it can not transmit as long distance in wireless environment and the demodulation technology in receiver, is restored original data from RF front-end to baseband. From the wireless system, the channel band limited, we should be to solve the band limited by the multiplex technology only. In the wireless communication, we must have a high stable local oscillator as show in conventional super heterodyne to restore the original data. In this thesis, we have been studied and implemented the high performance Phase Locked Loops, which will be to replace the local oscillator in wireless communication system. For the results, we first have a program control with single chip as 8051 to control the channel band, and then to get the short locked time and the low phase noise for our optimum design. For short locked time, we assume that the system is no noise interference to calculate as following mathematical model and simulate by matlab. In addition, we get the transient response by the unit step input for first order and second order loop filter as frequency response. Then, it is easy to solve the discussion results: (1)Can find the phase locked still as PLLs work normally. (2)Can find the optimum parameter for PLLs as short locked time. For the low noise, we can assume that the system is a linear to analyze the equivalent block diagram and to get the total response for PLLs. In our study, we realize the multi-channel for PLLs with IC SP8853 and meet the specification of GSM. We have the results by simulation with the wireless platform and results show an excellent performance. In particular, we get an optimum design flow to t fast realization for low cost and non-complexity.
LIN, CHUN-CHENG, und 林春成. „Planar Wide-Band Unsymmetry Semicircle Antenna for GSM 1800/UMTS 2100 4G LTE Applications“. Thesis, 2017. http://ndltd.ncl.edu.tw/handle/69597512194118515783.
Der volle Inhalt der QuelleChang, Yu-Fang, und 張毓芳. „Design and Implementation of Miniaturized Dual-band Branch Line Coupler for WiMAX and GSM Application“. Thesis, 2009. http://ndltd.ncl.edu.tw/handle/31418558367174449649.
Der volle Inhalt der Quelle逢甲大學
通訊工程所
97
In this thesis, the miniaturized branch-line coupler with dual-band for WiMAX and GSM application will be designed and implemented. It must have the characteristics of compact size and dual-band. In order to accord with the characteristics of dual-band, wide-band and small size, we propose several kinds of reducing size method in this research, and will apply it to the dual-band coupler. Furthermore, without any implementation of lumped elements, bonding wires, and via holes is proposed. The requirement of bandwidth is a big problem. We add capacitance to increase the bandwidth. In addition, use of coupling between line and line to make the phase become more and more flat. Above circuits have good agreement between simulation and measurement results. We will realize above couplers with PCB technology. Because of the consideration of exact phase different, high stability in the substrate and low cost, RO4003 is the best choice. It is suitable for couplers designing.
You, Jia-Hui, und 尤嘉暉. „GSM(1.8GHz)/WLAN(2.4GHz) Dual-Band Low-Voltage LNA Design With A Switchable Inductive Load“. Thesis, 2008. http://ndltd.ncl.edu.tw/handle/14945426177111785503.
Der volle Inhalt der Quelle國立成功大學
電機工程學系碩博士班
96
Recently years, in the century of speedy development wireless communication, this tendency that the mobile phone have communication and network is more and more important. Developing SOP (System on Package) and SOC (System on chip) is the mainstream. However, the receiver that having GSM and WLAN standards has been height concerned. For this receiver, if using a direct conversion structure, we need the low noise amplifier that operates in different frequency, amplify the signal of GSM and WLAN form antenna respectively. The direct way is to integrate two LNA’s for GSM and WLAN respectively. However, the chip area consumption will be increased and thus the cost increases. For the cost down reason, it becomes important to develop a re-configurable LNA circuit that can provide the frequency either in the GSM (1.8GHz) band or in the WLAN (2.4GHz) band. Moreover, by using fold-cascode structure achieve advantages of low voltage and low power. In this thesis, we try to develop the LNA1 and the LNA2 that can achieve GSM and WLAN standard at the same time. By way of switching the inductor, the operation of frequency can either in GSM band or in WLAN. In this research is fabricated in TSMC 0.18μm 1P6M CMOS process. In LNA1 structure, the average forward S21 are 13.347 dB (GSM) and 11.324 dB (WLAN), the reverse isolation S12 is under –40 dB, the S11 are –13 dB(GSM) and –20 dB (WLAN), the noise figure are 2.9 dB(GSM) and 3.4dB (WLAN), IIP3 are –6 dBm (GSM) and –1 dBm (WLAN) and the circuit power consumption is only 8.23mW. The LNA2 is designed for not to effect operation frequency of LNA1 after designing input matching of Mixer, thus added buffer designing in LNA1. In LNA2 structure, the average forward S21 are 10.893 dB (GSM) and 10.673 dB(WLAN), the reverse isolation S12 is under –60 dB, the S11 are –13 dB(GSM) and –17 dB (WLAN), the noise figure are 3.0 dB (GSM) and 3.2dB (WLAN), IIP3 are –7.2 dBm (GSM) and –5.2 dBm (WLAN) and the circuit power consumption is only 16mW. The goals of LNA1 are as followed: The first, how to do fold-cascode can operation in low voltage and in low power, moreover, let it achieve low noise at the same time. The second, how to use switch inductor change the operation frequency of LNA. The main research of LNA2 is the relation about the inter-matching of the linearity effect.
Chen, Po-Heng, und 陳柏亨. „A Multi-band Frequency Synthesizer for GSM/DCS/WIMAX/WLAN Applications with Ripple-free Circuit“. Thesis, 2010. http://ndltd.ncl.edu.tw/handle/83308204906103044718.
Der volle Inhalt der Quelle國立交通大學
電子研究所
98
A fully integrated multi-band frequency synthesizer implemented in CMOS 0.18μm process with the ripple-free circuit in a single loop is presented in this thesis. The synthesizer is designed for GSM/DCS/WIMAX/WLAN (802.11a/b/g) systems applying to IQ phase based transceivers. The proposed synthesizer with ripple-free circuit can reduce the amplitude of control voltage ripple to 3.45 μ V in locking time of 13.5μs. The synthesizer performs the suppression of 31.4dB in the power spectrum of reference-spur and the peak-to-peak jitter with 74% improvement compared to conventional single loop synthesizer designs. The measurement result of the QVCO in the frequency synthesizer has the phase noise performance of -123.38dBc/Hz at offset frequency 1MHz, and the FOM is -179dBc/Hz.
Chang, Chi-Yu, und 張啟宇. „Design of A Triple-band Antenna Switch Module for GSM Handset Application with LTCC Technology“. Thesis, 2005. http://ndltd.ncl.edu.tw/handle/08428208020882196101.
Der volle Inhalt der Quelle國立交通大學
電機資訊學院碩士在職專班
93
A procedure is design of an antenna switch module (ASM) with LTCC technology has been applied in GSM handset. By means of the design, the handset contributed not only to reduce the number of components, costs, and product’s weight, but also simplify the system assembly. A more detail research of antenna switch module (ASM) has been described the system is consists of diplexer, RF switches, and low pass filters. In the system, a simple’s diplexer design method has been applied, the effect factors of the transmitter loop insertion loss in both the SPDT and SP3T RF switches had been described, while elliptic-type filter to be chosen is by a simpler circuit’s structure. Utilized the electromagnetic simulation software to got the accurate simulation results, and by means of it to construct a validation system to got the system characteristics. The module is develops for EGSM/DCS/PCS triple band handset and achieved as maximum insertion loss of 1.65 dB in the transmitter loop for both EGSM and DCS/PCS transmitter band. As to the receiver loop, a maximum insertion loss of 1.5 dB had achieved for all the EGSM, DCS, and PCS receiver band. At least 30 dB high attenuation characteristics at harmonic in the transmitter loop were also obtained. An at least 20 dB isolation is achieved in both the transmitter or receiver mode.
See, Chan H., Raed A. Abd-Alhameed, Achimugu A. Atojoko, Neil J. McEwan und Peter S. Excell. „Link Budget Maximization for a Mobile-Band Subsurface Wireless Sensor in Challenging Water Utility Environments“. 2017. http://hdl.handle.net/10454/12141.
Der volle Inhalt der QuelleA subsurface chamber transceiver system and associated propagation channel link budget considerations for an underground wireless sensor system (UWSS) are presented: the application was a sewerage system for a water utility company. The UWSS operates over the GSM850/900, GSM1800/1900 and UMTS bands in order to operate with the standard public mobile phone system. A novel antenna was developed to minimize path loss from the underground location: a folded loop type, which is small enough to fit conveniently inside a utility manhole access chamber while giving adequate signal strength to link to mobile base stations from such a challenging environment. The electromagnetic performance was simulated and measured in both free space and in a real manhole chamber. An experimental test bed was created to determine the return loss and received signal strength with different transceiver positions below the manhole chamber access cover. Both numerical and experimental results suggested an optimum position of the unit inside the manhole, combining easy access for maintenance with viable received signal strength. This confirmed that the characteristics were adequate for incorporation in a transceiver designed to communicate with mobile base stations from underground. A field trial confirmed the successful operation of the system under severe conditions.
This work was supported partially by Yorkshire Innovation Fund, IETG Ltd. Contract, Research Development Project (RDP) and the European Union’s Horizon 2020 research and innovation programme under grant agreement H2020-MSCA-ITN-2016 SECRET-722424.
Chuang, Yu-Chou, und 莊彧宙. „ANTENNA COVERING GSM/WLANAND GPS BANDS“. Thesis, 2009. http://ndltd.ncl.edu.tw/handle/74557488103834876560.
Der volle Inhalt der Quelle大同大學
通訊工程研究所
97
In this thesis, design and implementation of a U-shaped strip-slot antenna covering GSM/WLAN/Bluetooth and GPS bands are proposed. The total antenna size is 100 x 40 mm. It is modified from a symmetrical self-complementary strip-slot structure. However, one leg of the U-shaped slot is extended to the rim of the printed circuit board. It is investigated that this extension makes the antenna also be well-matched at GPS band. Without this extension, the antenna cannot work at this band.
Fan, Yingxuan. „Mechanismus dopadů záporných úrokových sazeb na čistou úrokovou marži bank“. Master's thesis, 2021. http://www.nusl.cz/ntk/nusl-446825.
Der volle Inhalt der QuelleBečvaříková, Vendula. „Řízení neúrokového příjmu bank v prostředí nízkých úrokových sazeb“. Master's thesis, 2016. http://www.nusl.cz/ntk/nusl-345244.
Der volle Inhalt der QuelleFišerová, Tereza. „Foreign-Owned Banks and Host Economies“. Master's thesis, 2013. http://www.nusl.cz/ntk/nusl-325055.
Der volle Inhalt der QuelleProença, Catarina Alexandra Neves. „Essays On The Eurozone Banking Performance: Profitability, Risk, Remuneration And Efficiency“. Doctoral thesis, 2021. http://hdl.handle.net/10316/96397.
Der volle Inhalt der QuelleThe present dissertation addresses banking performance from several different perspectives, a general purpose that, to a large extent, was motivated by the various factors that led to the 2007/2008 global financial crisis. In particular, the low effectiveness of directors’ boards, remuneration policies with high-risk components, and earnings management can be considered amongst the most relevant drivers of this crisis. Accordingly, in order to pursue its general objective, the text is organized into three central chapters, in addition to the Introduction and final concluding section. Each chapter addresses one of the above three themes, using data on Eurozone banks directly supervised by the European Central Bank (ECB), considering the regulatory changes resulting from Directive 2013/36/EU (CRD IV), the imposition of a gender quota in the ECB and the implementation of the International Financial Reporting Standard 9. Chapter 2 investigates the influence of gender diversity upon the impact of board members’ political connections banks’ profitability and risk. Empirical results indicate that for high gender diversity the relationship between political connections and, respectively, profitability and risk, is U-shaped and inverted U-shaped. Empirical evidence also suggests that women’s greater ethical concern and risk aversion help mitigate the negative effects of political connections, shielding institutions’ interests from personal agendas’ adverse effects. Chapter 3 addresses the impact of political connections of banks’ Directors on the boards’ remuneration policies, as well as the influence of gender diversity on this impact. Statistical evidence suggests that political connections have a negative impact on remunerations, a hint that directors with political connections may prefer other types of benefits, rather than remunerations, as they may aim at future political positions and do not want to be associated with high remunerations. Gender diversity seemingly attenuates this negative effect, a finding that may be associated with the fact that women usually have greater ethical concerns, thereby promoting a more adequate remuneration policy. Chapter 4 addresses the impact of earnings management on Eurozone banks’ efficiency, examining its chronological evolution until the implementation of International Financial Reporting Standard 9. Empirical results suggest that efficiency is negatively affected by earnings management, as measured by discretionary loan loss provisions. Meanwhile, when total provisions are considered as earnings management proxy, results indicate a positive impact of loan provisions on allocative efficiency, contrarily to a negative effect of discretionary provisions. This finding helps stress the importance of defining earnings management as discretionary loan provisions, for the appropriate analysis of the former’s effect on banking efficiency.
A presente Tese aborda a performance bancária sobre diversas perspetivas, um objetivo geral que, em grande medida, foi motivado pelos vários fatores que conduziram à crise financeira global de 2007/2008. Em particular, a baixa eficácia dos Conselhos de Administração, políticas de remuneração com componentes elevadas de risco e a gestão de resultados podem ser consideradas como as causas mais relevantes desta crise. Neste sentido, e para prosseguir este objetivo, dividiu-se o estudo em três capítulos centrais, para além da Introdução e de uma secção final com a Conclusão. Cada um desses capítulos volta-se para uma daquelas temáticas, tendo sempre como referencial os bancos da Zona Euro supervisionados diretamente pelo Banco Central Europeu (BCE) e as alterações regulatórias resultantes da Diretiva 2013/36/EU (CRD IV), da imposição de uma quota de género no BCE e da implementação da International Financial Reporting Standard 9. O Capítulo 2 investiga a influência da diversidade de género no impacto das conexões políticas na rendibilidade e no risco bancário. Os resultados mostram que quando a diversidade de género é elevada, a relação entre conexões políticas e, respetivamente, rendibilidade e risco, é em forma de U e em forma de U invertido. Tal sugere que as caraterísticas diferenciadoras das mulheres, como o facto de serem mais éticas e mais avessas ao risco, ajudam a mitigar os efeitos negativos das conexões políticas, salvaguardando os interesses das instituições dos efeitos adversos das agendas pessoais dos seus administradores. O Capítulo 3 aborda o efeito das conexões políticas dos elementos dos Conselhos de Administração dos bancos na sua remuneração, assim como a influência da diversidade de género nesse efeito. A evidência estatística sugere que as conexões políticas têm um impacto negativo nas remunerações, sendo indicativo que os administradores com conexões políticas podem preferir outros tipos de benefícios, ao invés de remunerações, pois no futuro podem aspirar a novos cargos políticos, não querendo estar associados a remunerações elevadas. A diversidade de género atenua esse efeito negativo, resultado este que está associado ao facto de as mulheres geralmente apresentarem maiores preocupações éticas, promovendo políticas de remuneração mais adequadas. O capítulo 4 aborda o impacto da gestão de resultados na eficiência dos bancos da Zona Euro, analisando a sua evolução até à implementação da International Financial Reporting Standard 9. Os resultados empíricos sugerem que a eficiência é negativamente afetada pela gestão de resultados, medida pelas provisões discricionárias. Além disso, quando se considera as provisões totais como proxy da gestão de resultados, os resultados indicam um impacto positivo das provisões na eficiência de afetação, contrariamente ao efeito negativo das provisões discricionárias. Este resultado mostra a importância de definir a gestão de resultados pelas provisões discricionárias, para uma análise apropriada do seu efeito na eficiência bancária.
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