<p>Sverige ska år 2020 ha en energiförsörjning bestående av 50 % förnybara energikällor. Den viktigaste källan till förnybar energi är solen. Solel är dock en dyr investering idag och gällande regelverk försvårar möjligheterna till att tillgodoräkna sig egenproducerad el.</p><p>Byggföretaget JM bygger redan hus med låg energianvändning. Ett sätt att bidra till ett förnybart energianvändande är att installera system som producerar egen el till husen. Detta arbete har genomförts för att undersöka om solel kan komma att bli en konkurrenskraftig produkt att erbjuda JM:s husköpare. I arbetet har ett specifikt område och en av företagets typhusmodeller studerats.</p><p>Dagens solcellsteknik har studerats och ett system för huset har komponerats. Det finns ett flertal typer av solceller men i detta arbete har polykristallina solceller valts utifrån det offertförslag som legat till grund för arbetet. För att kunna dimensionera anläggningen har placering, orientering och solvinklar undersökts. Genom att välja en anläggning har investeringskalkyler och simuleringar kunnat utföras för ett par olika scenarier. Samtliga scenarier bygger på nätanslutna system men skiljer sig mellan dagens regelverk och ett framtida scenario med nettodebitering, dvs. kvittning av egenproducerad el och köpt el.</p><p>Från JM:s sida har det funnits önskemål om att studera hur ett bostadsområde skulle kunna dela på en solcellsanläggning genom ett samfällt system. Den samfällda anläggningen har dimensionerats utifrån fullgott solläge. I aktuellt område innebar det att 16 av 35 hus är lämpligt placerade mot solen, detta kan dock skilja mellan olika områden.</p><p>Resultatet visar att en investering i solel är svår att försvara idag. Med ett statligt stöd på 60 % är återbetalningstiden likväl 20 år. Med ett förändrat regelverk och ett långsiktigt stöd skulle det kunna bli ekonomiskt lönsamt. Genom att solcellstekniken blir billigare och elpriset stiger förbättras läget för solelen. Investeringskostnaden blir lägre per person och öppnar därmed upp för fler investerare.</p>

Sverige ska år 2020 ha en energiförsörjning bestående av 50 % förnybara energikällor. Den viktigaste källan till förnybar energi är solen. Solel är dock en dyr investering idag och gällande regelverk försvårar möjligheterna till att tillgodoräkna sig egenproducerad el. Byggföretaget JM bygger redan hus med låg energianvändning. Ett sätt att bidra till ett förnybart energianvändande är att installera system som producerar egen el till husen. Detta arbete har genomförts för att undersöka om solel kan komma att bli en konkurrenskraftig produkt att erbjuda JM:s husköpare. I arbetet har ett specifikt område och en av företagets typhusmodeller studerats. Dagens solcellsteknik har studerats och ett system för huset har komponerats. Det finns ett flertal typer av solceller men i detta arbete har polykristallina solceller valts utifrån det offertförslag som legat till grund för arbetet. För att kunna dimensionera anläggningen har placering, orientering och solvinklar undersökts. Genom att välja en anläggning har investeringskalkyler och simuleringar kunnat utföras för ett par olika scenarier. Samtliga scenarier bygger på nätanslutna system men skiljer sig mellan dagens regelverk och ett framtida scenario med nettodebitering, dvs. kvittning av egenproducerad el och köpt el. Från JM:s sida har det funnits önskemål om att studera hur ett bostadsområde skulle kunna dela på en solcellsanläggning genom ett samfällt system. Den samfällda anläggningen har dimensionerats utifrån fullgott solläge. I aktuellt område innebar det att 16 av 35 hus är lämpligt placerade mot solen, detta kan dock skilja mellan olika områden. Resultatet visar att en investering i solel är svår att försvara idag. Med ett statligt stöd på 60 % är återbetalningstiden likväl 20 år. Med ett förändrat regelverk och ett långsiktigt stöd skulle det kunna bli ekonomiskt lönsamt. Genom att solcellstekniken blir billigare och elpriset stiger förbättras läget för solelen. Investeringskostnaden blir lägre per person och öppnar därmed upp för fler investerare.

This master thesis "Payment cards in the Czech republic" deals with payment cards, which are currently the most widely used payment instrument. Theoretical part is focused on the formation and development of the first ancestors of payment cards, various kinds of payment cards, there is historical development, basic characteristic, division, possibilities of their current use and future of payment cards. Also there are introduced different types of the payment cards according to different criteria, according to their mode of operation and safety. In the first part practical part of the work is an analysis of the current situation and developments in the payment cards market in the Czech Republic. Subsequently, there is analysis of the payment cards, current accounts and related services at selected bank in the Czech republic mBank S.A., Fio banka a.s., Equabank a.s., Zuno bank a.s. and Air bank a.s. When the objective of the thesis is to find out whether these banks target the same segments of clients. There is a comparation of payment card payment from the perspective of the monthly cost of using payment card from four basic segments of one bank, while there is a comparison of services related to payment card and in the end for every client is chosen the best alternative of payment card and the current account from the perspective of the average monthly cost.

This doctoral thesis represents an investigation into financial fraud in online banking and card payment systems in the UK and China, involving network security, online financial transactions, internet fraud, card payment systems and individuals' perception of and behaviours towards electronic environments. In contrast to previous studies, the research questions were tackled by survey questionnaires both in the UK and China, with a particular interest in fraud and attempted fraud. The main findings from the UK respondents were that those with higher IT skill and younger respondents are more likely to be defrauded on the internet. Certain types of online activities are associated with higher risks of fraud, these being internet banking; online shopping and media downloading. Furthermore, four predictors (internet banking, online education services, downloading media and length of debit card usage) provided significant effects in the logistic regression model to explain fraud occurrence in the UK. Based on the data collected in China, younger respondents were more likely to have higher general IT skill and higher educational qualifications. However, online shopping was the only online activity which was significantly correlated to fraud occurrence. Finally, two predictors (frequency of usage of online shopping and number of debit cards) were selected in the logistic regression model to explain fraud occurrence in China.

In this work we are introducing a risk neutral valuation formula for counterparty default risk adjustments in an unilateral and in a bilateral case. In the unilateral case the adjustment is represented by a Credit Valuation Adjust- ment(CVA) and in the bilateral case the adjustment is quantified by a Bilateral Risk Adjustment(BVA). We are incorporating these adjustments into the values of zero coupon bonds, coupon bearing bonds and interest rate swaps. For such an incorporation, risk neutral default probabilities extracted from the market quotes of Credit Default Swaps are needed. A Bootstrap method is used to derive them and a reduced form approach is used to model the default times. In the practical part, we are calculating Greek and Czech risk neutral default probabilities during the years 2008-2010. We are calculating CVA for 18 quoted Greek government bonds and we are comparing the adjusted prices with the market quoted prices of these bonds. We study the impact of a risk free interest rate curve choice on such a valuation. In the last sections, we construct an interest rate swap between the Czech and the Greece. We compute and study CVA and BVA for this interest rate swap.

Hevea brasiliensis est cultivé pour le caoutchouc naturel contenu dans le latex. Une exploitation intensive combinée aux stress environnementaux affectent la production de latex. L'encoche sèche ou Tapping Panel Dryness (TPD) est déclenché par un désordre physiologique complexe au sein des laticifères. Il est responsable d'une perte annuelle de production de 10 à 40% en fonction de l'âge de la plantation et des clones d'hévéa utilisés Le stress oxydatif, point de départ de la maladie, affecte l'écoulement, par la coagulation in situ des particules du caoutchouc. Chez les plantes, la réponse adaptative aux stress abiotiques dépend de la finesse de la régulation de l'expression des gènes. Ce contrôle se fait au niveau transcriptionnel mais également au niveau post-transcriptionnel. Les micro-ARNs jouent un rôle crucial en menant les ARN messagers cibles à la dégradation ou au blocage de leur traduction L'objectif de cette thèse est de comprendre et d'identifier la régulation du stress oxydatif en étudiant l'implication des micro-ARNs en réponse aux stress abiotiques et suite à l'apparition du TPD chez l'hévéa. L'isolement et le séquençage à haut débit de petits-ARNs ont permis l'identification de micro-ARNs d'hévéa. Dans un premier temps, une banque de petits ARNs a été effectuée à partir de vitroplants soumis ou non à des stress abiotiques, à laquelle s'est ajoutée dans un second temps deux banques fabriquées à partir de latex d'arbres en exploitation atteints ou non par le TPD. L'analyse de la population de petits ARNs montre une diminution de la taille des séquences en réponse à la maladie, la majorité des séquences de petits ARNs de latex étant de 21 nucléotides chez les arbres malades et 24 nucléotides chez les arbres sains. En combinant le pipeline LeARN et les données transcriptomiques, soixante huit familles de micro-ARNs conservés entre les espèces et quinze nouvelles familles de micro-ARNs ont été identifiées chez l'hévéa. Les gènes codant pour la voie de biogenèse des micro-ARNs sont présents dans le latex, suggérant leur production dans ce compartiment cellulaire particulier. L'identification des séquences de trente précurseurs de micro-ARNs ont permis d'étudier l'expression des gènes MIR en réponse aux stress abiotiques et en réponse au TPD. Les gènes MIR étudiés sont différentiellement exprimés chez des hévéas immatures en réponse au stress abiotiques et aux traitements par l'éthylène et le méthyl-jasmonate. L'abondance relative de transcrits des gènes MIR est fortement réduite par le TPD dès 5% de longueur d'encoche sèche à l'exception d'un gène.Les cibles potentielles des 83 familles de micro-ARNs ont été prédites. Ces micro-ARNs sont impliqués dans les voies de détoxication des espèces activées de l'oxygène, dans les voies de biosynthèse du caoutchouc naturel, dans les voies de biosynthèse et de signalisation de l'éthylène et du jasmonate. Trois cibles ont été validées expérimentalement dont la CuZnSOD chloroplastique, enzyme importante du système antioxydant. / Hevea brasiliensis is cultivated for natural rubber produced in latex cells. Intensive harvesting systems combined with environmental cues affect latex production. The Tapping Panel Dryness (TPD), a complex physiological disorder, causes a loss of production of 10-40%. Oxidative stress, starting point of the disease, affect latex flow because of in situ coagulation of rubber particles. In plants, the adaptation to abiotic stress relies on the fine tuning of the gene expression at the transcriptional and post-transcriptional levels. MicroRNAs play a crucial roles leading to mRNAs degradation or repression of their translation.The aim of this thesis is to understand and identify the regulation of the oxidative stress by studying the involvement of microRNAs in the regulation of abiotic stress and TPD occurrence in Hevea. Isolation and high-throughput sequencing of small RNAs allowed identifying Hevea microRNAs. Firstly, a small RNA library was constructed from in vitro plantlets subjected or not to abiotic stress, and secondly, two others small RNA libraries were constructed with latex from healthy and TPD-affected trees. Analyses of the small RNA population showed a decrease in the size of the reads in response to TPD, the majority of the small RNAs from latex being 21 nucleotides in TPD-affected trees and 24 nucleotides in healthy trees. Combining the LeARN pipeline and transcriptomic data, sixty eight microRNAs families conserved between plant species and fifteen new families were identified in Hevea. Genes involved in microRNA biogenesis are present in latex suggesting their production in this particular cellular compartment. Identification of thirty precursors of microRNAs allowed the expression analyses of the corresponding MIR genes in response to abiotic stress and upon TPD occurrence. MIR genes are differentially expressed in young plants in response to abiotic stress and in response to ethylene and methyl jasmonate treatments. Moreover, relative transcript abundance of MIR genes is strongly repressed upon TPD occurrence a soon as 5% of dry cut length except for one MIR gene.Putative targets were predicted for the 83 families. MicroRNAs are involved in ROS detoxification, natural rubber biosynthesis, ethylene and jasmonate biosynthesis and signalling pathways. Three targets were experimentally validated including the chloroplastic isoform of CuZnSOD, which is an important enzyme of the ROS-scavenging system.

This thesis deals with the analysis of payment instruments, Single European Payments Area and the development and implementation in the Slovakia and Slovenia. The work defines the meaning and objectives of SEPA. This thesis describes the historical development, legal framework and an overview of the participating sectors in SEPA project. The following are the essential characteristics of basic types of SEPA payment instruments, infrastructures and standardization of SEPA. There is outlined a brief history and organizational structure of the SEPA project in the both the countries, further work is devoted to the characteristics and analysis of individual payment instruments SEPA implementation phase.

Submitted by Filipe dos Santos (fsantos@pucsp.br) on 2017-12-08T11:27:01Z No. of bitstreams: 1 Adriana Diniz Gurgel.pdf: 1200352 bytes, checksum: dca2093dabbe51466940e0478de2154a (MD5) / Made available in DSpace on 2017-12-08T11:27:01Z (GMT). No. of bitstreams: 1 Adriana Diniz Gurgel.pdf: 1200352 bytes, checksum: dca2093dabbe51466940e0478de2154a (MD5) Previous issue date: 2017-10-25 / Coordenação de Aperfeiçoamento de Pessoal de Nível Superior - CAPES / The main purpose of the financial statements is to provide information on the company's financial and equity situation in a given period, supporting managers, shareholders and advisors to make decisions that guarantee the company's valuation and its perpetuity. However, new analysis and methodologies have been emerging, especially with the advent of standard statements based on the International Accounting Standard (IAS), providing reliability and quality for researching. This study aims to analyze how companies listed on the B3 financed the working capital and identify the impacts generated on company´s profitability and gains between 2010 and 2016. The dynamic model also known as the Fleuriet’s Model, proposes a different view of analysis of these statements, mainly by using a new type of accounting groups for working capital. This model improved the quality of analysis regarding the financing of working capital, the liquidity situation of companies and the possibility to identify financial risks. The research also identified the scissors effect, which is a characteristic situation of companies facing financial risks. Through statistic and econometric models, it was identified the interference of working capital in the profitability and gains of these companies. The sectorial analysis demonstrated how companies reacted differently regarding the investment in working capital within the period / O objetivo principal dos demonstrativos financeiros é fornecer informações sobre a situação patrimonial e financeira da empresa num determinado período, permitindo que gestores, acionistas e conselheiros tomem decisões que garantam a valorização da empresa e sua perpetuidade. Novas metodologias de análise vêm surgindo ao longo do tempo, principalmente com o advento da padronização desses demonstrativos com base no IAS – International Accounting Standard, proporcionando também maior confiabilidade aos trabalhos de pesquisa. Este estudo visa analisar o comportamento de empresas brasileiras listadas na Bolsa de Valores de São Paulo (B3) quanto à forma de financiamento do capital de giro e os impactos gerados na lucratividade e rentabilidade dessas empresas no período compreendido entre 2010 e 2016. Optou-se por utilizar o modelo dinâmico, também conhecido como modelo Fleuriet, o qual propõe uma visão diferenciada de análise desses demonstrativos, principalmente por utilizar uma nova forma de agrupamento das contas circulantes que permitem maior visibilidade quanto à origem do financiamento do capital de giro, à liquidez das empresas e à identificação de eminentes riscos financeiros. Identificou-se o efeito tesoura, característico em empresas em situação de risco financeiro e por meio de cálculos estatísticos e econométricos, constatou-se a interferência do capital de giro na lucratividade e rentabilidade das empresas. Com a utilização da análise setorial foi verificado como as empresas administram os recursos circulantes de forma diferenciada

L'étude de l'ionisation de molécules biologiques, bases de l'ADN et de l'ARN, par impact de protons (20-150 keV/uma) a été l'enjeu de ce travail. Les expériences développées ont permis d'étudier la fragmentation de l'uracile, la thymine, l'adénine et la cytosine sous impact de protons, et de développer une méthode de mesure de section efficace absolue des processus d'ionisation mis en jeu au cours de l'interaction proton-molécule cible.<br />Le dispositif expérimental développé a permis de séparer les contributions des deux processus d'ionisation de la molécule cible : l'ionisation directe et l'ionisation par capture électronique. Les spectres de masse correspondants, analysés événement par événement, ont été mesurés. Pour l'uracile, les rapports de branchement de ces deux processus ont été mesurés en fonction de la vitesse du projectile.<br />Nous avons développé la mesure de sections efficaces absolues pour le processus de capture électronique. Le taux de production d'atomes neutres par rapport au nombre de protons incidents a été mesuré pour les quatre molécules étudiées : uracile, cytosine, thymine et adénine, et ceci, pour différentes températures d'évaporation. Ce taux varie avec l'épaisseur de cible traversée par le faisceau de protons. Un dispositif de dépôt a été développé pour caractériser la densité moléculaire du jet gazeux des bases étudiées. L'étude théorique et expérimentale du débit total d'effusion et du profil du jet gazeux a permis de déduire l'épaisseur de cible traversée par le faisceau de protons. Ainsi, la section efficace absolue d'ionisation des quatre molécules biologiques isolées sous impact de protons d'énergie de 80 keV/uma a été déterminée.

This is a study of how expository information is presented in the metatext (title, subtitle, prefaces, dedications, the dramatis personae, announcements of act and scene, stage directions etc.) and the dialogue in seven one-act plays by August Strindberg: The Stronger (1889), Pariah (1889), Simoom (1889), Debit and Credit (1892), The First Warning (1892), Facing Death (1892), and Motherly Love (1892). Exposition in this study is defined as a semiotic temporal-structural element that: (1) is not restricted to any specific part of the drama; (2) is present in both the metatext and the dialogue; (3) transfers information about the prescenic time/action (time/action preceding the scenic time/action), interscenic time/action (scenic and non-scenic time/action between scenes), simultaneous scenic time/action (non-scenic time/action that takes place simultaneously with the scenic time/action, and postscenic time/action (time/action that follows the scenic time/action). The study shows that the expository information is presented gradually in the dramas, in both metatext and dialogue, and in all the four categories of time/action presented above. One important result is that the seven one-act plays, despite their naturalistic qualities, also contain components pointing towards Strindberg’s more expressionistic drama. It is possible to talk about a naturalistic or an expressionistic period in Strindberg’s authorship. It is, however, impossible to regard Strindberg as a naturalist or an expressionist in a stricter sense. Strindberg’s drama is too complex and rich to be placed in a certain theoretic doctrine. It is clear from the dissertation that the study of expository information is useful in dramaturgic analyses, and generates various discussions about for example themes, motives, and metaphors. A complete analysis of the exposition, therefore, must also consider elements such as language and imagery.