Search results for: Filter Banks and Thresholding.
Commenced in January 2007
Frequency: Monthly
Edition: International
Paper Count: 831

Search results for: Filter Banks and Thresholding.

801 Application of Hardware Efficient CIC Compensation Filter in Narrow Band Filtering

Authors: Vishal Awasthi, Krishna Raj

Abstract:

In many communication and signal processing systems, it is highly desirable to implement an efficient narrow-band filter that decimate or interpolate the incoming signals. This paper presents hardware efficient compensated CIC filter over a narrow band frequency that increases the speed of down sampling by using multiplierless decimation filters with polyphase FIR filter structure. The proposed work analyzed the performance of compensated CIC filter on the bases of the improvement of frequency response with reduced hardware complexity in terms of no. of adders and multipliers and produces the filtered results without any alterations. CIC compensator filter demonstrated that by using compensation with CIC filter improve the frequency response in passed of interest 26.57% with the reduction in hardware complexity 12.25% multiplications per input sample (MPIS) and 23.4% additions per input sample (APIS) w.r.t. FIR filter respectively.

Keywords: Multirate filtering, Narrow-band Signaling, Compensation Theory, CIC filter, Decimation, Compensation filter.

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800 Despeckling of Synthetic Aperture Radar Images Using Inner Product Spaces in Undecimated Wavelet Domain

Authors: Syed Musharaf Ali, Muhammad Younus Javed, Naveed Sarfraz Khattak, Athar Mohsin, UmarFarooq

Abstract:

This paper introduces the effective speckle reduction of synthetic aperture radar (SAR) images using inner product spaces in undecimated wavelet domain. There are two major areas in projection onto span algorithm where improvement can be made. First is the use of undecimated wavelet transformation instead of discrete wavelet transformation. And second area is the use of smoothing filter namely directional smoothing filter which is an additional step. Proposed method does not need any noise estimation and thresholding technique. More over proposed method gives good results on both single polarimetric and fully polarimetric SAR images.

Keywords: Directional Smoothing, Inner product, Length ofvector, Undecimated wavelet transformation.

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799 Operation Parameters of Vacuum Cleaned Filters

Authors: Wilhelm Hoeflinger, Thomas Laminger, Johannes Wolfslehner

Abstract:

For vacuum cleaned dust filters there exist no calculation methods to determine design parameters (e.g. traverse velocity of the nozzle, filter area…). In this work a method to calculate the optimum traverse velocity of the nozzle of an industrial-size flat dust filter at a given mean pressure drop and filter face velocity was elaborated. Well-known equations for the design of a cleanable multi-chamber bag-house-filter were modified in order to take into account a continuously regeneration of a dust filter by a nozzle. Thereby, the specific filter medium resistance and the specific cake resistance values are needed which can be derived from filter tests under constant operation conditions.

A lab-scale filter test rig was used to derive the specific filter media resistance value and the specific cake resistance value for vacuum cleaned filter operation. Three different filter media were tested and the determined parameters were compared to each other.

Keywords: Design of dust filter, Dust removing, Filter regeneration, Operation parameters.

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798 A Low-Voltage Tunable Channel Selection Filter for WiMAX Applications

Authors: Kayvan Ahmadi, Hossein Shamsi

Abstract:

This paper proposes a low-voltage and low-power fully integrated digitally tuned continuous-time channel selection filter for WiMAX applications. A 5th-order elliptic low-pass filter is realized in a Gm-C topology. The bandwidth of the fully differential filter is reconfigurable from 2.5MHz to 20MHz (8x) for different requirements in WiMAX applications. The filter is simulated in a standard 90nm CMOS process. Simulation results show the THD (@Vout =100mVpp) is less than -66dB. The in-band ripple of the filter is about 0.15dB. The filter consumes 1.5mW from a supply voltage of 0.9V.

Keywords: Common-mode feedback, continuous-time, fully differential transconductor, Gm-C topology, low-voltage

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797 Duration Analysis of New Firms in the Banking Industry

Authors: Jesus Orbe, Vicente Nunez-Anton

Abstract:

This paper studies the duration or survival time of commercial banks active in the Moscovian three month Rouble deposits market, during the 1994-1997 period. The privatization process of the Russian commercial banking industry, after the 1988 banking reform, caused a massive entry of new banks followed by a period of high rates of exit. As a consequence, many firms went bankrupt without refunding their deposits. Therefore, both for the banks and for the banks- depositors, it is of interest to analyze which are the significant characteristics that motivate the exit or the closing of the bank. We propose a different methodology based on penalized weighted least squares which represents a very general, flexible and innovative approach for this type of analysis. The more relevant results are that smaller banks exit sooner, banks that enter the market in the last part of the study have shorter durations. As expected, the more experienced banks have a longer duration in the market. In addition, the mean survival time is lower for banks which offer extreme interest rates.

Keywords: Banking, censored, duration, Kaplan-Meier.

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796 Multi-stage Directional Median Filter

Authors: Zong Chen, Li Zhang

Abstract:

Median filter is widely used to remove impulse noise without blurring sharp edges. However, when noise level increased, or with thin edges, median filter may work poorly. This paper proposes a new filter, which will detect edges along four possible directions, and then replace noise corrupted pixel with estimated noise-free edge median value. Simulations show that the proposed multi-stage directional median filter can provide excellent performance of suppressing impulse noise in all situations.

Keywords: Impulse noise, Median filter, Multi-stage, Edgepreserving

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795 A New Current-mode Multifunction Filter with High Impedance Outputs Using Minimum Number of Passive Elements

Authors: Mehmet Sagbas, Kemal Fidanboylu, Mehmet C. Bayram

Abstract:

A new current-mode multifunction filter using minimum number of passive elements is proposed. The proposed filter has single-input and four high-impedance outputs. It uses four passive elements (two capacitors and two resistors) and four dual output second generation current conveyors. Each output provides a different filter response, namely, low-pass, high-pass, band-pass and band-reject. The sensitivity analysis is also carried out on both ideal and non-ideal filter configurations. The validity of the proposed filter is verified through PSPICE simulations.

Keywords: Active filter, Universal filter, Currentconveyors.

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794 Fragile Watermarking for Color Images Using Thresholding Technique

Authors: Kuo-Cheng Liu

Abstract:

In this paper, we propose ablock-wise watermarking scheme for color image authentication to resist malicious tampering of digital media. The thresholding technique is incorporated into the scheme such that the tampered region of the color image can be recovered with high quality while the proofing result is obtained. The watermark for each block consists of its dual authentication data and the corresponding feature information. The feature information for recovery iscomputed bythe thresholding technique. In the proofing process, we propose a dual-option parity check method to proof the validity of image blocks. In the recovery process, the feature information of each block embedded into the color image is rebuilt for high quality recovery. The simulation results show that the proposed watermarking scheme can effectively proof the tempered region with high detection rate and can recover the tempered region with high quality.

Keywords: thresholding technique, tamper proofing, tamper recovery

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793 Efficiency of the Slovak Commercial Banks Applying the DEA Window Analysis

Authors: Iveta Řepková

Abstract:

The aim of this paper is to estimate the efficiency of the Slovak commercial banks employing the Data Envelopment Analysis (DEA) window analysis approach during the period 2003-2012. The research is based on unbalanced panel data of the Slovak commercial banks. Undesirable output was included into analysis of banking efficiency. It was found that most efficient banks were Postovabanka, UniCredit Bank and Istrobanka in CCR model and the most efficient banks were Slovenskasporitelna, Istrobanka and UniCredit Bank in BCC model. On contrary, the lowest efficient banks were found Privatbanka and CitiBank. We found that the largest banks in the Slovak banking market were lower efficient than medium-size and small banks. Results of the paper is that during the period 2003-2008 the average efficiency was increasing and then during the period 2010-2011 the average efficiency decreased as a result of financial crisis.

Keywords: Data Envelopment Analysis, efficiency, Slovak banking sector, window analysis.

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792 Application of Hermite-Rodriguez Functions to Pulse Shaping Analog Filter Design

Authors: Mohd Amaluddin Yusoff

Abstract:

In this paper, we consider the design of pulse shaping filter using orthogonal Hermite-Rodriguez basis functions. The pulse shaping filter design problem has been formulated and solved as a quadratic programming problem with linear inequality constraints. Compared with the existing approaches reported in the literature, the use of Hermite-Rodriguez functions offers an effective alternative to solve the constrained filter synthesis problem. This is demonstrated through a numerical example which is concerned with the design of an equalization filter for a digital transmission channel.

Keywords: channel equalization filter, Hermite-Rodriguez, pulseshaping filter, quadratic programming.

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791 UD Covariance Factorization for Unscented Kalman Filter using Sequential Measurements Update

Authors: H. Ghanbarpour Asl, S. H. Pourtakdoust

Abstract:

Extended Kalman Filter (EKF) is probably the most widely used estimation algorithm for nonlinear systems. However, not only it has difficulties arising from linearization but also many times it becomes numerically unstable because of computer round off errors that occur in the process of its implementation. To overcome linearization limitations, the unscented transformation (UT) was developed as a method to propagate mean and covariance information through nonlinear transformations. Kalman filter that uses UT for calculation of the first two statistical moments is called Unscented Kalman Filter (UKF). Square-root form of UKF (SRUKF) developed by Rudolph van der Merwe and Eric Wan to achieve numerical stability and guarantee positive semi-definiteness of the Kalman filter covariances. This paper develops another implementation of SR-UKF for sequential update measurement equation, and also derives a new UD covariance factorization filter for the implementation of UKF. This filter is equivalent to UKF but is computationally more efficient.

Keywords: Unscented Kalman filter, Square-root unscentedKalman filter, UD covariance factorization, Target tracking.

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790 Tunable Photonic Microwave Bandpass Filter Based on EOPM and VPBS

Authors: R. Heydari, M. R. Salehi

Abstract:

A tunable photonic microwave bandpass filter with negative coefficient based on an electro-optic phase modulator (EOPM) and a variable polarization beamsplitter (VPBS) is demonstrated. A two-tap microwave bandpass filter with one negative coefficient is presented. The chromatic dispersion and optical coherence are not affected on this filter.

Keywords: Bandpass filter, EOPM, photonic microwave filter, polarization beamsplitter.

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789 Restoration of Noisy Document Images with an Efficient Bi-Level Adaptive Thresholding

Authors: Abhijit Mitra

Abstract:

An effective approach for extracting document images from a noisy background is introduced. The entire scheme is divided into three sub- stechniques – the initial preprocessing operations for noise cluster tightening, introduction of a new thresholding method by maximizing the ratio of stan- dard deviations of the combined effect on the image to the sum of weighted classes and finally the image restoration phase by image binarization utiliz- ing the proposed optimum threshold level. The proposed method is found to be efficient compared to the existing schemes in terms of computational complexity as well as speed with better noise rejection.

Keywords: Document image extraction, Preprocessing, Ratio of stan-dard deviations, Bi-level adaptive thresholding.

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788 A new Configurable Decimation Filter using Pascal-s Triangle Theorem

Authors: A. Chahardah Cherik, E. Farshidi

Abstract:

This paper presents a new configurable decimation filter for sigma-delta modulators. The filter employs the Pascal-s triangle-s theorem for building the coefficients of non-recursive decimation filters. The filter can be connected to the back-end of various modulators with different output accuracy. In this work two methods are shown and then compared from area occupation viewpoint. First method uses the memory and the second one employs Pascal-s triangle-s method, aiming to reduce required gates. XILINX ISE v10 is used for implementation and confirmation the filter.

Keywords: Decimation filter, sigma delta, Pascal's triangle'stheorem, memory

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787 Spectral Entropy Employment in Speech Enhancement based on Wavelet Packet

Authors: Talbi Mourad, Salhi Lotfi, Chérif Adnen

Abstract:

In this work, we are interested in developing a speech denoising tool by using a discrete wavelet packet transform (DWPT). This speech denoising tool will be employed for applications of recognition, coding and synthesis. For noise reduction, instead of applying the classical thresholding technique, some wavelet packet nodes are set to zero and the others are thresholded. To estimate the non stationary noise level, we employ the spectral entropy. A comparison of our proposed technique to classical denoising methods based on thresholding and spectral subtraction is made in order to evaluate our approach. The experimental implementation uses speech signals corrupted by two sorts of noise, white and Volvo noises. The obtained results from listening tests show that our proposed technique is better than spectral subtraction. The obtained results from SNR computation show the superiority of our technique when compared to the classical thresholding method using the modified hard thresholding function based on u-law algorithm.

Keywords: Enhancement, spectral subtraction, SNR, discrete wavelet packet transform, spectral entropy Histogram

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786 Adaptive Notch Filter for Harmonic Current Mitigation

Authors: T. Messikh, S. Mekhilef, N. A. Rahim

Abstract:

This paper presents an effective technique for harmonic current mitigation using an adaptive notch filter (ANF) to estimate current harmonics. The proposed filter consists of multiple units of ANF connected in parallel structure; each unit is governed by two ordinary differential equations. The frequency estimation is carried out based on the output of these units. The simulation and experimental results show the ability of the proposed tracking scheme to accurately estimate harmonics. The proposed filter was implemented digitally in TMS320F2808 and used in the control of hybrid active power filter (HAPF). The theoretical expectations are verified and demonstrated experimentally.

Keywords: Adaptive notch filter, Active power filter, harmonic filtering, Time varying frequency.

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785 An Empirical Analysis and Comparative Study of Liquidity Ratios and Asset-Liability Management of Banks Operating in India

Authors: Amit Kumar Meena, Joydip Dhar

Abstract:

This paper is focused on the analysis and comparison of liquidity ratios and asset liability management practices in top three banks from public, private and foreign sector in India. The analysis is based upon the liquidity ratios calculation and the determination of maturity gap profiles for the banks under study. The paper also compares these banks maturity gap profiles with their corresponding group’s maturity gap profiles. This paper identifies the interest rate sensitivity of the balance sheet items of these banks to determine the gap between rate sensitive assets and rate sensitive liabilities. The results of this study suggest that overall banks in India have very good short term liquidity position and all banks are financing their short term liabilities by their long term assets.

Keywords: ALM, Liquidity ratios, Rate sensitive Assets, Rate Sensitive Liabilities.

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784 Thermal Properties of Chitosan-Filled Empty Fruit Bunches Filter Media

Authors: Aziatul Niza Sadikin, Norasikin Othman, Mohd Ghazali Mohd Nawawi, Umi Aisah Asli, Roshafima Rasit Ali, Rafiziana Md Kasmani

Abstract:

Non-woven fibrous filter media from empty fruit bunches were fabricated by using chitosan as a binder. Chitosan powder was dissolved in a 1 wt% aqueous acetic acid, and 1 wt% to 4 wt% of chitosan solutions was prepared. Chitosan-filled empty fruit bunches filter media have been prepared via wet-layup method. Thermogravimetric analysis (TGA) was performed to study various thermal properties of the fibrous filter media. It was found that the fibrous filter media have undergone several decomposition stages over a range of temperatures as revealed by TGA thermo-grams, where the temperature for 10% weight loss for chitosan-filled EFB filter media and binder-less filter media was at 150oC and 300oC, respectively.

Keywords: Empty fruit bunches, chitosan, filter media, thermal property.

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783 Profit Efficiency and Competitiveness of Commercial Banks in Malaysia

Authors: Rosita Suhaimi, Firdaus Abdullah, Chong Fen Nee, Nurhani Aba Ibrahim

Abstract:

This paper attempts to identify the significance of Information and Communications Technology (ICT) and competitiveness to the profit efficiency of commercial banks in Malaysia. The profit efficiency of commercial banks in Malaysia, the dependent variable, was estimated using the Stochastic Frontier Approach (SFA) on a sample of unbalanced panel data, covering 23 commercial banks, between 1995 to 2007. Based on the empirical results, ICT was not found to exert a significant impact on profit efficiency, whereas competitiveness, non ICT stock expenditure and ownership were significant contributors. On the other hand, the size of banks was found to have significantly reduced profit efficiency, opening up for various interpretations of the interrelated role of ICT and competition.

Keywords: Competitiveness, Profit Efficiency, Stochastic Frontier Analysis

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782 Frequency Transformation with Pascal Matrix Equations

Authors: Phuoc Si Nguyen

Abstract:

Frequency transformation with Pascal matrix equations is a method for transforming an electronic filter (analogue or digital) into another filter. The technique is based on frequency transformation in the s-domain, bilinear z-transform with pre-warping frequency, inverse bilinear transformation and a very useful application of the Pascal’s triangle that simplifies computing and enables calculation by hand when transforming from one filter to another. This paper will introduce two methods to transform a filter into a digital filter: frequency transformation from the s-domain into the z-domain; and frequency transformation in the z-domain. Further, two Pascal matrix equations are derived: an analogue to digital filter Pascal matrix equation and a digital to digital filter Pascal matrix equation. These are used to design a desired digital filter from a given filter.

Keywords: Frequency transformation, Bilinear z-transformation, Pre-warping frequency, Digital filters, Analog filters, Pascal’s triangle.

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781 Scintigraphic Image Coding of Region of Interest Based On SPIHT Algorithm Using Global Thresholding and Huffman Coding

Authors: A. Seddiki, M. Djebbouri, D. Guerchi

Abstract:

Medical imaging produces human body pictures in digital form. Since these imaging techniques produce prohibitive amounts of data, compression is necessary for storage and communication purposes. Many current compression schemes provide a very high compression rate but with considerable loss of quality. On the other hand, in some areas in medicine, it may be sufficient to maintain high image quality only in region of interest (ROI). This paper discusses a contribution to the lossless compression in the region of interest of Scintigraphic images based on SPIHT algorithm and global transform thresholding using Huffman coding.

Keywords: Global Thresholding Transform, Huffman Coding, Region of Interest, SPIHT Coding, Scintigraphic images.

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780 Deficiency Risk in Islamic and Conventional Banks

Authors: Korbi Fakhri

Abstract:

In this article, we have elaborated a study over the nature of financial intermediation in Islamic banks by comparison to those of conventional ones. We have found a striking difference between two kinds of intermediation. We tried, from another side, to study the relationship between the capital level and deficiency risk relying on econometric model, and we have obtained a positive and significant relation between the capital and the deficiency risk for the conventional banks. This means that when the capital of these banks increases, the deficiency risk increases as well. In return, since the Islamic banks are constrained to respect the Sharia Committee as well as customers’ demands that may, in certain contracts, choose to invest their capitals in projects they are interested in. These constraints have as effects to reduce the deficiency risk even when the capital increases.

Keywords: Conventional bank, deficiency risk, financial intermediation, Islamic bank.

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779 Net Interest Margin of Cooperative Banks in Low Interest Rate Environment

Authors: Karolína Vozková, Matěj Kuc

Abstract:

This paper deals with the impact of decrease in interest rates on the performance of commercial and cooperative banks in the Eurozone measured by net interest margin. The analysis was performed on balanced dataset of 268 commercial and 726 cooperative banks spanning the 2008-2015 period. We employed Fixed Effects estimation panel method. As expected, we found a negative relationship between market rates and net interest margin. Our results suggest that the impact of negative interest income differs across individual banking business models. More precisely, those cooperative banks were much more hit by the decrease of market interest rates which might be due to their ownership structure and more restrictive business regulation.

Keywords: Cooperative banks, performance, negative interest rates, risk management.

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778 Combating Money Laundering in the Banking Industry: Malaysian Experience

Authors: Aspalella A. Rahman

Abstract:

Money laundering has been described by many as the lifeblood of crime and is a major threat to the economic and social well-being of societies. It has been recognized that the banking system has long been the central element of money laundering. This is in part due to the complexity and confidentiality of the banking system itself. It is generally accepted that effective anti-money laundering (AML) measures adopted by banks will make it tougher for criminals to get their "dirty money" into the financial system. In fact, for law enforcement agencies, banks are considered to be an important source of valuable information for the detection of money laundering. However, from the banks- perspective, the main reason for their existence is to make as much profits as possible. Hence their cultural and commercial interests are totally distinct from that of the law enforcement authorities. Undoubtedly, AML laws create a major dilemma for banks as they produce a significant shift in the way banks interact with their customers. Furthermore, the implementation of the laws not only creates significant compliance problems for banks, but also has the potential to adversely affect the operations of banks. As such, it is legitimate to ask whether these laws are effective in preventing money launderers from using banks, or whether they simply put an unreasonable burden on banks and their customers. This paper attempts to address these issues and analyze them against the background of the Malaysian AML laws. It must be said that effective coordination between AML regulator and the banking industry is vital to minimize problems faced by the banks and thereby to ensure effective implementation of the laws in combating money laundering.

Keywords: Banking Industry, Bank Negara Money, Laundering, Malaysia.

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777 Supremacy of Differential Evolution Algorithm in Designing Multiplier-Less Low-Pass FIR Filter

Authors: Abhijit Chandra, Sudipta Chattopadhyay

Abstract:

In this communication, we have made an attempt to design multiplier-less low-pass finite impulse response (FIR) filter with the aid of various mutation strategies of Differential Evolution (DE) algorithm. Impulse response coefficient of the designed FIR filter has been represented as sums or differences of powers of two. Performance of the proposed filter has been evaluated in terms of its frequency response and associated hardware cost. Supremacy of our approach has been substantiated by comparing our result with many of the existing multiplier-less filter design algorithms of recent interest. It has also been demonstrated that DE-optimized filter outperforms Genetic Algorithm (GA) based design by a large margin.  Hardware efficiency of our algorithm has further been validated by implementing those filters on a Field Programmable Gate Array (FPGA) chip.

Keywords: Convergence speed, Differential Evolution (DE), error histogram, finite impulse response (FIR) filter, total power of two (TPT), zero-valued filter coefficient (ZFC).

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776 Automatic Detection and Classification of Diabetic Retinopathy Using Retinal Fundus Images

Authors: A. Biran, P. Sobhe Bidari, A. Almazroe V. Lakshminarayanan, K. Raahemifar

Abstract:

Diabetic Retinopathy (DR) is a severe retinal disease which is caused by diabetes mellitus. It leads to blindness when it progress to proliferative level. Early indications of DR are the appearance of microaneurysms, hemorrhages and hard exudates. In this paper, an automatic algorithm for detection of DR has been proposed. The algorithm is based on combination of several image processing techniques including Circular Hough Transform (CHT), Contrast Limited Adaptive Histogram Equalization (CLAHE), Gabor filter and thresholding. Also, Support Vector Machine (SVM) Classifier is used to classify retinal images to normal or abnormal cases including non-proliferative or proliferative DR. The proposed method has been tested on images selected from Structured Analysis of the Retinal (STARE) database using MATLAB code. The method is perfectly able to detect DR. The sensitivity specificity and accuracy of this approach are 90%, 87.5%, and 91.4% respectively.

Keywords: Diabetic retinopathy, fundus images, STARE, Gabor filter, SVM.

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775 Improved Closed Set Text-Independent Speaker Identification by Combining MFCC with Evidence from Flipped Filter Banks

Authors: Sandipan Chakroborty, Anindya Roy, Goutam Saha

Abstract:

A state of the art Speaker Identification (SI) system requires a robust feature extraction unit followed by a speaker modeling scheme for generalized representation of these features. Over the years, Mel-Frequency Cepstral Coefficients (MFCC) modeled on the human auditory system has been used as a standard acoustic feature set for SI applications. However, due to the structure of its filter bank, it captures vocal tract characteristics more effectively in the lower frequency regions. This paper proposes a new set of features using a complementary filter bank structure which improves distinguishability of speaker specific cues present in the higher frequency zone. Unlike high level features that are difficult to extract, the proposed feature set involves little computational burden during the extraction process. When combined with MFCC via a parallel implementation of speaker models, the proposed feature set outperforms baseline MFCC significantly. This proposition is validated by experiments conducted on two different kinds of public databases namely YOHO (microphone speech) and POLYCOST (telephone speech) with Gaussian Mixture Models (GMM) as a Classifier for various model orders.

Keywords: Complementary Information, Filter Bank, GMM, IMFCC, MFCC, Speaker Identification, Speaker Recognition.

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774 SystemC Modeling of Adaptive Least Mean Square Filter

Authors: Kyu Han Kim, Soon Kyu Kwon, Heung Sun Yoon, Jong Tae Kim

Abstract:

In this paper, we demonstrate the adaptive least-mean-square (LMS) filter modeling using SystemC. SystemC is a modeling language that allows designer to model both hardware and software component and makes it possible to design from high level system of abstraction to low level system of abstraction. We produced five adaptive least-mean-square filter models that are classed as five abstraction levels using SystemC proceeding from the abstract model to the more concrete model.

Keywords: Adaptive Filter, Least-Mean-Square Algorithm, SystemC, Transversal Fir Filter.

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773 IMM based Kalman Filter for Channel Estimation in MB OFDM Systems

Authors: C.Ramesh, V.Vaidehi

Abstract:

Ultra-wide band (UWB) communication is one of the most promising technologies for high data rate wireless networks for short range applications. This paper proposes a blind channel estimation method namely IMM (Interactive Multiple Model) Based Kalman algorithm for UWB OFDM systems. IMM based Kalman filter is proposed to estimate frequency selective time varying channel. In the proposed method, two Kalman filters are concurrently estimate the channel parameters. The first Kalman filter namely Static Model Filter (SMF) gives accurate result when the user is static while the second Kalman filter namely the Dynamic Model Filter (DMF) gives accurate result when the receiver is in moving state. The static transition matrix in SMF is assumed as an Identity matrix where as in DMF, it is computed using Yule-Walker equations. The resultant filter estimate is computed as a weighted sum of individual filter estimates. The proposed method is compared with other existing channel estimation methods.

Keywords: Channel estimation, Kalman filter, UWB, Channel model, AR model

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772 SMEs Relationship Banking: Length, Loyalty, Trust. Do SMEs get Something in Return?

Authors: Daniel Badulescu

Abstract:

Under the difficult access to finance of SMEs, they expect that its relationship with the banks shall constitute a real help to access appropriate financing, at reasonable costs and requirements, given the possibility of mutually beneficial and long lasting relation. The literature, but also the research we have carried on, is centered on such determinants as concentration and the length of the relationship, but at the same time, there is little certainty that banks are responding positively to them. Furthermore, although the trust is considered as being a fundamental element of bank relationship – see the case house bank – SMEs find that the banks finance them looking rather on collaterals and covenants than to trust. Moreover, a positive behavior, such as prompt or advance repayments of loans, doesn-t generate any positive feedback from the banks side. All these show a deep un-satisfaction of the SMEs concerning their relationship banking.

Keywords: Banks' behavior, relationship banking, SMEs.

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