Strategy management of bad debts banking institutions

У статті розглянуто специфіку та механізм управління проблемною заборгованістю. Запропоновано основні напрями зменшення тиску проблемного портфеля на діяльність банківської установи. Внесено пропозиції щодо оптимізації роботи банків з проблемними боргами.The article deals with the specificity and mechanisms of bad debts. The basic directions to reduce the pressure on the troubled portfolio of banking institutions are presented in the work. A motion for optimization the banks with troubled debt is introduced in the paper

Anode-Coupled Readout for Light Collection in Liquid Argon TPCs

This paper will discuss a new method of signal read-out from photon detectors in ultra-large, underground liquid argon time projection chambers. In this design, the signal from the light collection system is coupled via capacitive plates to the TPC wire-planes. This signal is then read out using the same cabling and electronics as the charge information. This greatly benefits light collection: it eliminates the need for an independent readout, substantially reducing cost; It reduces the number of cables in the vapor region of the TPC that can produce impurities; And it cuts down on the number of feed-throughs in the cryostat wall that can cause heat-leaks and potential points of failure. We present experimental results that demonstrate the sensitivity of a LArTPC wire plane to photon detector signals. We also simulate the effect of a 1 $\mu$s shaping time and a 2 MHz sampling rate on these signals in the presence of noise, and find that a single photoelectron timing resolution of $\sim$30 ns can be achieved.Comment: 16 pages, 15 figure

Improved TPB-coated Light Guides for Liquid Argon TPC Light Detection Systems

Scintillation light produced in liquid argon (LAr) must be shifted from 128 nm to visible wavelengths in light detection systems used for liquid argon time-projection chambers (LArTPCs). To date, LArTPC light collection systems have employed tetraphenyl butadiene (TPB) coatings on photomultiplier tubes (PMTs) or plates placed in front of the PMTs. Recently, a new approach using TPB-coated light guides was proposed. In this paper, we report on light guides with improved attenuation lengths above 100 cm when measured in air. This is an important step in the development of meter-scale light guides for future LArTPCs. Improvements come from using a new acrylic-based coating, diamond-polished cast UV transmitting acrylic bars, and a hand-dipping technique to coat the bars. We discuss a model for connecting bar response in air to response in liquid argon and compare this to data taken in liquid argon. The good agreement between the prediction of the model and the measured response in liquid argon demonstrates that characterization in air is sufficient for quality control of bar production. This model can be used in simulations of light guides for future experiments.Comment: 25 pages, 20 figure

Demonstration of a Lightguide Detector for Liquid Argon TPCs

We report demonstration of light detection in liquid argon using an acrylic lightguide detector system. This opens the opportunity for development of an inexpensive, large-area light collection system for large liquid argon time projection chambers. The guides are constructed of acrylic, with TPB embedded in a surface coating with a matching index of refraction. We study the response to early scintillation light produced by a 5.3 MeV alpha. We measure coating responses from 7 to 8 PE on average, compared to an ideal expectation of 10 PE on average. We estimate the attenuation length of light along the lightguide bar to be greater than 0.5 m. The coating response and the attenuation length can be improved; we show, however, that these results are already sufficient for triggering in a large detector

Convolutional neural networks applied to neutrino events in a liquid argon time projection chamber

We present several studies of convolutional neural networks applied to data coming from the MicroBooNE detector, a liquid argon time projection chamber (LArTPC). The algorithms studied include the classification of single particle images, the localization of single particle and neutrino interactions in an image, and the detection of a simulated neutrino event overlaid with cosmic ray backgrounds taken from real detector data. These studies demonstrate the potential of convolutional neural networks for particle identification or event detection on simulated neutrino interactions. We also address technical issues that arise when applying this technique to data from a large LArTPC at or near ground level

Benchmarking TPB-coated Light Guides for Liquid Argon TPC Light Detection Systems

Scintillation light from liquid argon is produced at 128 nm and thus must be shifted to visible wavelengths in light detection systems used for Liquid Argon Time Projection Chambers (LArTPCs). To date, designs have employed tetraphenyl butadiene (TPB) coatings on photomultiplier tubes (PMTs) or plates placed in front of the PMTs. Recently, a new approach using TPB-coated light guides was proposed. In this paper, we show that the response of lightguides coated with TPB in a UV Transmitting (UVT) acrylic matrix is very similar to that of a coating using a polystyrene (PS) matrix. We obtain a factor of three higher light yield than has been previously reported from lightguides. This paper provides information on the response of the lightguides so that these can be modeled in simulations for future LArTPCs. This paper also identifies areas of R&D for potential improvements in the lightguide respons

A Model for the Global Quantum Efficiency for a TPB-based Wavelength-Shifting System used with Photomultiplier Tubes in Liquid Argon in MicroBooNE

We present a model for the Global Quantum Efficiency (GQE) of the MicroBooNE optical units. An optical unit consists of a flat, circular acrylic plate, coated with tetraphenyl butadiene (TPB), positioned near the photocathode of a 20.2-cm diameter photomultiplier tube. The plate converts the ultra-violet scintillation photons from liquid argon into visible-spectrum photons to which the cryogenic phototubes are sensitive. The GQE is the convolution of the efficiency of the plates that convert the 128 nm scintillation light from liquid argon to visible light, the efficiency of the shifted light to reach the photocathode, and the efficiency of the cryogenic photomultiplier tube. We develop a GEANT4-based model of the optical unit, based on first principles, and obtain the range of probable values for the expected number of detected photoelectrons ($N_{\rm PE}$) given the known systematic errors on the simulation parameters. We compare results from four measurements of the $N_{\rm PE}$ determined using alpha-particle sources placed at two distances from a TPB-coated plate in a liquid argon cryostat test stand. We also directly measured the radial dependence of the quantum efficiency, and find that this has the same shape as predicted by our model. Our model results in a GQE of $0.0055\pm0.0009$ for the MicroBooNE optical units. While the information shown here is MicroBooNE specific, the approach to the model and the collection of simulation parameters will be widely applicable to many liquid-argon-based light collection systems.Comment: final version accepted for publication by JINS