The emergence of “digital economy” is both a favorable and unfavorable factor, which brings many opportunities and challenges for the whole banking industry. In recent years, along with the rapid development of digital economy and network technology, the financial industry is experiencing a profound revolution. Selecting the data of 42 commercial banks in China from 2010 to 2021 as a sample, the effect of digital transformation on the business performance of commercial banks was examined from the aspects of profitability and safety respectively, and on this basis, examines whether the effect of digital transformation is heterogeneous. The empirical results show that digital transformation has a significant positive effect on the improvement of commercial banks’ profitability and security, and there is heterogeneity in the effects of digital transformation on commercial banks’ business performance across different types of banks and different regions. Therefore, commercial banks need to clarify their transformation strategies, upgrade their technology systems and realize product innovations to facilitate digital transformation.

The reform of payment method by diagnosis-intervention packet(DIP) is an important part of deepening the reform of medical insurance payment method, and it is an original payment method in line with China’s national conditions. Taking Rice-Horn model as the framework, on the basis of the literature analysis, the payment dilemma was studied from six dimensions, including the policy objectives and standards, policy resources, communication between organizations and coercive behavior, the characteristics of the executive, political economic and social environment and the preference. Some suggestions are put forward from four aspects, including the perfect laws and regulations, improving the executive attention, improving executive execution ability, and optimizing the execution environment.

Vertical joints are a key characteristic of loess, contributing to its strong anisotropies. This factor must be taken into consideration in engineering activities. The development mechanism of vertical joints in loess at great depths under the influence of dry-wet cycles was investigated, focusing on a highway tunnel passing through a loess irrigation area. The appropriate method was also explored for calculating this phenomenon. Through a comprehensive analysis of diffraction patterns and scanning electron microscopy, it was proposed that soluble salts in the loess play a key role in cementation. A significant amount of soluble salts dissolved in water and migrated downward during dry-wet cycles, disrupting the cementation of the loess. This results in a shift from point-to-point contact between soil particles to point-to-surface or surface-to-surface contact. Additionally, the recrystallization after migration leads to the development and expansion of fine pores in the loess. The continued expansion of the joint fracture volume also creates a pathway for further downward penetration of the water flow. This cyclical interaction between loess and water will facilitate the development of joint fractures at greater depths. The surface cracks and sinkholes in underground engineering activities carried out in similar strata are the visible signs of the progressive development of internal cracks in loess from the subsurface to the surface. The utilization of random joint mesh DNF in finite element software to convert joints into discrete, planar, and finite-size elements is a viable approach for representing the anisotropy of loess in calculations. It also introduces a new concept for the equivalent treatment of discontinuous problems using the continuous mechanics method.

Personal data has become a crucial production factor in the digital economy era. The transportation sector, being a data-intensive industry, contains much personal data. To address current issues of data storage insecurity and difficulties in data circulation and sharing, constructing a new data service model—Personal Data Bank for Transportation was proposed. This bank emulates the operational model of commercial banks, employing blockchain technology and distributed storage solutions to enhance data security and privacy protection. A contribution-based incentive strategy fosters collaboration between users and the data bank, underlining the importance of user participation and the potential benefits for all stakeholders. The Personal Data Bank for Transportation facilitates data storage, viewing and purchase retrieval, thereby achieving data circulation while clarifying ownership issues in data transactions. Its goal is to ensure personal data’s secure and efficient flow and improve the relationship between enterprises and individual data subjects.

According to the problem of multiple attributes group decision making, in which the attribute values are given in terms of picture fuzzy numbers, a picture fuzzy multiple attributes group decision making model based on projection and cross entropy was established. The projection was introduced into the picture fuzzy multiple attributes group decision making to find the weights of the experts. The weighted symmetric discrimination information measure for PFSs of each alternative corresponding to each expert and the ideal alternative were obtained by using cross entropy, then according to the weight of the experts, the weighted symmetric discrimination information measure values of each alternative and the ideal alternative were assembled. The optimal alternative is obtained. Finally, an example is given to illustrate the practicality and effectiveness of the proposed method.

To study the optimal excavation method for shallow-buried soft rock large-section tunnels, detailed numerical models were established for the step method, the cross-middle wall method and the double side wall guiding pit method. The research focused on the time-space evolution of the ground displacement field during the construction process and the stress distribution of the supporting structure. The results show than the excavation using the double side wall guiding pit method induces smaller crown settlement displacements. The ground settlement caused by the three excavation methods is characterized by a U-shaped curve, with the double side wall guiding pit method resulting in the smallest surface settlement displacement. The initial support stress calculated for the double side wall guiding pit method is higher, but remains within a safe range.

As an economic engine and strategic choice in the new era, the low-altitude economy has great strategic significance and broad market prospects. At present, the development of low-altitude economy is boosted by new quality productivity, the industrial chain foundation is relatively stable, and various provinces and cities are accelerating the formulation and improvement of relevant policies and regulations. However, in the process of developing the low-altitude economy, there are still problems such as the relatively slow speed of infrastructure construction, the research and development capacity of key technologies to be strengthened, and the industry support capacity to be improved. Therefore, in view of the current problems, the focus is on the comparison of the policies and plans of various provinces and cities, in order to better promote the development of the low-altitude economy, it is necessary to further play the role of the market, focus on key industries and fields, strengthen infrastructure construction, enhance the supporting role of scientific and technological innovation in the low-altitude economy, accelerate the industrialization and commercialization process of the low-altitude economy, and carry out multi-scenario “low-altitude economy +” mode and other strategies to fully release the value of the low-altitude economy.

In recent years, the construction industry has been in a downturn, and companies and employees are generally facing huge challenges. Improving employees’ job embeddedness is particularly important. However, current research is mostly based on ordinary enterprises and public service personnel, lacking the development of effective measurement tools for work embedding in engineering project contexts. Based on the interview content and literature analysis, interviews with seven experts in the field of engineering projects and a dimensional structure of work embedding in the project context were firstly conducted. Subsequently, following a strict scale development process, a preliminary set of organizational embedding consisting of 15 items and organizational embedding consisting of 7 items were established. After expert scoring and reliability and validity testing, the final scale consisting of 11 items and 6 items is formed, which is proven to have good reliability and validity, and can provide reference for the management and development of engineering project teams.

Based on expert interviews, relevant literature research and practical experience, combined with the characteristics of the whole-process engineering consulting model, corresponding hypotheses were put forward and a model of the mechanism of constraints on the application of the whole-process engineering consulting model was constructed. Based on the PLS-SEM method, the mechanism model was verified. The verification results show that policy guarantee, market cultivation, service ability and social awareness all directly affect the application of the whole-process engineering consulting model, and the direct effects are policy guarantee> service ability> social awareness >and market cultivation. Market cultivation and service capabilities play a partly intermediary role between policy guarantee and the application of the whole-process engineering consulting model.

In order to explore the influencing mechanisms of the safety training effects of the new generational construction workers, questionnaire surveys and interviews on 10 construction projects under construction were conducted to analyze the safety training effects of the new generation of construction workers, consulting the relevant literature, based on the learning theory and training transfer theory, the theoretical model between individual factors, organizational factors, external environment, a structural equation model of training system factors and safety training effects was established and empirically tested. The findings indicate that personal factors have a positive effect on the safety training effect of the new group of construction workers, the external environmental factors have a positive effect on the safety training effect of the new generational construction workers, and the personal, organizational and training system factors play a part of the mediating effect. The training system factors have a positive effect on the safety training effect of the new generation of construction workers, and the role of personality elements in intermediate effects. Organizational factors have a positive effect on the safety training effect of the new generation of construction workers, and individual factors play a partial mediating effect. The results of the study may provide a resource for enhancing the efficacy of safety training for the new group of construction workers.