In this work, a shell and tube heat exchanger with inclined trefoil-hole baffles (STHX-IT) is proposed, and the numerical simulation is conducted to investigate the flow and heat transfer characteristics. A shell and tube heat exchanger with segmental baffles (STHX-SG) is also studied for the performance comparison. The results show that the heat transfer coefficient and pressure drop of the STHX-IT is averagely lower by 23.89% and 44.19% than those of the STHX-SG, but the heat transfer coefficient per pressure drop is higher by 36.38% on average. Further, the parametric studies of the inclination angle θ, trefoil-hole number n, and baffle cut δ are carried out for the STHX-IT. According to the numerical results, n and δ have more notable influence on shell side performance than θ. In detail, the heat transfer coefficient and pressure drop decrease slightly with θ increasing, and the overall performance is approximately equal; both the heat transfer coefficient and pressure drop decrease with the respective rising of n and δ, but the comprehensive performance shows a growing trend. Considering the synthetic effects of structural parameters, the multi-objective structure optimization using the genetic algorithm combined with the artificial neural networks is fulfilled. As a result, the Pareto front is obtained to characterize the behaviors of the maximum heat transfer rate and minimum pressure drop. The STHX-IT with the θ = 5.38°, n = 6, and δ = 43% is decided as the optimal solution by the TOPSIS method, whose Q/Δp is 2.34 times as much as that of the original STHX-SG.

More personal consumer loan products are emerging in mobile banking APP. For ease of use, application process is always simple, which means that few application information is requested for user to fill when applying for a loan, which is not conducive to construct users' credit profile. Thus, the simple application process brings huge challenges to the overdue risk detection, as higher overdue rate will result in greater economic losses to the bank. In this paper, we propose a model named HUIHEN (Hierarchical User Intention-Habit Extract Network) that leverages the users' behavior information in mobile banking APP. Due to the diversity of users' behaviors, we divide behavior sequences into sessions according to the time interval, and use the field-aware method to extract the intra-field information of behaviors. Then, we propose a hierarchical network composed of time-aware GRU and user-item-aware GRU to capture users' short-term intentions and users' long-term habits, which can be regarded as a supplement to user profile. The proposed model can improve the accuracy without increasing the complexity of the original online application process. Experimental results demonstrate the superiority of HUIHEN and show that HUIHEN outperforms other state-of-art models on all datasets.