Strategie competitive e modelli organizzativi dei Confidi alla luce del nuovo quadro normativo

In Italia, il contesto legislativo e l’ambiente competitivo dei Confidi è profondamente mutato negli ultimi anni a seguito dell’emanazione di due nuove normative: la “Legge Quadro” sui Confidi e la nuova regolamentazione del capitale di vigilanza nelle banche (c.d. "Basilea 2"). la Legge Quadro impone ai Confidi di adottare uno dei seguenti status societari: i) ente iscritto all’albo di cui all’art. 106 del Testo Unico Bancario (TUB); ii) ente iscritto all’albo di cui all’art. 107 del Testo Unico Bancario; iii) banca cooperativa di garanzia collettiva dei fidi. Fermi restando i requisiti soggettivi sui garanti ammessi da Basilea 2, la modalità tecnica finora utilizzata dai Confidi non risponde ai requisiti oggettivi. Il pensiero strategico si enuclea nelle seguenti domande: A) qual è la missione del Confidi (perché esistono i Confidi)? B) Quali prodotti e servizi dovrebbero offrire per raggiungere la loro missione? C) Quale modello organizzativo e di governance si conforma meglio per l'offerta dei prodotti e servizi individuati come necessari per il raggiungimento della missione? Le riflessioni condotte nell’ambito di un quadro di riferimento delineato dal ruolo delle garanzie nel mercato del credito bancario, dalle “Nuove disposizioni di vigilanza prudenziale per le banche”, dalla “Legge Quadro” sui e, infine, dall’assetto istituzionale ed operativo dei Confidi si riassumono nelle seguenti deduzioni: Proposizione I: segmentare la domanda prima di adeguare l’offerta; Proposizione II: le operazioni tranched cover sono un'alternativa relativamente efficiente per l'operatività dei Confidi, anche per quelli non vigilati; Proposizione III: solo i Confidi‐banca hanno la necessità di dotarsi di un rating esterno; Proposizione IV: le banche sono nuovi Clienti dei Confidi: offrire servizi di outsourcing (remunerati), ma non impieghi di capitale; Proposizione V: le aggregazioni inter settoriali nel medesimo territorio sono da preferirsi alle aggregazioni inter territoriali fra Confidi del medesimo settore. Alle future ricerche è affidato il compito di verificare: quali opzioni strategiche nel concreato siano state applicate; quali siano state le determinati di tali scelte; il grado di soddisfacimento dei bisogni degli stakeholder dei Confidi; misurare i benefici conseguiti nell'efficienza allocativa del credito.

Metamorfismo ercinico di bassa-pressione: evoluzione tettonico-metamorfica del complesso di mandatoriccio (massiccio della Sila - Calabria)

Low-pressure/high-temperature (LP/HT) metamorphic belts are characterised by rocks that experienced abnormal heat flow in shallow crustal levels (T > 600 °C; P < 4 kbar) resulting in anomalous geothermal gradients (60-150 °C/km). The abnormal amount of heat has been related to crustal underplating of mantle-derived basic magmas or to thermal perturbation linked to intrusion of large volumes of granitoids in the intermediate crust. In particular, in this latter context, magmatic or aqueous fluids are able to transport relevant amounts of heat by advection, thus favouring regional LP/HT metamorphism. However, the thermal perturbation consequent to heat released by cooling magmas is responsible also for contact metamorphic effects. A first problem is that time and space relationships between regional LP/HT metamorphism and contact metamorphism are usually unclear. A second problem is related to the high temperature conditions reached at different crustal levels. These, in some cases, can completely erase the previous metamorphic history. Notwithstanding this problem is very marked in lower crustal levels, petrologic and geochronologic studies usually concentrate in these attractive portions of the crust. However, only in the intermediate/upper-crustal levels of a LP/HT metamorphic belt the tectono-metamorphic events preceding the temperature peak, usually not preserved in the lower crustal portions, can be readily unravelled. The Hercynian Orogen of Western Europe is a well-documented example of a continental collision zone with widespread LP/HT metamorphism, intense crustal anatexis and granite magmatism. Owing to the exposure of a nearly continuous cross-section of the Hercynian continental crust, the Sila massif (northern Calabria) represents a favourable area to understand large-scale relationships between granitoids and LP/HT metamorphic rocks, and to discriminate regional LP/HT metamorphic events from contact metamorphic effects. Granulite-facies rocks of the lower crust and greenschist- to amphibolite-facies rocks of the intermediate-upper crust are separated by granitoids emplaced into the intermediate level during the late stages of the Hercynian orogeny. Up to now, advanced petrologic studies have been focused mostly in understanding P-T evolution of deeper crustal levels and magmatic bodies, whereas the metamorphic history of the shallower crustal levels is poorly constrained. The Hercynian upper crust exposed in Sila has been subdivided in two different metamorphic complexes by previous authors: the low- to very low-grade Bocchigliero complex and the greenschist- to amphibolite-facies Mandatoriccio complex. The latter contains favourable mineral assemblages in order to unravel the tectono-metamorphic evolution of the Hercynian upper crust. The Mandatoriccio complex consists mainly of metapelites, meta-arenites, acid metavolcanites and metabasites with rare intercalations of marbles and orthogneisses. Siliciclastic metasediments show a static porphyroblastic growth mainly of biotite, garnet, andalusite, staurolite and muscovite, whereas cordierite and fibrolite are less common. U-Pb ages and internal features of zircons suggest that the protoliths of the Mandatoriccio complex formed in a sedimentary basin filled by Cambrian to Silurian magmatic products as well as by siliciclastic sediments derived from older igneous and metamorphic rocks. In some localities, metamorphic rocks are injected by numerous aplite/pegmatite veins. Small granite bodies are also present and are always associated to spotted schists with large porphyroblasts. They occur along a NW-SE trending transcurrent cataclastic fault zone, which represents the tectonic contact between the Bocchigliero and the Mandatoriccio complexes. This cataclastic fault zone shows evidence of activity at least from middle-Miocene to Recent, indicating that brittle deformation post-dated the Hercynian orogeny. P-T pseudosections show that micaschists and paragneisses of the Mandatoriccio complex followed a clockwise P-T path characterised by four main prograde phases: thickening, peak-pressure condition, decompression and peak-temperature condition. During the thickening phase, garnet blastesis started up with spessartine-rich syntectonic core developed within micaschists and paragneisses. Coevally (340 ± 9.6 Ma), mafic sills and dykes injected the upper crustal volcaniclastic sedimentary sequence of the Mandatoriccio complex. After reaching the peak-pressure condition (≈4 kbar), the upper crust experienced a period of deformation quiescence marked by the static overgrowths of S2 by Almandine-rich-garnet rims and by porphyroblasts of biotite and staurolite. Probably, this metamorphic phase is related to isotherms relaxation after the thickening episode recorder by the Rb/Sr isotopic system (326 ± 6 Ma isochron age). The post-collisional period was mainly characterised by decompression with increasing temperature. This stage is documented by the andalusite+biotite coronas overgrown on staurolite porphyroblasts and represents a critical point of the metamorphic history, since metamorphic rocks begin to record a significant thermal perturbation. Peak-temperature conditions (≈620 °C) were reached at the end of this stage. They are well constrained by some reaction textures and mineral assemblages observed almost exclusively within paragneisses. The later appearance of fibrolitic sillimanite documents a small excursion of the P-T path across the And-Sil boundary due to the heating. Stephanian U-Pb ages of monazite crystals from the paragneiss, can be related to this heating phase. Similar monazite U-Pb ages from the micaschist combined with the lack of fibrolitic sillimanite suggest that, during the same thermal perturbation, micaschists recorded temperatures slightly lower than those reached by paragneisses. The metamorphic history ended with the crystallisation of cordierite mainly at the expense of andalusite. Consequently, the Ms+Bt+St+And+Sill+Crd mineral assemblage observed in the paragneisses is the result of a polyphasic evolution and is characterised by the metastable persistence of the staurolite in the stability fields of the cordierite. Geologic, geochronologic and petrographic data suggest that the thermal peak recorded by the intermediate/upper crust could be strictly connected with the emplacement of large amounts of granitoid magmas in the middle crust. Probably, the lithospheric extension in the relatively heated crust favoured ascent and emplacement of granitoids and further exhumation of metamorphic rocks. After a comparison among the tectono-metamorphic evolutions of the different Hercynian crustal levels exposed in Sila, it is concluded that the intermediate/upper crustal level offers the possibility to reconstruct a more detailed tectono-metamorphic history. The P-T paths proposed for the lower crustal levels probably underestimate the amount of the decompression. Apart from these considerations, the comparative analysis indicates that P-T paths at various crustal levels in the Sila cross section are well compatible with a unique geologic scenario, characterized by post-collisional extensional tectonics and magmas ascent.

Forme e modelli di diafonia nella musica tradizionale italiana

La tesi di Dottorato espone i risultati dell’analisi condotta su alcune tipologie di canto profano a due parti, osservate nella tradizione orale di specifiche aree rurali: le espressioni diafoniche oggetto di indagine sono state individuate in diverse regioni, prevalentemente nell’Italia centro-meridionale e in Sicilia, con alcune propaggini nell’Italia nord-orientale e in alcune aree europee abitate da minoranze italiane (Istria slovena e croata). I documenti analizzati sono stati reperiti grazie alla ricerca sul campo e rintracciati anche nelle pubblicazioni discografiche, nei cataloghi dei più importanti archivi pubblici e privati italiani. Sono stati definiti i caratteri formali dei repertori e l’indagine realizzata ha inoltre condotto a una mappatura attestante la presenza di repertori vocali simili in diverse sub-aree della Penisola, confermando la estesa diffusione di pratiche diafoniche tradizionali in Italia. Sulla base di analogie e ricorrenze è stato rilevato che le espressioni diafoniche italiane possono essere attribuite a una remota tradizione comune: sebbene le peculiarità relative a ciascun repertorio siano in molti casi abbastanza marcate, le connotazioni strutturali e i modi performativi che distinguono tali repertori pare vogliano indicare di essere di fronte a testimonianze di una tradizione musicale arcaica, in cui è possibile individuare procedure e attitudini diafoniche simili e condivise. L’ultima parte dell’indagine espone alcune riflessioni emerse dal confronto tra le forme diafoniche analizzate e repertori polifonici conservati nella tradizione scritta, prendendo come punto di partenza gli studi di Nino Pirrotta: ne emergono considerazioni per l’individuazione e l’analisi di possibili comuni occorrenze all’interno di pratiche performative localmente convergenti, pur se subordinate a modi di trasmissione diversi (tradizione scritta e non scritta della musica).

Ruolo delle cellule staminali mesenchimali in modelli cellulari e animali di nefropatia

Background. Mesenchymal stem cells (MSC) may be of value in regeneration of renal tissue after damage, however lack of biological knowledge and variability of results in animal models limit their utilization. Methods. We studied the effects of MSC on podocytes ‘in vitro’ and ‘in vivo’ utilizing adriamycin (ADR) as a model of renal toxicity. The ‘in vivo’ experimental approach was carried out in male Sprague Dawley rats (overall 60 animals) treated with different ADR schemes to induce acute and chronic nephrosis. MSC were given a) concomitantly to ADR in tail vein or b) in aorta and c) in tail vein 60 days after ADR. Homing was assessed with PKH26-MSC. Results. MSC rescued podocytes from apoptosis induced by ADR ‘in vitro’. The maximal effect (80% rescue) was obtained with MSC/Podocytes co-culture ratio of 1:1 for 72 hours. All rats treated with ADR developed nephrosis. In no case MSC modified the clinical parameters (i.e. proteinuria, serum creatinine, lipids) but protected the kidney from severe glomerulosclerosis when given concomitantly to ADR. Rats given MSC 60 days after ADR developed the same severe renal damage. Only few MSC were found in renal tubule-interstitial areas after 1-24 hours from injection and no MSC was detected in glomeruli. Conclusions. MSC reduced apoptosis of podocytes treated with ADR ‘in vitro’. Early and repeated MSC infusion blunted glomerular damage in chronic ADR nephropathy. MSC did not modify proteinuria and progression to renal failure, that implies lack of regenerative potential in this model.

Sviluppo e validazione di un modello di film fluido per simulazioni CFD di motori a combustione interna

A wall film model has been implemented in a customized version of KIVA code developed at University of Bologna. Under the hypothesis of `thin laminar ow' the model simulates the dynamics of a liquid wall film generated by impinging sprays. Particular care has been taken in numerical implementation of the model. The major phenomena taken into account in the present model are: wall film formation by impinging spray; body forces, such as gravity or acceleration of the wall; shear stress at the interface with the gas and no slip condition on the wall; momentum contribution and dynamic pressure generated by the tangential and normal component of the impinging drops; film evaporation by heat exchange with wall and surrounding gas. The model doesn't consider the effect of the wavy film motion and suppose that all the impinging droplets adhere to the film. The governing equations have been integrated in space by using a finite volume approach with a first order upwind differencing scheme and they have been integrated in time with a fully explicit method. The model is validated using two different test cases reproducing PFI gasoline and DI Diesel engine wall film conditions.

La comunicazione chimica in Blattaria: contributo al miglioramento della lotta

CHEMICAL COMMUNICATION IN BLATTARIA: CONTRIBUTION TO THE IMPROVEMENT OF THE CONTROL TECNIQUES The management of cockroach infestations in urban environment has undergone some changes in recent years by moving to the predominant use of baits, thanks to the awareness of the risks connected with the use of spray insecticides. The effectiveness of a bait is determined by the collective performance of its components, including active and inert ingredients, the food attractant and any other attractive odour. This research has focused on the behavioral responses of Italian sinanthropic cockroaches to semiochemicals and food attractants, for the purpose of evaluating a possible practical application and of contributing to the improvement of control techniques. Behavioral and morphological studies have been carried out on Supella longipalpa (F.), a small cockroach that is spreading in Italy. Behavioral assays showed that the fourth and fifth tergites of females are significantly more attractive than other region of the body. Cuticular pores and ducts ending in glandular structures (observed with a S.E.M. = Scanning Electron Microscope) are present in large number on these tergites, suggesting that they could be involved in the production and the release of sexual pheromone. Cockroaches produce an aggregation pheromone that is excreted along with their frass and that consists of volatile and non-volatile compounds, mainly amines and steroidal glycosides. The effectiveness of faecal extracts obtained from excrements of Blattella germanica (L.), Blatta orientalis L., Periplaneta americana (L.) and S. longipalpa was evaluated, both at intraspecific and interspecific level, using a "Y" tube olfactometer. Bioassays showed that faecal extracts obtained with methanol have a good intraspecific attractiveness and, in some cases, they showed also interspecific behavioral responses. A gel was prepared, having physical characteristics that could give a good resistance to dehydration, as a potential basis for a new bait; the gel was then added faecal extracts, obtained with methanol from B. germanica and S. longipalpa frass. Arena-tests showed that the new gel containing faecal extracts is more attractive than some commercial gel formulations used as comparison: it was the only product that could attract 100% of insects placed in the arenas in 4-5 days. In conclusion, the substances involved in chemical communication of Blattaria may be able to effectively increase the attractiveness of products for monitoring and controlling cockroaches.