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Aiming at the deficiencies of the PLC teaching and training platforms in various colleges and universities, in order to meet the needs of students to debug PLC programs in various application places, taking elevator control as an example, this paper uses virtual reality technology, visualization technology, and computer programming technology to design a virtual simulation teaching platform based on PLC elevator control. Students can run the virtual simulation platform on the web page, learn the relevant basic knowledge, understand the operating principle of the elevator, and use the ladder diagram language to program in order to achieve the purpose of learning PLC. The results show that students can write and verify PLC programs anytime and anywhere, which greatly reduces the cost of purchasing training equipment and improves learning efficiency.

This study aims to explore the effects of Chinese third-party payments on commercial banks" non-interest income over the period [2008][2009][2010][2011][2012][2013][2014][2015][2016][2017]. In China, third-party payment is a digital payment provided by private non-bank firms that consist of desktop payment and mobile payment. More people prefer to use third-party payment, especially the mobile payment, instead of cash and bank card as the payment can be transacted easily and safely on the mobile phone by scanning QR code. To find whether this new digital payment trend impacts on commercial banks" non-interest income or not, this paper first employs the random effects panel data technique. The regression results show that for overall banks, higher desktop payment yields higher non-interest income, while the mobile payment deters the non-interest income. Then in order to investigate whether third-party payment exerts the effects differently across bank types, we include interaction terms and dummy variables in the regression. Findings show that from the perspective of bank types, small-medium commercial banks reap the positive spillover effects. But for large state-owned commercial banks, the non-interest income suffers a loss when desktop payment and mobile payment are growing. Based on the findings, the insightful policy implications are put forth for commercial banks" non-interest income expansion and profitability enhancement.

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