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消费者脆弱性与寿险非道德销售行为 被引量:1
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作者 毕泗锋 安起光 《东方论坛(青岛大学学报)》 2020年第4期71-83,共13页
在区分非道德销售行为事件基础上,借用某寿险公司消费者保单数据,运用稀有事件偏差修正估计(Rare events biased-corrected estimates)模型,可以测度消费者脆弱性(以教育水平为度量指标)对非道德销售行为发生几率的影响。研究发现:消费... 在区分非道德销售行为事件基础上,借用某寿险公司消费者保单数据,运用稀有事件偏差修正估计(Rare events biased-corrected estimates)模型,可以测度消费者脆弱性(以教育水平为度量指标)对非道德销售行为发生几率的影响。研究发现:消费者教育脆弱性与销售人员的非道德销售行为有显著的正相关关系;对销售人员分类后进一步考察,低学历相对于高学历的销售人员,男性相对女性销售员,更容易实施非道德销售策略。这就从消费者脆弱性视角重新解释了销售人员的非道德销售行为,既可丰富该领域的研究文献,亦可为寿险公司保单管理和监管部门政策制定和实施提供借鉴。 展开更多
关键词 脆弱性 教育水平 非道德销售 稀有事件偏差修正估计
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"In-situ Recycling" :Monolithic Ladle Repair with Shotcreting
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作者 Christoph WHRMEYER Christopher PARR +6 位作者 Fabien simonIN Bin LI Susan Li simon gao Magali SZEPIZDYN Jim FARRELL Scott KNIGHTON 《China's Refractories》 CAS 2015年第1期44-50,共7页
The service life of refractories in ladle walls is limited by corrosion,abrasion,thermal shock and structural spalling mechanisms. When the ladle is lined with bricks they typically need to be completely removed after... The service life of refractories in ladle walls is limited by corrosion,abrasion,thermal shock and structural spalling mechanisms. When the ladle is lined with bricks they typically need to be completely removed after a certain number of heats to be replaced by new bricks of the same size as the original bricks. Not so for monolithic ladle linings. At the end of their service life the remains of the castable can almost completely be recycled as they can in fact stay in place. Only the worn-out part of the lining has to be replaced by a new castable. 20%-50% of the initial ladle lining can be recycled "insitu". The installation can efficiently be done by shotcreting technics. But it requires a castable that resists slag penetration very well. Castables based on a calcium magnesium aluminate bond provide the required penetration resistance. Pumping and shotcreting is very well adapted for repairs of blast furnace shafts,torpedo cars,hot metal and steel ladle linings[1]. However,very little is published about how a good pumping and shotcreting performance can be achieved when the installation has to be done under extreme weather conditions. At high ambient temperature the challenge is to ensure a good pumping result without early castable stiffening. Blockage of the pump would be the consequence. At low ambient temperature the difficulty is to de-activate the highly efficient deflocculant fast enough with a gelling agent added intothe wet mix at the nozzle to prevent the gunned material slipping off the wall. This paper studies strategies how to achieve good installed properties even at extreme ambient temperatures. The interactions between deflocculants,retarders,gelling agents,and calcium magnesium aluminate binder as a function of temperature are studied for an alumina- spinel ladle castable. Beside a new gelling agent for this castable type also a special stabilizer to reduce the temperature sensitivity has been investigated. It will be highlighted how the use of the new calcium magnesium aluminate binder in ladle castables and shotcretes maximises their service life and minimises material consumption. 展开更多
关键词 steel ladle slag penetration alumina spinel castable shotcreting recycling calcium magnesium aluminate gelling agent
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