3CumminsJ.D.,M.A.Weiss and Hongmin Zi. Organizational Form and Efficiency: An Analysis of Stock and Mutual Property?Liability Insurers[J].Management Science, 1999(45): 1254-1269.
4Weiss. Mary A . International PIL Insurance Output, Input and Productivity Comparisons[J].Geneva Papers on Risk and In?surance Theory, 1991,16: 179-200.
5CumminsJ.D and Maria Rubio-Misas. Deregulation,Consoli?dation and Efficiency:Evidence From the Spanish Insurance Industry f,J J.The Working paper,the Wharton School of the Uni?versity of Pennsylvania, 2002, 1.
6MagrettaJ . Why Business Models Matter[J).Harvard Business Review, 2002,80(5): 86-92.
7Patrick H.McAllister, Douglas McManus. Resolving the scale efficiency puzzle in banking[J).Joumal of Banking & Finan?ce, 1993,17(2-3): 389-405.
8Allen N.Berger, Loretta lMester. Inside the black box: What explains differences in the efficiencies of financial institutions?[Ij.Journal of Banking & Finance, 1997,21(7): 895-947.
9AN Berger,JD Cummins,MA Weiss. Conglomeration versus Strategic Focus: Evidence from the Insurance Industry[J].Journal of Financial Intermediation, 2000,9(4): 323-362.
10Joseph A.Fields,Neil B.Murphy. An analysis of efficiency in the delivery of financial services: The case of life insurance agencies[J].1989, 2(4): 343-356.
