4Banker, R.D.A. Charnes and W.W. Cooper, 1984, Some Models for Estimating Technical and Scale Inefficiencies in Data Envelopment Analysis, Management Science 30(9).
5Berger, A. N. and D. B. Humphrey, 1997, Efficiency of Financial Institutions: International Survey and Directions for Future Research,European Journal of Operational Research, 98, 175-213.
6Chadwick C. and P. Cappelli, 1999, Strategy, Human Resource Management, and the Performance of Life Insurance Finns, in Cummins, J.D. and A. M. Santomero ( Eds. ) Changes in the Life Insurance Industry : Efficiency , Technology and Risk Management, Boston : Kluwer Academic Publisher.
7Charnes, A., W.W. Cooper and E. Rhodes,1978, Measuring the Efficiency of Decision Making Units, European Jourrml of Operational Research, 2, 429-444.
8Coelli T., D.S. Prasada Rao, G.E. Battese, 1988, An Introduction to Efficiency and Productivity Analysis, London: Kluwer Academic Publishers.
9Cummings, J. D., 1999, Efficiency in the US life Insurance Industry: Are Insurers Minimising Costs and Maximising Revenues?, in Cummings, J.D. and A.M. Santomero (1999), Changes in the Life Insurance Industry: Efficiency , Technology and Risk Management, Boston: Kluwer Academic Publishers.
10Cummins, J.D.M.A. Weiss and H. Zi, 1999, Organizational form and Efficiency: the Coexistence of Stock and Mutual Property-Liability Insurers, Management Science, 45(9), 1254-1269.