6Arellano, M. ,Panel data econometrics[ M] ,Oxford[ England] ,New York:Oxford University Press,2003.
7Baranoff,E. G. and T. W. Sager,2002, "The Relations among Asset Risk,Product Risk,and Capital in the Life Insurance Industry", Journal of Banking and Finance,26:1381 -1197.
8Baranoff,E. G. and T. W. Sager,2003, "The Interrelationship among Organizational and Distribution Forms and Capital and Asset Risk Structures in the Life Insurance Industry", Journal of Risk and Insurance ,70:375 - 400.
9Baranoff, E. G. , T. W. Sager, and S. Papadopoulos,2007, "Capital And Risk Revisited : A Structure Equation Model Approach For Life Insurers", Journal of Risk and Insurance,74:653 -681.
10Berger, A. N. , R. J. Herring, and Giorgio P. Szego, 1995, "The Role of Capital in Financial Institutions", Journal of Banking and Finance, 19:393 -430.
