9Dacy, Douglas C and Howard Kunreuther, 1969, Economics of Natural Disasters; Implications for Federal Policy [ M ]. Free Press, New York.
10Cummins J. D, Doherty N. ,ALo. Can Insurers Pay for the "Big One"? Measuring the Capacity of an Insurance Market to Respond to Catastrophic Losses [ J ]. Journal of Banking and Finance ,2002, (26).