4Culbertson, J M. The term structure of interest rates[J]. Quarterly Journal of Economics, 71 (1957) :485--517.
5Michel Crouhy, Robert Mark, Dan Galai. Risk management[M]. McGraw-Hill, 2000.
6Jean-Charles Roehet,Jean Tirole. Controlling risk in payment system, journal of money[J]. Credit and Banking, Vol. 28, No. 4 : 832--862.
7Keith B Johnson. Investment organization, policy and practice in property-liability insurance[J]. The Journal of Risk and Insurance, Vol. 39, No. 1, 1972: 55--64.
