Cummins JD, M Rubio-misas and H Zi (2004). “The Effect of Organizational Structure on Efficiency: Evidence from the Spanish Insurance Industry.” J Banking and Finance 28(12): 3113-3150.

Cummins JD, M Rubio-misas and H Zi (2004). “The Effect of Organizational Structure on Efficiency: Evidence from the Spanish Insurance Industry.” J Banking and Finance 28(12): 3113-3150.

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