The Relationship between Property-Liability Insurance Premiums and Income: An International Analysis
研究了12个国家财产责任保险保费与国民收入的关系，发现保费收入弹性大于1，且保险深度随收入增长而增加。
Michael Beenstock, Gerry Dickinson, Sajay Khajuria, The Relationship between Property-Liability Insurance Premiums and Income: An International Analysis, The Journal of Risk and Insurance, Vol. 55, No. 2 (Jun., 1988), pp. 259-272