():,,,(),,,():():F842:A:10095330(2008)01003406:(1979-),,(610074)(),(),,:(2002);(2006),;,,(,2002);(2004),,,;,(2003),,(,2004);(,2002),()(,2006;,2006),(2005)(),,,()43,,,:()(),1999(),,,,(2004),,(),,,,,(),,,,(),,;;;,,,,,,,,,,2003,,,()1.,,,,,,53()HaroldD1Skipper,Jr::,:,:,2004,9,,,()()(),:(1)(),,,,,,,,,;,,,(2),(),,,,,;,,,;,;,,,(),(3)(),,,,,,,(4),,()()(),,,,,2.,,,,,,6320081,(),(),,,:(1)(),,,(),,,,(2)(),;,,,(3)(),(),,(4),,,,,,,,(5),,:(),,,,,,,,,,,(),,,()73(),,,R:,:,1991,274,A,,,,,()(),():(1),,,,,,,,,;(2),,,,,,();(3),,,,,,,()(),:1.(),,?,,,:(1),;(2),,;(3),,,,2.(),,,,(),;,(),,1+12,,,,3.,,()8320081,,,,,,,;,,,,(),(),,4.(),,,,,,AlstonJ1Lee,EmpiricalStudiesinEconomicsofInstitutions:anoverview1InAlston,EggertssonandNorth,eds1EmpiricalStudiesinInstitutionalChange,London:CambridgeUniversityPress,1996,pp120-451DionneGeorges,ed1HandbookofInsurance,Boston/Dordrecht/London:KluwerAcademicPublishers,20011RobertW1Klein,InsuranceRegulationinTransition,JournalofRiskandInsurance,1999,Vol162,No13,SymposiumonInsuranceSolvencyandFinance,(Sep11999),pp1363-4041YadiraGonzalezDeLara,EnforceabilityandRisk-SharinginFinancialContracts:FromtheSeaLoantotheCom2mendainLateMedievalVenice,JournalofEconomicHistory,Vol161,No12,(Jun12001),pp1500-5041DC:,,:,2003:,:,2004:,:,2007::,20075::,,:,2000:,20054:,:,2003R:,,:,1994::,:,2003:,:,2006:,2004323:,:,2004:,:,2002:,:,2001:2005,:93()