รบกวนขอเปเปอร์ค่ะ

Mitigating disaster losses through insurance
Howard Kunreuther 

https://link.springer.com/article/10.1007/BF00055792

How much more exposed are the poor to natural disasters? Global and regional measurement

https://onlinelibrary.wiley.com/doi/abs/10.1111/j.1467-7717.2011.01258.x