Erastov, Vasyl, Insurance, Banking and Risk-Management Department, Economic Faculty, Taras Shevchenko National University of Kyiv, Vasylkivska, 90 A, 03022 Kyiv, Ukraine
Escribá-Pérez, Carmen, Department of Economics and Social Sciences, Faculty of Business Administration and Management,  Universitat Politècnica de València, Camino de Vera s/n, 46022 Valencia, Spain

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