1－1999－The consolidation of the financial services industry：Causes, consequences, and implications for the future
下载链接：http://www.sciencedirect.com/science/article/B6VCY-418Y1HF-1/2/e401d7a4a67469a12c1d0b9bdde061de

2－1995－Spatial Competition in the Banking System：Localization, Cross Subsidies and the Regulation of Deposit Rates
下载链接：http://www.sciencedirect.com/science?_ob=ArticleURL&_udi=B6V64-3YRSMDP-17&_user=1962347&_coverDate=05%2F31%2F1995&_rdoc=1&_fmt=high&_orig=search&_sort=d&_docanchor=&view=c&_searchStrId=1279837672&_rerunOrigin=scholar.google&_acct=C000055629&_version=1&_urlVersion=0&_userid=1962347&md5=62739f4710e7fca1eac7e9da36102f5d

3－1983－Competitive bidding and proprietary information
链接如下：http://www.sciencedirect.com/science/article/B6VBY-45824SD-R/2/3d4ed18d7fa3041d36513443cdedc277

4－1998－Screening, Cross-Border Banking, and the Allocation of Credit
链接如下：http://www.sciencedirect.com/science?_ob=ArticleURL&_udi=B6WWP-45M31HD-4&_user=1962347&_coverDate=12%2F31%2F1998&_rdoc=1&_fmt=high&_orig=search&_sort=d&_docanchor=&view=c&_searchStrId=1279850329&_rerunOrigin=google&_acct=C000055629&_version=1&_urlVersion=0&_userid=1962347&md5=1865652b5c60decd9bd334468180837a

5－1989－Further Evidence on the Bank Lending Process and the Capital Market Response to Bank Loan Agreements
链接如下：http://www.sciencedirect.com/science?_ob=ArticleURL&_udi=B6VBX-45NHW7H-7&_user=1962347&_coverDate=11%2F30%2F1989&_rdoc=1&_fmt=high&_orig=search&_sort=d&_docanchor=&view=c&_searchStrId=1279853733&_rerunOrigin=google&_acct=C000055629&_version=1&_urlVersion=0&_userid=1962347&md5=59ff6e88292d60cfa338bf3bd9e4f0a0