TF Hellmann, KC Murdock, JE Stiglitz - American economic review, 2000
Liberalization, moral hazard in banking, and prudential regulation: Are capital requirements enough?
not directly related to your topic. but should touch the edges of the issue??
Try Jstore. If you are in China, the IP should still identify you as "developing nation" and getting AER articles pre-2010 (it has a moving window of 2-3 year) should still be free.