4Stiroh K J. Diversification in Banking:Is Noninterest Income the Answer? [ J ]. Journal of Money, Credit, and Banking, 2004,36(5 ) :853-882.
5Wheelock D C, Wilson P W. New Evidence on Return to Scale and Product Mix among U. S. Commercial Banks [ R ]. St. Louis:Federal Reserve Bank of St. Louis, 1997.
6McNulty J E. Another Look at Scale Economics at Large Commercial Banks [ J ] . American Business Review ,2000,18(2) :96-104.
7Morgan Donald P, Kevin J Stiroh. Bond Market Discipline of Banks:The Asset Test [ J ]. Journal of Financial Services Research, 2001,20 ( 2/3 ) : 195 - 208.
8Kwast Myron. The Impact of Underwriting and Dealing on Bank Returns and Risks [ J ]. Journal of Banking and Finance, 1989,13 ( 1 ) : 101-125.
9Kwan Simon. Risk and Return of Banks' Section 20 Securities Affiliates [ J ]. FRBSF Economic Letter, 1998,23 (October) :98-132.
10DeYoung Robert, Karin P Roland. Product Mix and Earnings Volatility at Commercial Banks:Evidence from a Degree of Total Leverage Model [ J ]. Journal of Financial Intermediation, 2001,10( 1 ) :54-84.