1Armen Hovalimain and Edward J Kane.Effectiveness of CapitalRegulation at U.S.Commercial Banks, 1985 to 1994[J].The Journal ofFinance,VOL.LV. NO.l FEB.2000.
2A.Sinan Cebenoyan and Philip E. Strahan, Risk Management, CapitalStructure and Lending at Banks[J].Working paper,October 2001.