4Allen, F., Santomero, A. M., 1997. The theory of Financial intermediation. Journal of Banking and Finance 21,1461 - 1485.
5Allen, F., Santomero, A. M., 2001. What do ? nancial intermediaries do? Journal of Banking & Finance 25, 271- 294.
6Diamond, D. W., Rajan, R. G., 2000. A theory of bank capital. Journal of Finance LV (6), 2431- 2465.
7Diamond, D. W., Rajan, R. G., 2001. Liquidity risk, liquidity creation and .9 nancial fragility: A theory of banking. Journal of Political Economy 109 (2), 287- 327Freixas,X. , Rochet, J. C., 1998. Microeconomics of Banking. MIT Press, Cambridge, MA.
8Scholtens, B. , van Wensveen, D. , 1999. A critique on the theory of financial intermediation. Journal of Banking and Finance, 24 (8), 1243- 1251.