4Angbazo, Lazarus, 1997. Commercial Bank Net Interest Margins, Default Risk, Interest-rate, and Off-balance Sheet Banking [J]. Journal of Banking & Finance, (21) :55-87.
5Barajas, A., Steiner, R., and Salazar, N., 2000. The Impact of Liberalization and Foreign Investment in Colombia's Financial Sector [J]. Journal of Development Economics, (63) : 157-196.
6Beck, T., and Hesse, H., 2006. Bank Efficiency, Ownership, and Market Structure: Why Are Interests Spreads So High in Uganda? [R]. Policy Research Working Paper Series 4027, the World Bank.
7Beck, T., and Hesse, H., 2009. Why Are Interest Spreads So High in Uganda? [J]. Journal of Development Economics, (12) :192-204.
8Brock, Philip L., and Suareaz, L. R., 2000. Understanding the Behavior of Bank Spreads in Latin America [J]. Journal of Development Economics, (63) : 113-134.
9Chirwa, E. W., and Mlachila, M., 2004. Financial Reforms and Interest Rate Spreads in the Commercial Banking System in Malawi [J]. IMF Staff Papers, Vol. 51,(1 ) :96-122.
10Hauner, David, and Peiris, Shanaka J., 2005. Bank Efficiency and Competition and Low-income Countries: the Case of Uganda[R]. IMF Working Papers Series.
