4Barajas Adolfo, Roberto Steiner & Natalia Salazar, The Impact of Liberalization and Foreign Investment in Colombia' s Financial Sector, Journal of Development Economics, 2000, 63(1), pp. 157- 196.
5Barrios Victor E & Juan M Blanco, The Effectiveness of Bank Capital Adequacy Regulation: A Theoretical and Empirical Approach, Journal of Banking & Finance, 2003, 27(10), pp. 1935 - 1958.
6Boot Arnoud W. A. & Anjan V. Thakor, Self-interested Bank Regulation, American Economic Review, 1993, 83(2), pp. 206 -213.
7Boyd John H., Bank Capital Regulation With and Without State-contingent Penalties: A Comment, Carnegie-Rochester Conference Series on Public Policy, 2001, 54(1), pp. 185 - 189.
8Gujarati, Damodar N., Basic Econometrics, New York: McGraw- Hill, 1995, 3rd edition pp. 319 -354.
9Hellmann Thomas F, Kevin C Murdock & Joseph E Stiglitz, Liberalization, Moral Hazard in Banking, and Prudential Regulation: Are Capital Requirements Enough? American Economic Review, 2000, 90 (1), pp. 147 - 165.
10Jensen Michael C. & William H. Meckling, Theory of the Firm: Managerial Behavior, Agency Costs and Capital Structure, Journal of Financial Economics, 1976, 3, pp. 305 - 360.