2[2]Thomas F.Huertus,Can Banking and Commerce Mix? The Cato Journal,Vol 7,No 3,Winter 1988.
3[3]Statement by Paul A.Volcker,Chairman,Board of Governors of the Federal Reserve System,before the subcommittee on commerce,consumer and monetary Affairs of the Committee on Government Operations,U.S.House of Representatives,June 11,1986.
4[4]Howell E.Jackson,the Expanding Obligations of Financial Holding Companies,107 Harv.L.Rev.507,536～537(1994).
5[5]Morgan Donald,Rating Banks Risk and Uncertainty in an Opaque Industry,Federal Reserve Bank of New York Staff Report 105,April 2000.
