4Berger, Allen N., Hanweck, Gerald A., and Humphrey, David B., 1987. Competitive Viability in Banking: Scale, Scope, and Product Mix Economics [J]. Journal of Monetary Economics, 20, No. 4 (December):501-520.
5Guzman, Mark G., 2000. The Economic Impact of Bank Structure: A Review of Recent Literature[J]. Economic and Financial Review, Q2:11-25.
