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6George G. Kaufman,Bank Failures,Systemic Risk,and Bank Regulation,CATO J. Vol. 16,No. 5,1996,pp. 17 -21 (quoting Alan Greenspan, Remarks at a Conference on Risk Measurement and Systemic Risk, Board of Governors of the Federal Reserve System, Nov. 16,1995 ), http .//www. cato. org/pubs/journal/cjlon1 -2. pdf,last visit on Oct. 10,2012.
7Testimony Concerning Regulation of Systemic Risk . Hearing Before the S. Comm. on Banking, Housing and Urban Affairs, 111 th Cong. 1 (2009) (testimony of Mary L. Schapiro, Chairman, SEC ), http.//banking, senate, gov/public/index, cfm? FuseAction = Files. View&FileStore_id = 4c3a14d4 - ddee -4873 - b56d - c7313cd55398 ,last visit on Oct. 15,2012.
8Allen, Franklin and Anthony M. Santomero, The Theory of Financial Intermediation, Journal of Banking & Finance, Vol. 21, No. 11 - 12,1997, pp. 1461 - 1485.
9Thomas Cooley & Ingo Walter, Financial Polluters Need to Pay, Bloomberg, Feb. 12,2009, http .//www. bloomberg, com/apps/news? Pid = 20601039&refer - columnist_and&sid = ajotwjbllZSM ,last visit on Oct. 15,2012.
10Establishing a Framework for Systemic Risk Regulation, http.//banking, senate, gov/public/index, cfm? FuseAction = Files. View&FileStore_id =4c3a14d4 - ddee -4873 - b56d - c7313cd55398 ,last visit on Oct. 15,2012.
