5Baumol,W. J. , 1982. “Contestable Markets: An Uprising in the Theory of Industry Structure.” American Economic Review, Vol. 72,pp. 1 - 15.
6Beck,T. ; Demirguc - Kunt,A. ; Levine, R. and Maksimovic, V. ,2004. "Bank Competition and Access to Finance International Evidence. "Journal of Money, Credit and Banking, Vol. 36, pp. 627 - 648.
7Bencivenga, V. R. and Smith, B. D. , 1991. "Financial Intermediation and Endogenous Growth. "Review of Economics Studies, Vol. 58, pp. 195 - 209.
8Bencivenga,V. R. and Smith, B. D. ,1993. "Some Consequences of Credit Rationing in an Endogenous Growth Model. "Journal of Economic Dynamics and Control ,Vol. 17 ,pp. 97 - 122.
9Berger,A. N. ; Miller, N. H. ; Petersen, M. A. ;Rajan, R. G. and Stein, J. C. ,2005. " Does Fuction Follow Organizational Form? Evidence From The Lending Practices of Large and Small Banks. "Journal of Financial Economics,Vol. 76, pp. 237 -269.
10Besanko, D. and Thakor, A. V. , 1992. “Banking Deregulation : Allocational Consequences of Relaxing Entry Barriers.”Journal of Banking and Finance, Vol. 16, pp. 909 - 932.
4Boyeau-Debray, G. and S. Wei, 2004, “Can China Grow Faster: A Diagnosis of the Fragmentation of its Domestic Capital Market. ” IMF Working Paper 04/76.
5Boyeau-Debray, G. and S. Wei, 2005, “Pitfalls of a State-Dominated Financial System: the Case of China.” NBER working paper 11214.
6Cetorelli, N. and P. E. Strahan, 2006, “Finance as a Barrier to Entry: Bank Competition and Industry Structure in Local U.S. Markets”, Journal or Finance, LⅪ, 1 : 437-461.
7Cole, R.A., L.G. Goldberg, And L.J. White, 2004,“Cookie Cutter vs. Character: The Micro Structure of Small Business Lending by Large and Small Banks”, Journal of Financial and Quantitative Analysis, 39: 227-251.
8Dayal-Gulati,A. and A. M. Husain, 2002, "Centripetal Forces in China's Economic Takeoff", IMF Staff Papers, 42(3) :364-394.
9Dewatripont, M. and E. Maskin, 1995, "Credit Efficiency in Centralized and Decentralized Economies", Review of Economic Studies, 62: 541 -555.
10Jayaratne, J. and J. Wolken, 1999, "How Important Are Small Banks to Sman Business Lending? New Evidence from a Survey of Small Firms", Journal of Banking and Finance, 23: 427-458.