6Beaver, W., Engel, E.. Discretionary behavior with respect to allowances for loan losses and the behavior of security prices. Journal of hccounting&Economics,1996,22(1):177-206.
7Wetmore, J. L., & Brick, J. R. Loanloss provisions of commercial banks and adequate disclosure: h note. Journal of Economics and Business,,1994,(46):299-305.
6Rochet, J C. Capital requirements and the behaviour of commercial banks [ J ]. European Economic Review, 1992,36 : 1137 - 1178.
7Berger A N, Udell G F. Did risk - based capital allocate bank credit and cause a "credit crunch" in the United States? [ J ]. Journal of Money, Credit and Banking, 1994,26:585 -608.
8Avery R B, Berger A N. Rivk - based capital and depovit insurance refom [ J ]. Journal of banking and Finance, 1991,15:847 - 874.
9Keeton W R. Causes of the recent increase in bank security holdings[ J]. Federal Reserve Bank of Kansas City Economic Review, 1994,79 (2) :45 - 57.
10Basel Committee on Banking Supervision. Press release: Basel II : significant progress on major issues [ C ]. Bank for International Settlements, Basel,2003.