6Merton, Robert C. "Financial Innovation and the Management and Regulation of Financial Institutions", Journal of Banking and Finance, Vol. 19, nos. 3/4 (1995) : 461 -481
7Merton, Robert C. Financial Innovation and the Management and Regulation of Financial Institutions [ J ]. Journal of Banking and Finance, Vol. 19, nos. 3/4 ( 1995 ) : 461 - 481.