3King, R. G. & Levine, R., 1993, " Finance and Growth: Schumpeter Might Be Right", Quarterly Journal of Economics, 108 (3): 717-737.
4Klein, M. A., 1973, " The Economies of Security Divisibility and Financial Intermediation', Journal of Finance, 28, 923-931.
5Leland, H. & Pyle, D. , 1977, " Informational Asymmetries, Financial Structure and Financial Intermediation", Journal of Finance, 32, 2.
6McKinnon, R. I. , 1973, Money and Capital in Economic Development, The Brookings Institution, Washington. D. C.
7McKinnon, R. I., 1993, The Order of Economic Liberalization: Financial Control in the Transition to a Market Economy, second edition, Baltimore: Johns Hopkins University Press.
8Melton, R. C. , 1989, " On the Application of the Continuous-time Theory of Finance to Financial Intermediation and Insurance", Geneva Papers on Risk and Insurance Theory, 14, 225-261.
9Merton, R. C., 1995, "A Functional Perspective of Financial Intermediation", Financid Management, Vol. 24, No. 2, Summer 1995, 23-41.
10Merton, R. C. & Bodie, Z., 1993, " Deposit Insurance Reform: A Functional Approach", in A. Meltzer and C. Plosser. Eds., Carnegie-Rochester Conference Series on Public Policy, Vol. 38 (June).
