3JBernanke,Ben 5. (2007), Kegulahon and Finan- cial Innovation, Speeeh to the Federal Reserve Bank of Atlanta's 2007 Financial Markets Conference, Sea Is land, Georgia.
4Blundell-Wignall ,A., & Atkinson, P. (2009), O- rigins of the financial crisis and requirements for reform, Journal of Asian Economics 20:536 - 548.
5Gennaioli, N., Shleifer, A., and Vishny, R.(2010), Financial Innovation and Financial Fragility, NBER working paper 16068.
6Merton, R.C. (1992), financial innovation and economic performance, Journal of Ap- plied Corporate Finance 4(4): 12-22.
