7Arellano, M. and Bover, O. "Another Look at the Instrumental variable Estimation of Error-components Models. "Journal of Econometrics, 1995, Vol 68, pp.29-52.
8Allen, F. and Qian, M. "China's Financial System: Past, Present, and Future. " Wharton Financial Institutions Center working paper, 2006.
9Beck, T. ; Lundberg, M. and Majnoni, G. "Financial Intermediary Development and Growth Volatility: Do Intermediaries Dampen or Magnify Shocks ?" Journal of International Money and Finance, 2006, Vol 25, pp. 1146- 1167.
10Berger, A. N. and DeYoung, R. "The Effects of Geographic Expansion on Bank Efficiency. " Journal of Financial Services Research, 2001, Vol 19, No. 2, pp. 163 - 184.