6ALLEN L, RAI A. 1997. Operational efficiency in banking: an interactional comparison, reply to the comment [ J ]. Journal of Banking and Finance,21 (10) :1451 - 1455.
7ALTUNBAS Y , MOLYNEAUX P. 1996. Economies of scale and scope in european banking[ J]. Applied Financial E- conomics,6(4) :367 - 375.
8AMAR G, MANJU P, SAUNDERS W. 1997. Bank under- writing of debt securities : modern evidence[ J]. The Re- view of Financial Studies, 10 ( 4 ) : 1175 - 1202.
9CLARK J A,SPEAKER P J. 1997. Economics of scale and scope in banking:evidence from a generalized tran slog cost function[ J]. Quarterly Journal of Business and Eco- nomics,33 (2) :3 -25.
10HUNTER W C ,TIMME S G. 1991. Technological change in large US commercial banks [ J ]. Journal of Business, 64(3) :339 -362.