4Ashton, J. Cost Efficiency, Economies of Scale and Economies of Scope in the British Retail Banking Sector [EB/OL]. http://eprints.boumemouth.ac.uk/3069/1998.
5Allen, L. and Jagtiani, J. The Risk Effects of Combining Banking, Securities, and Insurance Activities [J]. Journal of Economics and Business, 2000, 52 (6): 485-97.
6Boyd, J.H.and Chang, C., and Smith, B.D. Moral Hazard under Commercial and Universal Banking [J]. Journal of Money, Credit and Banking, 1998, 30 (3) : 426-68.
7Clark, J.A. Economies of Scale and Scope at Depository Financial Institutions: A Review of the Literature [J]. Economic Review, 1988, 73 (8): 17-33.
8Copeland, T., Weston, J.F. and Shashtri, K. Financial Theory and Corporate Policy 4th Edition (International edition) [M]. Boston: Addison-Wesley, 2004.
9Campello, M. Internal Capital Markets in Financial Conglomerates: Evidence from Small Bank Responses to Monetary Policy [j]. The Journal of Finance, 2002, 57 (6) : 2773-805.
10De Young, R.and Roland, K.P. Product Mix and Earnings Volatility at Commercial Banks: Evidence from a Degree of Total Leverage Model [J]. Journal of Financial Intermediation, 2001, 10 (1): 54-84.
