4Allen,F. ,and Santomero,A. M. The Theory of Financial Intermediation[ J]. Journal of Banking and Finance,1997, Vol. 21,No. 1 ,pp. 1461 - 1485.
5Axel Johne. Insurance Product Development:Managing the Changes[ J]. International Journal of Bank Market-ing,1993,Vol.ll(3),5-14.
6Benston,G. J.,and C. W. Smith. A Transactions Cost Approach to the Theory of Financial Intermediation[ J].Journal of Finance,1976,Vol. 31,No. 1 ,pp. 215 -231.
7Bert Scholtens,and Dick van Wensveen. The Theory of Financial Intermediation: An Essay On What It Does(Not) Explain [ C ]. Vienna : SUERF (SUERF Studies : 2003/1).
8Bhattacharya, S. , and A. V. Thakor. Contemporary Banking Theory [ J]. Journal of Financial Intermediation,1993, Vol. 3,No. 1 ,pp. 2 -50.
9Cummins,J David and Doherty,Neil A. The Economics Of Insurance Intermediaries [ J] . Journal of Risk andInsurance ,2006, Vol. 73 (3) ,359 - 396.
10Diamond,D. Financial Intermediation and Delegated Monitoring[ J]. Review of Economic Studies, 1984, Vol.51,No. 1,pp. 393 -414.