6Franklin Allen, James McAndrews and Philip Strahan. E- Finance: An Introduction[ J] , Journal of Fi- nancial Services Research ,2002,22 : 5 - 27.
7LihuiLin, Xianjun Geng and Andrew Whinston. A New Perspective to Finance and Competition and Chal- lenges for Financial Institutions in the Internet Era [ M ]// BIS Monetaiy and Economic Department. Elec- tronic Finance: A New Perspective and Challenges. Ba- sel, Switzerland :Bank for International Settlements, 2001.
9Bodie, Z. and R. C. Merton, 1993, "Pension Benefit Guarantees in the United States: A functional A- nalysis", In R. Schmitt, Ed, The future of Pensions in the United States [ M ]. Philadelphia, PA, University of Pennsylvania Press.
10Strahan P E, Black S E. Entrepreneurship and bank credit availability [ J ]. The Journal of Finance, 2002, 57 (6) : 2807 - 2833.
