2Easterly William,2006,The white man ’ s burden : why theWest ’ a efforts to aid the rest have done so much ill and so little good,New York,Penguin Press.
3Henderson,BrianJ. ,and Neil D. Pearson,2011,‘‘The DarkSide of Financial Innovation : A Case Study of the Pricing of a RetailFinancial Product” ,Journal of Financial Economics, 100 (2) ,227 -247.
4Johnson Simon and James Kwak,2012,‘‘Is Financial Innova-tion Good for the Economy?” Innovation Policy and the Economy, 12(1),1-16.
5Inderst,Roman,and Marco Ottaviani,2012,“Financial Ad-vice" ,Journal of Economic Literature,50(2) ,494 -512.
