2Merton R G,Bodie Z.Deposit Insurance Reform:A Functional Approach in A.Meltzer and G.Plosser[J].Carnegie-Rochester Series on Public Policy,1993(6):38-39.
3Mishkin,F.S.&P.E.Strahan(1999),“What will technology do to financial structure?",NBER Working Paper No.w6892.
4BERGER A N,UDELL G F.A More Complete Conceptual Framework for SME Finance[J].Journal of Banking&Financing,2006,30(11):2945-2966.
5Aghion P,Bolton P.A theory of trickle-down growth and development[J].The Review of Economicstudies,1997,64(2):151-172.
6Hart O.&Moore J.The Governance of Exchanges:Members'Cooperatives versus Outside Ownership[J].Oxford Review of Economic Policy,1996(4):53-69.
7Bao Duong P,Izumida Y.Rural development finance in Vietnam:a microeconometric analysis of household surveys[J].World Development,2002,30(2):319-335.
