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2. Financial Innovation and Risk Sharing;Allen,1994
3. Allen, F., Gale, D., 1996. Financial Markets, Intermediaries and Intertemporal Smoothing. WP 96-33. The Wharton School Institutional Centre, University of Pennsylvania.
4. What do financial intermediaries do?;Allen;Journal of Banking and Finance,2001
5. Bank ownership and efficiency;Altunbas;Journal of Money, Credit and Banking,2001