RDP 8402: Financial Innovation Bibliography Financial Intermediation

ALHADEFF, D.A. and C.P. ALHADEFF. “The Struggle for Commercial Bank Savings”. Quarterly Journal of Economics, vol. 72, 1958, pp.1–22.

ALIBER, R.Z. “The Integration of National Financial Markets; A Review of Theory and Findings”. Weltwirtsch Archiv, vol. 114, No. 3, 1978, pp.448–480.

ALIBER, R.Z. “The Integration of the Offshore and Domestic Banking System”. Journal of Monetary Economics, vol. 6, No. 4, 1980, pp.509–526.

ALTMAN, E. “A Financial Early Warning System for Over-the-Counter Broker Dealers”. Journal of Finance, vol. 31, No. 4, 1976, pp.1201–1217.

ANZ BANK LTD. “Australian Short-term Money Market”. ANZ Bank Quarterly Survey, vol. 16, No. 4, 1967, pp.12–13.

ANZ BANK LTD. “Australia's Changing Financial Structure”, ANZ Quarterly Survey, vol. 19, No. 5, 1970, pp.8–12.

ARGY, F. “Non-Bank Financial Intermediaries and the Process of Credit Creation”. Economic Record, vol. 36, No. 75, 1960, pp.530–541.

ASCHHEIM, J. “Commercial Banks and Financial Intermediaries: Fallacies and Policy Implications”. Journal of Political Economy, vol. 67, 1959, pp.59–71.

ASCHHEIM, J. “Commercial Banks and Financial Intermediaries: A Reply to L.J. Pritchard's comments”. Journal of Political Economy, vol. 68, 1960, pp.523–524.

BANK OF ENGLAND. “The London Discount Market: Some Historical Notes”. Bank of England Quarterly Bulletin, vol. 7, No. 2, 1967, pp.144–155.

BANKER. “Near – Banking: A Survey”. Banker, May, 1972, pp.636–681.

BANKER.“Retail Banking”. Banker, vol. 132, No. 673, 1982, pp.95–116.

BANKER. “How Building Societies See Their Role in the Financial Services Revolution”. Banker, vol. 134, No. 697, 1984.

BANKERS' MAGAZINE. “Who Holds the Winning Card? An EFMA report”. Bankers' Magazine, vol. 224, No. 1634, 1980, pp.28–30.

BARNES, A. “Canada's Biggest Bank's Now Give Daily Interest on Savings”. Burroughs Clearing House, vol. 64, No. 1, 1979, pp.33–34.

BLACK, D., K. GARBADE, and W. SILBER. “The Impact of the GNMA Pass-Through Program on FMA Mortgage Costs”. Journal of Finance, vol. 36, 1981, pp.457–469.

BLANDEN, M. “New Moves on Clearing Systems”. Banker, vol. 131, No. 662, 1981, pp.125–128.

BLOCH, E. “Two Decades of Evolution of Financial Institutions and Public Policy”. Journal of Money, Credit and Banking, vol. 3, 1971, pp.555–570.

BOGEN, J.A. “Trends in the Institutionalization of Savings”. Conference on Savings and Residential Financing, Proceedings, United States Savings and Loan League, 1958, pp.146–158.

BOLEAT, M. “Banks and Building Societies in the 1980's”. Banker, vol. 133, No. 690, 1983, pp.51–55.

BOREHAM, G.F. “The Changing Nature of Canadian Banking: I”. Canadian Banker and ICB Review, vol. 90, No. 1, 1983, pp.6–10.

BOREHAM, G.F. “The Changing Nature of Canadian Banking: II”. Canadian Banker and ICB Review, vol. 90, No. 2, 1983, pp.6–10.

BOREHAM, G.F. “The Changing Nature of Canadian Banking: III”. Canadian Banker and ICB Review, vol. 90, No. 3, 1983, pp.6–8.

BORKAR, D.G. “Recent Developments in the Australian Money Market”. Reserve Bank of India Bulletin, vol. 20, No. 8, 1966, pp.873–883.

BRENNAN, P.J. “Better Resting Place for Bank Cheques”. American Bankers' Association Banking Journal (Special Report: Operations and Automation), vol. 72, No. 5, 1980, pp.47–54.

BROADBENT, J. “The Changing Money Market”. Australian Stock Exchange Journal, vol. 8, No. 6, 1979, p.22.

BUDULS, A. “Banking: Employees To Hold Stopwork Meetings”. Australian Financial Review, 16 September, 1983, pp.17.

BULEY, R.C. The Equitable Life Assurance Society of the United States. Appleton – Century Crofts, New York, 1967.

CACY, J. A. “Commercial Bank Loans and the Money Supply”. Federal Reserve Bank of Kansas City Monthly Review, November, 1976, pp.3–10.

CAROSSO, V.P. Investment Banking in America: A History. Harvard University Press, Cambridge, 1970.

CHASE, S.B. Jr. “The Lock-in Effect: Bank Reactions to Securities Losses”. Federal Reserve Bank of Kansas City Monthly Review, 1960, pp.9–16.

CLAYTON, G. “Banks and Other Financial Institutions in the Modern Economy”. Journal of the Institute of Bankers, vol. 85, Part 4, 1964, pp.313–324.

COCHEO, S. “Which New Services are For Your Bank?”. America Bankers' Association Banking Journal, vol. 75, No. 5, 1983, pp.228–232.

COSTELLO, J. “Banks Use Parallel Promotions”. Australian Financial Review, 13 September 1983, p.16.

CROUCH, R.L. “The Genesis of Bank Deposits: new English Version”. Bulletin of the Oxford University Institute of Economics and Statistics, August 1965, pp.185–199.

DAVIES, G. “Time for Building Societies to Become Banks”. Bankers' Magazine, vol. 226, No. 1665, 1982, pp.11–12.

DAVIS, K. “Thrift Institutions in Australia”. Paper presented to the 12th Conference of Economists, Hobart, 28 August–1 September 1983.

DIXON-CHILDE, S. “The Future”. Banker, vol. 117, 1967, pp.514–517.

DUNHAM, C.R. “The Growth of Money Market Funds”. New England Economic Review, September/October 1980, pp.20–34.

ETTIN, E.C. “The Development of American Financial Intermediaries”. Quarterly Review of Economics and Business, vol. 7, No. 1, 1963, pp.51–69.

ETTIN, E.C. “A Note on the Growth of Nonbank Financial Intermediaries and Interest Rate Determination”. Quarterly Journal of Economics, vol. 78, 1964, pp.649–652.

FAMA, E. “Financial Intermediation and Price Level Control”. Journal of Monetary Economics, vol. 12, 1983, pp.7–28.

FEDERAL RESERVE BANK OF KANSAS CITY. “Banking Structure and Reactions to Monetary Stringency or Ease”. Federal Reserve Bank of Kansas City Monthly Review, March/April 1963, pp.9–15.

FEDERAL RESERVE BANK OF MINNEAPOLIS. “Are Banks Special?” Annual Report of the Federal Reserve Bank of Minneapolis, 1982.

FIELD, P. “Is Australia Ready for Foreign Banks?”. Euromoney, June 1981, pp.65–82.

FLEMINGS, S. “US Banks Prepare for Interest-Bearing Current Accounts”. Banker, vol. 128, No. 633, 1978, pp.33–34.

FLEMINGS, S. “The Phenomenal Growth of US Money Market Mutual Funds”. Banker, vol. 130, Nos. 651–652, 1980, pp.61, 63.

FRAZER, P. and D. VITTAS. “The Forces of Change in Retail Banking”. The World of Banking, vol. 1, No. 4, July-August 1983, pp.17–20.

FRAZER, P. and D. VITTAS. The Retail Banking Revolution: An International Perspective. Safety Publications, London, 1982.

FREEDMAN, C. “A Model of the Eurodollar Market”, Journal of Monetary Economics, vol. 3, No.2, 1977, pp.139–161.

FREEDMAN, C. “Micro-Theory of International Financial Intermediation”. American Economic Review, vol. 77, 1977, pp.172–179.

FRIEDMAN, B. “Postwar Changes in the American Financial Markets”. In M. Feldstein (ed.), The American Economy in Transition, University of Chicago Press, Chicago, 1980.

GERMAN, C. “Towards Integrated Cash Management”. The Treasurer, vol. 3, 1981, pp.25–26.

GILBERT, R.A. and J.M. LOVATI. “Disintermediation: an Old Disorder with a New Remedy”. Federal Reserve Bank of St Louis Review, January 1979, pp.10–15.

GILLIN, E.F. “The Future for Banking”. Trends, April 1976, pp.1–5.

GREENE, M. “Payments Systems – a Transatlantic Convergence”. Banker, vol. 128, No. 631, 1978, pp.43–47.

GRIFFIN, G. “Financial Innovations and Industrial Relations: Some Recent Developments in the Banking Industry”. Paper presented to the Conference on Financial Innovations in the Australian Financial System, Melbourne, 8 March 1984.

GUINEY, F.D. “Money Supply and the Australian Trading Banks, 1927–39”. Australian Economic History Review, vol. 9, No. 1, 1971, pp.147–166.

HANDA, J. “An Empirical Study of Financial Intermediation in Canada”. Journal of Financial and Quantitative Analysis, vol. 6, pp.583–600.

HEWSON, J. Liquidity Creation and Distribution in the Eurocurrency Markets. Lexington Books, Lexington, 1975.

HINDLE, R. “Bank Systems – System Philosophy”. Bankers' Magazine, vol. 210, No. 1518, 1970, pp.109–113.

HINDLE, R. “Bank Systems – Progress Report”. Bankers' Magazine, vol. 210, No. 1519, 1970, pp.157–165.

HINDLE, R. “Bank Systems – Looking Ahead”. Bankers' Magazine, vol. 210, No. 1520, 1970, pp.214–218.

HINDLE, T. “The Customer Comes First”. Banker, vol. 130, No. 649, 1980, pp.89–93.

HORVITZ, P. and B. SHULL. “The Impact of Branch Banking on Bank Performance”. National Banking Review, vol. 2, No. 1, 1964, pp.143–188.

HUTSON, T.G. “The Banker and the Factor”. Bankers' Magazine, vol. 195, No. 1426, 1983, pp.1–4.

JAMES, J.A. “The Development of the National Money Market”. Journal of Economic History, vol. 36, No.4, 1976, pp.878–897.

JEKER, R.A. “Salient Trends in International Banking”. Credit Suisse Bulletin, vol. 89, 1983, pp.2–4.

JONES, D. “Leading the World in Cash Management Systems”. Banking World, vol. 1, No. 2, 1983, pp.40–41.

KING, W.T.C. “Should the Banks Bid For Deposits?”. Banker, vol. 112, 1962, pp.761–772.

KROOSS, H. and M. BLYN. “The Evolution of U.S. Money and Capital Markets and Financial Intermediaries”. In M.E. Polakoff, (ed.), Financial Institutions and Markets. Houghton Mifflin, Boston, 1970, pp.62–82.

KROOSS, H. and M. BLYN. A Short History of Financial Intermediaries. Random House, New York, 1971.

LAUB, P.M. and C.F. HOFFMAN. “The Structure of the Financial Services Industry”. Contemporary Policy Issues No. 2. 1982 Western Economic Association Conference, January 1983, pp.1–17.

LINTNER, J. Mutual Sayings Banks in the Savings and Mortgage Markets. Graduate School of Business, Cambridge, Harvard University, 1948.

LITTLE, J. Eurodollars. Harper Row, New York, 1975.

LIVINGSTONE, D.A. “Today's Developments: Tomorrow's Opportunities”. Jassa, No. 3. pp.11.14. Presented at a Money Market Conference, Sydney, 1980.

LLOYD, S.R. “The New Battle for Europe”. Banker, vol. 130, 1980, pp.17–20.

LOMAX, D.F. “The Effect of Surplus Currency Deposits on the Commercial Banking System”. National Westminister Bank Quarterly Review, February 1980, pp.2–17.

LOVE, D. “Australia's Financial Structure – the Cold Winds of Change”. Australian Association of Permanent Building Societies National Newsletter, vol. 1, No. 9, 1974, pp.1–4.

LYNGE, M.J. and J.K. ZUMWALT. “An Empirical Study of the Interest Rate Sensitivity of Commercial Bank Returns: a Multi-Index Approach”. Journal of Financial and Quantitative Analysis, vol. 5, 1980, pp.731–742.

MACLEOD, J.D.S. “Australian Money Markets Expand”. Bankers' Magazine, vol. 114, No. 461, 1964, pp.397–403.

MAKIN, J.H. “Eurocurrencies and the Evolution of the International Monetary System”. In C.H. Stem, J.H. Makin, D.F. Logue (eds.), Eurocurrencies and the International Monetary System. American Enterprise Institute, Washington, 1976, pp.357–362.

MANDELL, L. Credit Card Use in the United States. Institute for Social Research, University of Michigan, Michigan, 1972.

MANDERSON, C. “Automation in Foreign Exchange and Money Market Trading”. Banker, vol. 133, No. 687, 1983, pp.103–104.

McCULLOUGH, D. “Banking in the 1980's”. Bankers' Magazine of Australasia, vol. 93, No. 2, 1979, pp.69–70.

MEYERS, M. The New York Money Market: Vol. 1, Origins and Development. Columbia University Press, New York, 1959.

McKINNON, R.I. “The Eurocurrency Market”. Essays in International Finance. Princeton University Press, no. 125, 1967.

MORRIS, J. “Short Term Money Market”. Chartered Secretary, November/December 1967, pp.276–278, 281.

MORRIS, J. and H. QUALLS. “The Australian Short Term Money Market”. Chartered Secretary, May/June 1971, pp.137–142.

MORRISON, G.R. and R.T. SELDON. Time Deposit Growth and the Employment of Bank Funds. Association of Reserve City Bankers, Chicago, 1965.

NAITO, T. “Firm Banking in Japan”. Oriental Economics, vol. 51, 1983, pp.20–23.

NIEHANS, J. and J. HEWSON. “The Eurodollar Market and Monetary Theory”. Journal of Money, Credit and Banking, vol. 7, 1976, pp.1–27.

NORTHCOTT, J.H. “Official Short Term Money Market in Australia”. Australian Accountant, vol. 50, No. 7, 1980, pp.480–482.

O'BRIEN, L.K. “The Future Development of Financial Institutions”. Bank of England Quarterly Bulletin, vol. 12, No. 3, 1972, pp.364–369.

O'SHEA, D. “The Secondary Banks”. Banker, vol. 122, May 1972, pp.651–657.

PARK, R. “Herr Richter takes on the Big Boys”. Bankers' Magazine, vol. 224, No. 1638, 1980, pp.15–19.

PHILLIPS, K.M. “Effects of Recent Changes in the Official Short Term Money Market”. Bankers' Magazine of Australasia, vol. 82, 1969, pp.407–415.

PILCHER, R.A. “Banks and Factors, Partners in Finance?”. Banker, vol. 119, 1968, pp.147–151.

PRINGLE, R. “Why American Banks Go Overseas”. Banker, vol. 116, No. 489, 1966, pp.770–785.

PRITCHARD, L.J. “Commercial Banks and Financial Intermediaries – A Comment”. Journal of Political Economy, vol. 68, 1960, pp.518–522.

PROCHOW and PROCHOW. (eds.), Changing World of Banking. Harper and Row, New York, 1974.

READ, C.N. “Coping with Change”. Bankers' Magazine of Australasia, vol. 95, No. 2, 1981, pp.51–56.

RICH, G. “A Theoretical and Empirical Analysis of the Eurodollar Market”. Journal of Money, Credit and Banking, vol. 4, 1972, pp.616–635.

ROBERTSON, J. and D. PERETZ. “The Financial Framework: Pressures for Reform”. Banker, vol. 120, No. 537, 1970, pp.1189–1197.

ROBINSON, D. “IT and Banking Systems”. Journal of the Institute of Bankers, vol. 103, Part 3, 1982, pp.77–79.

RYDGE'S. “The Money Market: A Special Study of the Money Market, Leasing, Corporate Finance and Banking”. Rydge's, vol. 51, No. 2, 1978, pp.95–126.

SAMUELSON, P.A. “The Effect of Interest Rate Increases on the Banking System”. American Economic Review, vol. 35, 1945, pp.16–27.

SAUNDERS, P. “American Banks in London's Eurodollar Market”. National Banking Review, vol. 4, No. 2, 1966, pp.21–28.

SCHAFER, N.E. “The Australian Money Market in the 1980's”. Australian Stock Exchange Journal, vol. 10, No. 4, 1981, pp.18–19.

SCHREYER, W.A. “Future of the Financial Services Industry”. Financial Analysts Journal, vol. 38, No. 4, 1982, pp.51–54.

SHICK, B.C. and E.B. COX. “Who is in Charge of the Payment System”. American Bankers' Association Banking Journal, vol. 75, No. 10, 1983, pp.62, 65, 67.

SILBERMAN, I.H. “Economic Efficiency and Financial Reform: Commercial Banks”. M.E. Polakoff (ed.), Financial Institutions and Markets. Houghton Mifflin, Boston, 1970.

SINCLAIR, H.K. “Issues in the Payments System”. Canadian Banker and ICB Review, vol. 89, No. 5, 1982, pp.10–15.

SLADE, C.O.G. “The Development of Payments Mechanisms in Foreign Countries”. Canadian Banker, vol. 78, No. 8, 1971, pp.37–40.

SMART, P.E. “Near-Banking: A Survey, So What is a Bank?”. Banker, vol. 122, 1972, pp.639–642.

SMITH, L.B. “On the Economic Implications of the Yield Ceiling on Government Insured Mortgages”. Canadian Journal of Economics and Political Science, vol. 33, 1967, pp.420–431.

SMITH, P.F. “The Concepts of Money and Commercial Banks”. Journal of Finance, vol. 21, 1966, pp.635–648.

SMITH, W. “Financial Intermediaries and Monetary Controls”. Quarterly Journal of Economics, vol. 73, 1959, pp.533–553.

STONE, R.W. “The Changing Structure of the Money Market”. Journal of Finance, vol. 20, No. 2, 1965, pp.229–246.

SYNTEC, “Trading Banks Exploit Weakness in Merchant Bank System”. Insurance and Banking Record, No. 38, 1975, pp.627–628.

TECK, A. Mutual Savings Banks and Savings and Loan Associations: Aspects of Growth. Columbia University Press, New York, 1968.

TSUNG, S. “Current Issues in Banking and Finance”. Bankers' Magazine of Australasia, vol. 94, No. 1, 1980, pp.18–19.

TSUNG, S. and H. HO. “The Unofficial Short Term Money Market in Australia”. Bankers' Magazine of Australasia, vol. 91, No. 1, 1977, pp.20–27.

i) Regulation

ADELMAN, M.A. “Comment on Major Issues in the Regulation of Financial Institutions”. Journal of Political Economy, vol. 75, 1967, pp.501–504.

ALHADEFF, D.A. “The Abolition of Minimum Loan Rates in French Banking”. Banca Nazionale del Lavoro Quarterly Review, vol. 20, 1967, pp.234–257.

ALHADEFF, D.A. Competition and Controls in Banking. A Study of the Regulation of Bank Competition in Italy, France and England. University of California Press, Berkeley, 1968.

ALHADEFF, D.A. “A Reconsideration of Restrictions on Bank Entry”. Quarterly Journal of Economics, vol. 66, 1962, pp.246–263.

ALHADEFF, D.A. “Credit Controls and Financial Intermediaries”. American Economic Review, vol. 50, No. 4, 1960, pp.655–671.

ANZ BANK LTD. “Taxation and the Growth of Financial Institutions”. Bankers' Magazine of Australasia, vol. 83, 1970, pp.291–293.

BELL, F.W. and N.B. MURPHY. “Costs in Commercial Banking: A Quantitative Analysis of Bank Behaviour and its Relation to Bank Regulation”. (Research Report No. 41), Federal Reserve Bank of Boston, Boston, 1968.

BELL, D.J. and D.A. WALKER. “Effects of Regulators and Electronic Banking Machines on Bank Operating Characteristics”. Presented at the Third World Congress of the Econometric Society, Toronto, August 1975.

BENSTON, G.J. “An Analysis and Evaluation of Alternative Reserve Requirement Plans”. Journal of Finance, vol. 24, 1969.

BLACK, F., M.M. MILLER and R.A. POSNER. “An Approach to the Regulation of Bank Holding Companies”. Journal of Business, vol. 51, No. 3, 1978, pp.379–412.

BLITZ, R.C. and M.F. LONG. “The Economics of Usury Regulation”. Journal of Political Economy, vol. 73, 1965, pp.608–619.

BUSER, S.A., A.H. CHEN and E.J. KANE. “Federal Deposit Insurance, Regulatory Policy and Optimal Bank Capital”. Journal of Finance, vol. 36, No. 1, 1981, pp.51–60.

CAPEL COURT CORPORATION. “The Consequences of Deregulation”. Capel Court Quarterly Survey. July, 1981, pp.3–14.

CARSON, D. “Financial Regulation and the Allocative Efficiency of Our Capital Markets”. National Bank Review, September, 1964, pp.55–63.

CHASE, S.B. “Financial Structure and Regulation: Some Knotty Problems”. Journal of Finance, vol. 26, 1971, pp.585–597.

CLOTFELTER, C. and C. LIEBERMAN. “On the Distributional Impact of Federal Interest Rate Restrictions”. Journal of Finance, vol. 33, 1978, pp.199–213.

COATS, W. Jr. and A. FRENKEL. “The Effects of Prohibiting Reserve Account Overdrafts”. (Research Papers in Banking and Financial Economics). Federal Reserve System, New York, 1980.

CONOUER, C.T. “Supervisory Implications of Innovation and Deregulation”. Paper presented to the Bank of England Conference on the Implications and Development in Monetary Systems. Bank of England. May 1983.

COOK, T.Q. and J.G. DUFFIELD. “Money Market Funds: A Reaction to Government Regulation or a Lasting Financial Innovation?”. Federal Reserve Bank of Richmond Economic Review, July/August 1979, pp.15–31.

COX, A.H. “Regulation of Interest on Deposits: an Historical Review”. Journal of Finance, vol. 22, 1967, pp.274–296.

DALE, R.S. “Prudential Regulation of Multinational Banking: The Problem Outlined”. National Westminster Bank Quarterly Review, February 1981, pp.14–24.

EDWARDS, L.N. “Measuring the Effectiveness of Regulation: The Case of Bank Entry Regulation”. Journal of Law and Economics, vol. 17, No. 2, 1974, pp.445–460.

FAND, D. “Financial Regulation and the Allocative Efficiency of our Capital Markets”. National Bank Review, September 1965, pp.55–63.

FEDERAL RESERVE BANK OF ST LOUIS. “Deposit Interest-Rate Regulations and Competition for Personal Funds”. Federal Reserve Bank of St Louis Review, November 1966, pp.17–20.

FEDERAL RESERVE SYSTEM. “Statement on Depository Institution Deregulation and the Monetary Control Act of 1980”. Federal Reserve Bulletin, vol. 66, No. 4, 1980, pp.319–320.

FRIEDMAN, B.M. “Regulation Q and the Commercial Loan Market in the 1960's”. Journal of Money, Credit and Banking, Vol 4, 1972, pp.227–296.

FRIEDMAN, M. “Controls on Interest Rates Paid by Banks”. Journal of Money, Credit and Banking, vol. 2, 1970, pp. 15–32.

GARDENER, E.P.M. “Capital Adequacy and Banking Supervision”. (Bangor Occasional Papers in Economics No. 19). University of Wales Press, Cardiff, 1981.

GIES, T. MAYER, T. and E. ETTIN. “Portfolio Regulations and Policies of Financial Intermediaries”. In Private Financial Institutions. Prentice-Hall, New York, 1963, pp.157–263.

GOLEMBIE, C.H. “The Future Shape of Banking Regulation”. Journal of Finance, vol. 26, May, 1971, pp.599–604.

GOUDZWAARD, M.B. “Price Ceilings and Credit Rationing”. Journal of Finance, vol. 21, 1968, pp.177–185.

GREER, D.F. “Rate Ceilings, Market Structure, and the Supply of Finance Company Personal Loans”. Journal of Finance, vol. 29, 1974, pp.1363–1382.

GUENTHER, H.P. “Deregulation, Is It Happening In Banking?”. Regulation, vol. 4, No. 6, 1980, pp.42–49.

HENDERSHOTT, P.M. “Deregulation and the Capital Markets: the Impact of Deposit Rate Ceilings and Restrictions against Variable Rate Mortgages”. In L.G. Goldberg and L.J. White (eds.). The Deregulation of the Banking and Securities Industries. Lexington, Mass, 1979.

HUNT, R.O. The Report of the President's Commission on Financial Structure and Regulation. U.S. Government Printing Office. Washington, December 1977.

KALISH, L. and R.A. GILBERT. “The Influence of Bank Regulation on the Operating Efficiency of Commercial Banks”. Journal of Finance, vol. 28, 1973, pp.1287–1301.

KAREKEN, J.H. and N. WALLACE. “Deposit Insurance and Bank Regulation of Banking Holding Companies”. Journal of Business, vol. 51, No. 3, 1978, pp.413–438.

KAUFMAN, G.G. “A Proposal for Eliminating Interest-Rate Ceilings on Thrift Institutions, A comment”. Journal of Money, Credit and Banking, vol. 27, 1972, pp.735–743.

KENNETT, W. “International Banking: The Challenge for Supervisory Authorities”. Bank of Canada Review, October 1980, pp.3–20.

KOEHN, M. and A.M. SANTOMERO. “Regulation of Bank Capital and Portfolio Risk”. (Working Paper No.15–77). R.L. White Centre for Financial Research, University of Pennsylvania, Pennsylvania, 1977.

KOSKELA, E. “On Disequilibrium Effects of Interest Rate Controls in a Monopolistic Banking System”. Scandinavian Journal of Economics, vol. 81, No. 1, 1979, pp.1–17.

KREPS, C.H. and R.F. WACHT. “A More Constructive Role for Deposit Insurance”, Journal of Finance, vol. 26, 1971, pp.605–613.

LAWRENCE, E.C. and G.E. ELLIEHAUSEN. “The Impact of Federal Interest Rate Regulations on the Small Saver; Further Evidence”. Journal of Finance, vol. 36, No. 3, 1981, pp.677–684.

LEAVITT, B.C. Statement (on the adequacy of the Regulatory Functions of the Federal Reserve System), before the Commerce, Consumer and Monetary Affairs Subcommittee … U.S. House of Representatives. Federal Reserve Bulletin, 3 February 1976, pp.125–129.

LINDSEY, D.E. “The Implications for Removing the Demand Deposit Rate Prohibition for Monetary Control and the Conduct of Monetary Policy”. (FRB Special Studies Paper No. 104). Washington, September 1977.

LINKE, CM. “The Evolution of Interest Rate Regulation on Commercial Bank Deposits in the U.S.”. National Banking Review, vol. 3, 1966, pp.449–469.

MARTY, A.L. “Comment on Major Issues in the Regulation of Financial Institutions”. Journal of Political Economy, vol. 75, 1967, pp.505–507.

MELTZER, A.H. “Major Issues in the Regulation of Financial Institutions”. Journal of Political Economy, vol. 75, 1967, pp.482–501.

MERTON, R.C. “On the Cost of Deposit Insurance When There are Surveillance Costs”. Journal of Business, vol. 51, No. 3, 1978, pp.439–452.

MIDLAND BANK. “Monetary Policy and Regulations Imposed on Listed Banks”. Midland Bank Review, Summer 1979, pp.15–19.

NATIONAL BANK. “De-Regulation and the Savings Bank”. National Bank Monthly Summary, June 1980, pp.3–4, 16.

PELTZMAN, S. “Bank Entry Regulation: It's Impact and Purpose”. National Banking Review, vol. 3, No. 2, 1965, pp.163–178.

PETTWAN, R.H. “Potential Insolvency, Market Efficiency and Bank Regulation of Large Commercial Banks” Journal of Financial and Quantitative Analysis, vol. 15, No. 1, 1980, pp.219–236.

POSNER, R.A. “Taxation by Regulation”. Bell Journal of Economics and Management Science, No. 2, 1971, pp. 22–50.

PYLE, D.H. “The Losses on Savings Deposits from Interest Rate Regulation”. Bell Journal of Economics and Management Science, vol. 5, No. 2, 1974, pp.614–622.

RASCHE, R.H. “Regulation Q and the Current Problems of Savings and Loan Associations: A comment”. Carnegie-Rochester Conference Series on Public Policy, vol. 4, 1976, pp.247–250.

SANTOMERO, A.M. and J.J. SIEGEL. “Bank Regulation and Macro-economic Stability”. American Economic Review, vol. 71, No. 1, 1981, pp.39–53.

SUZUKI, Y. “Interest Rate Decontrol, Financial Innovation, and the Effectiveness of Monetary Policy”. Bank of Japan Monetary and Economic Studies, vol. 1, No. 1, 1983, pp.1–30.

SWARY, I. “The Impact of Bank Regulation on Capital Size in Various Countries”. Bank of Israel, Jerusalem, 1978.

TAYLOR, D.W. “The Cost of Monetary Controls”. Bankers' Magazine of Australasia, vol. 90, No. 5, 1976, pp.173–177.

TOBIN, J. “Comment on Major Issues in the Regulation of Financial Institutions”. Journal of Political Economy, vol. 75, 1967, pp.508–509.

TUCCILLO, J. “Taxation by Regulation: the Case of Financial Intermediaries”. The Bell Journal of Economics, vol. 8, No. 2, 1977, pp.577–587.

WALKER, C.E. “Comment on Major Issues in the Regulation of Financial Institutions”. Journal of Political Economy, vol. 75, 1967, pp.509–511.

WITHERS, G.A. “Efficiency Gains for Bank-Deregulation”. Australian Economic Review, No. 1, 1981, pp.35–39.

ii) Competition

ARROW, J. and F.H. HAHN. General Competitive Analysis. Holden – Day, San Francisco, 1971.

BANK OF ENGLAND. “Competition and Credit Control”, Bank of England Quarterly Bulletin, vol. 11, No. 2, 1971, pp.189–193. Text of consultative document issued on 14 May as a basis for discussion with banks and finance houses.

BANNER, P.H. “Competition, Credit Policies and the Captive Finance Company”. Quarterly Journal of Economics, vol. 72, No.2, 1958, pp.241–258.

BRUCHER, E. “A Micro Economic Approach to Banking Competition”. Journal of Finance, vol. 25, 1970, pp.1133–1141.

CAUBOUE, P. “Competition Among Banks in France and the Fixing of Their Rates”. Banca Nazionale del Lavoro Quarterly Review, vol. 8, 1955, pp.86–98.

CHRISTOPHE, C.A. Competition in Financial Services. First National City Corporation, New York, 1974.

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