01—（已获助，感谢cqwlw、wp1985 ）Allen N. Berger and David B. Humphrey（1997）：Efficiency of financial institutions: International survey and directions for future research，European Journal of Operational Research，Volume 98, Issue 2, 16 April 1997，Pages 175-212
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02—Boatsman, J.R., Williams, T.H., Wilson, D.A. (1976), "A study of the constructs underlying selected accounting measures of risk", Graduate School of Business Administration, Harvard University, Cambridge, MA, Working Paper HBS 76-30, .
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03—Das, A. (1999)：Profitability of public sector banks: a decomposition model，Reserve Bank of India，Occasional Papers，Vol. 20 No.1, pp.55-77.
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04—（已获助，感谢cqwlw）Leightner, J.E., Lovell, C.A.K. (1998)：The impact of financial liberalization on the performance of Thai banks，Journal of Economics and Business，Vol. 50 No.2, pp.115-31.
       链接：http://www.sciencedirect.com/science?_ob=ArticleURL&_udi=B6V7T-3WPP8Y4-3&_user=1962347&_rdoc=1&_fmt=&_orig=search&_sort=d&_docanchor=&view=c&_searchStrId=1089511653&_rerunOrigin=scholar.google&_acct=C000055629&_version=1&_urlVersion=0&_userid=1962347&md5=036ed7bf0ffea844f1de23ed9f8b52b2

05—Merton, R.C. (1989)：On the application of the continuous – time theory of finance to financial intermediation and insurance，Geneva Papers on Risk and Insurance Theory, Vol. 14 No.52, pp.225-61.
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06—Ou, J.A., Penman, S.H. (1989)：Financial statement analysis and the prediction of stock returns，Journal of Accounting and Economics, Vol. 11 No.4, pp.295-329.
        链接：http://www.sciencedirect.com/science/article/B6V87-46KC3N8-2/2/a633e3e82181ef769aeb7013def240ef

07—（已获助，感谢cqwlw）cqwlwPagano, M.S. (2001), "How theories of financial intermediation and corporate risk-management influence bank risk-taking behavior", Financial Markets, Institutions and Instruments, Vol. 10 No.5, pp.277-323.
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