微观银行经济学？freixas
银行的职能
。流动性和支付手段~减少交易成本，跨期消费，lpss leader, monitoring firms
。转换资产~size small deposits to large loans, maturity short depo to long loan. quality trans asymetric information
。managing risk. credit risk, interest rate risk, liquidity risk.
。monitoring firms and information processing