NATIONAL BUREAU OF ECONOMIC RESEARCH
NATIONAL BUREAU OF ECONOMIC RESEARCH

Risk Bearing, Implicit Financial Services and Specialization in the Financial Industry

J. Christina Wang, Susanto Basu

NBER Working Paper No. 14614
Issued in December 2008

---- Acknowledgements -----

The authors thank John Fernald, Dennis Fixler, Peter Fortune, Robert Inklaar, Marshall Reinsdorf and Paul Schreyer for their comments and suggestions. The opinions expressed here are those of the authors, and do not necessarily represent those of the Federal Reserve System or the National Bureau of Economic Research.

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