NATIONAL BUREAU OF ECONOMIC RESEARCH
NATIONAL BUREAU OF ECONOMIC RESEARCH

Customers and Investors: A Framework for Understanding Financial Institutions

Robert C. Merton, Richard T. Thakor

NBER Working Paper No. 21258
Issued in June 2015

---- Acknowledgements ----

We thank Doug Diamond and Stavros Zenios for helpful comments. The views expressed herein are those of the authors and do not necessarily reflect the views of the National Bureau of Economic Research. Robert C. Merton is Resident Scientist at Dimensional Holdings, Inc. He has at various times in the last three years made compensated presentations at meetings hosted by various financial and government institutions.

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