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Demirgüç-Kunt, Asli, Luc Laeven, and Ross Levine. "Regulations, Market Structure, Institutions, and the Cost of Financial Intermediation." Journal of Money, Credit and Banking 36(3): 593-622, June 2004 citation courtesy of

Asli Demirgüç-Kunt & Luc Laeven & Ross Levine, 2004. "Regulations, market structure, institutions, and the cost of financial intermediation," Proceedings, Federal Reserve Bank of Cleveland, pages 593-626. citation courtesy of

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