參考文獻
沈中華 (2001)，銀行的異業合併－互補性與文化差異，貨幣市場雙月刊，5(3)，頁 15-28。
沈中華與張雲翔 (2001)，歐系綜合銀行與美系分業銀行何者較能增加銀行績效？-由46國資料比較分析，台灣金融財務季刊，第二輯第二期，85-95.
沈中華 (2002)，金控公司的銀行與獨立銀行CAMEL比較：1997-1998，台灣金融財務季刊，第三輯第二期，73-94.
沈中華與張雲翔 (2002)，金融機構跨業經營及轉投資之利潤與風險：全球實證分析，中央研究院經濟研究所經濟論文，第三十卷第三期，277-310.
沈中華 (2003), 非利息收入過低的誤解, 經濟日報, 11月23日, 17版.
Aggeler, H. T. and R. Feldman (1998), Record Bank Profitability: How, Who and What Does It Mean?, Federal Reserve Bank of Minneapolis, Fedgazette, April, Vol.10, No. 2.
Akhigbe, A and A. M. Whyte (2001), The Impact of FDICIA on Bank Returns and Risk: Evidence from the Capital Market, Journal of Banking and Finance 25, 393-417.
Akhigbe, A and J. E. McNulty (2003),The Profit Efficiency of Small US Commercial Banks, Journal of Banking and Finance 27, 307-325.
Altunbas, Y., M. H. Liu, P. Molyneux and R. Seth (2000), Efficiency and Risk in Japanese Banking, Journal of Banking and Finance 24, 1605-1628.
Amel, D., C. Barnes, F. Panetta and C. Salleo (2002), Consolidation and Efficiency in the Financial Sector: A Review of the International Evidence, Finance and Economics Discussion Series 2002-47.
Angbazo, L. (1997), Commercial Bank Net Interest Margins, Default Risk, Interest-rate Risk, and Off-balance Sheet Banking, Journal of Banking and Finance 21, 55-87.
Arnould, R. J. (1985), Agency Costs in Banking Firms: An Analysis of Expense Preference Behavior, Journal of Economics and Business 37, 103-112.
Bank Administration Institute and Boston Consulting Group (1999), Putting It Together : Convergence Strategies for Banking, Insurance, and Investments.
Barth, J.R., G. Caprio, and R. Levine (1999), Financial Regulation and Performamce: Cross-Country Evidence, The World Bank Working Paper No.2037.
Barth, J.R., G. Caprio, and R. Levine (2000), Banking Systems Around the Globe: Do Regulation and Ownership Affect Performance and Stability?, The World Bank Working Paper No.2325.
Berger, A.N. and L.J. Mester (1997), Inside the Black Box: What Explains Differences in the Efficiencies of Financial Institutions?, Journal of Banking and Finance, 21, 895-947.
Berger, A.N. and T. Hannan (1998), The Efficiency Cost of Market Power in the Banking Industry: A Test of the Quiet Life and Related Hypotheses, Review of Economics and Statistics 80, 454-465.
Bongini, P., G. Ferri, and T.S. Kang (1999), Financial Intermediary Distress in the Republic of Korea: Small is Beautiful? , the 8th Tor Vergata Conference, Financial Crises, Risk Management and Growth, Rome, 2-4.
Boyd, J.H. and S.L. Graham (1988), The Profitability and Risk Effects of Allowing Bank Holding Companies to Merge with Other Financial Firms: A Simulation Study, Quarterly Review, Federal Reserve Bank of Minneapolis, Vol. 12, No. 2 3-20.
Boyd, J.H., S.L. Graham and R.S. Hewitt (1993), Bank Holding Company Mergers with Nonbank Financial Firms: Effects on the Risk of Failure, Journal of Banking and Finance, Vol. 17, 43-63.
Clark, J.A. (1986), Market Structure, Risk and Profitability: The Quiet-Life Hypothesis Revisited, Quarterly Review Economics and Business 26, 45-56.
Cornett, M.M., E. Ors, and H. Tehranian (2002), Bank Performance Around the Introduction of a Section 20 Subsidiary, The Journal of Finance, Vol. LVII, No.1, 501-521.
Demirguc-Kunt, A. and R. Levine (1999), Bank-Based and Market-Based Financial System：Cross-Country Comparisons, The World Bank Working Paper No.2143.
DeYoung, R. and K. Roland (2001), Product Mix and Earnings Volatility at Commercial Bnks: Evidence From a Degree of Leverage Model, Journal of Financial Intermediation, Vol. 10, 54-84
DeYoung, R. and T. Rice (2004), Economic Perspectives Vol.28, lss. 4, 34-51
DeYoung, R. and W.C. Hunter (2001), Deregulation, the Internet, and the Competitive Viability of Large Banks and Community Banks, Federal Reserve Bank of Chicago Working Paper No.01-11.
Estrella, A. (2001), Mixing and Matching Prospective Financial Sector Mergers and Market Valuation, Journal of Banking and Finance 25, 2367-2392.
Feldman, R. (1999), Fedgazette, Minneapolis, Vol.11, lss.4, 20-21
Ferris, S. P., K. A. Kim and P. Kitsabunnarat (2003), The Costs (and Benefits?) of Diversified Business Groups: The Case of Korean Chaebols, Journal of Banking and Finance 27, 251-273.
Frankel, A.B. and J.D. Montgomery (1991), Financial Structure: An International Perspective, Brookings Papers on Economic Activity, 1:1991, 257-310.
Gilbert, R. A. (1984), Bank Market Structure and Competition: A Survey, Journal of Money, Credit, and Banking 16, 617-645.
Golin, J. (2001), The Bank Credit Analysis Handbook, John Wiley and Sons (Asia) Pte Ltd.
Hannan, T. H. (1999a), Bank Commercial Loan Markets and the Role of Market Structure: Evidence from Surveys of Commercial Lending, Journal of Banking and Finance 15, 133-149.
Hannan, T. H. (1999b), Foundations of the Structure-Conduct-Performance Paradigm in Banking, Journal of Money, Credit, and Banking 23, 68-84.
Hassan, M. K. (1992), An Empirical Analysis of Bank Standby Letters of Credit Risk, Reviews of Financial Economics 2, 31-44
Hassan, M. K. (1993), The Off-balance Sheet Banking Risk of Large U.S. Commercial Banks, The Quarterly Review of Economics and Finance 33, 51-69
Hassan, M. K. and W. H. Sackley (1994), A Methodological Investigation of Risk Exposure of Bank Off-balance Sheet Loan Commitment Activities, The Quarterly Review of Economics and Finance 34, 283–299
Hassan, M. K., G. V. Karel and M. O.Peterson (1994). Deposit Insurance, Market Discipline and Off-balance Sheet Banking Risk of Large U.S. Commercial Banks, Journal of Banking and Finance 18, 575–593
Hirschey, M. (1999), Managerial Equity Ownership and Bank Performance: Entrenchment or Size Effect?, Economics Letter 64, 209-213.
Ho, T.S.Y. and A. Saunder (1981), The Determinants of Bank Interest Margin: Theory and Empirical Evidence, JFQA, 16, 581-602
Koch, T. W. and S. S. Macdonald (2003), Bank Management, fifth edition, South-Western, a division of Thomson Learning.
Koppenhaver, G. D. and R. D. Stover(1994), Standby Letters of Credit and Bank Capital: Evidence of Market Discipline, Journal of Banking and Finance18, 553–573
Kroszner, R.S. and R.G. Rajan (1994), Is the Glass-Steagall Act Justified? A Study of the U.S. Experience with Universal Banking Before 1933, American Economic Review, Vol. 84, No. 4, 810-832.
Kwan, S.H. (1997), Securities Activities by Commercial Banking Firms’ Section 20 Subsidiaries: Risk, Return, and Diversification Benefits, Federal Reserve Bank of San Francisco Working Papers No.98-10.
Kwan, S.H. (1998), Risk and Return of Banks’ Section 20 Securities Affiliates, Federal Reserve Bank of San Francisco Economic Letter, 98-32.
La Porta, R., F. Lopez-de-Silanes, A. Shleifer, and R.W. Vishny (1998), Law and Finance, Journal of Political Economy, Vol. 106, No. 6, 1113-1155.
Levine, R. (2002), Bank-Based or Market-Based Financial Systems：Which is Better？, NBER Working Papers No.9138.
Lown, C.S., C.L. Osler, P.E. Strahan, and A. Sufi (2000), The Changing Landscape of the Financial Services Industry: What Lies Ahead?, Federal Reserve Bank of New York Economic Policy Review, Vol.6 No.4 39-54.
Mester, L. J., L. I. Nakamura and M. Renault (1998), Checking Accounts and Bank Monitoring, Federal Reserve Bank of Philadelphia Working paper No. 98-25.
Nakamura, L. (1993a), Commercial Bank Informance: Implications for the Structure of Banking, Structural Change in Banking, Business One-Irwin, Homewood, IL.
Nakamura, L. (1993b), Recent Research in Commercial Banking: Information and Lending, Financial Markets, Institutions and Instruments 2, 73-88.
Petersen, M. and R. Rajan (1995), The Effect of Credit Market Competition on Lending Relationships, Quarterly Journal of Economics 110, 407-443.
Puri, M. (1996), Commercial Banks in Investment Banking Conflict of Interest or Certification Role?, Journal of Financial Economics, No.40, 373-401.
Radecki, I. and J. Lawrence (1999), Banks’ Payments-driven Revenues, Federal Reserve Bank of New York Economic Policy Review, Vol. 5, No. 2, July, 53-69
Reynolds, S. E., S. Ratanakomut and J. Gander (2000), Bank Financial Structure in Pre-crisis East and Southeast Asia, Journal of Asia Economics 11, 319-331.
Rhoades, S. A. and R. D. Rutz (1982), Market Power and Firm Risk: A Test of the Quiet-life Hypothesis, Journal of Monetary Economics, 9, 73-85.
Rogers, K. and J. F. Sinkey Jr.(1999), Review of Financial Economics, Vol.8, lss.1, 25.
Rose P.S. (1989), Diversification of the Banking Firm, The Financial Review, 24(2), 251-280.
Rose, P. S. and S. C. Hudgins (2005), Bank Management and Financial Services, sixth edition, Boston:Mc Graw-Hill.
Rosen, R.J., P.R. Lloyd-Davies, M.L. Kwast, and D.B. Humphrey (1989), A Portfolio Analysis of Bank Investment in Real Estate, Journal of Banking and Finance, 13(3), 355-366.
Santomero, A. and D. Babbel (2001), Financial Markets, Instruments, and Institutions, second edition, Boston:McGraw-Hill
Saunders, A. and I. Walters (1994), Universal Banking in the United State: What Could We Gain? What Could We Lose?, New York, NY: Oxford University Press.
Shen, C. H. (2002), Credit Rationing for Bad Companies in Bad Years: Evidence from Bank Loan Transaction Data, International Journal of Finance and Economics, 7 (8), 261-278.
Sinkey, J.F. Jr. (1998), Commercial Bank Financial Management in the Financial-Services Industry, fifth edition, New Jersey:Prentice Hall.
Sinkey, J. F. and D. Carter (1994), The Derivatives Activities of U.S. Commercial Banks, Proceedings of the 30th Annual Conference on Bank Structure and Competition, 165–185.
Smith, R., C. Staikouras, and G. Wood (2003), Non-interest Income and Total Income Stability, Bank of England Working paper No.198.
Stiroh, K. (2002), Diversification in Banking, Is Non-interest Income the Answer?, Federal Reserve Bank of New York Staff Reports No.154.
Teece, D.J. (1980), Economies of Scope and the Scope of the Enterprise, Journal of Economic Behavior and Organization, 1, 223-247.
White, Eugene (1986), “Before the Glass-Steagall Act: An Analysis of the Investment Banking Activities of National Banks,” Explorations in Economic History, January 23 (1), 33-55.
Williams, B. (1998), Factors Affecting the Performance of Foreign-owned Banks in Australia: A Cross-sectional Study, Journal of Banking and Finance 22, 197-219.