○  中国农村金融机构多元化及其研究对策思想宣传  ○

　　3.federalreservebankofnewyork，currentissuesineconomicsandfinance，june1995.

　　4.goldberg，lawrenceandlawrencej.white.1997.denovobanksandlendingtosmallbusinesses：anexploratoryanalysis.may.

　　5.shull，bernad，1999，theseparationofbankingandcommerceintheunitedstates：anexaminationofprincipleissues.in：financialmarkets，institutionsinstruments，may，1999，p1-55.
   

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