Demsetz, Rebecca S. , Saidenberg, Marc R. (Marc Robert) and Strahan, Philip E. (Philip Elliot), 1963-. "Agency Problems and Risk Taking at Banks, Research Paper no. 9709," Research Papers (Federal Reserve Bank of New York) (March 1997). https://fraser.stlouisfed.org/title/6570/item/615561, accessed on November 6, 2025.