Jayaratne, Jith and Strahan, Philip E. (Philip Elliot), 1963-. "Entry Restrictions, Industry Evolution and Dynamic Efficiency : Evidence from Commercial Banking, Research Paper 9630," Research Papers (Federal Reserve Bank of New York) (August 1996). https://fraser.stlouisfed.org/title/6570/item/615545, accessed on May 11, 2025.
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