000 nam a22 4500
999 _c193886
_d193886
003 OSt
005 20210318114715.0
008 171123b xxu||||| |||| 00| 0 eng d
022 _a03784266
040 _cCUS
245 _aJournal of Banking and Finance
260 _bElseiver
_c2013
300 _aVol.
942 _2ddc
_cBJ21