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A comparative analysis of the US and EU retail banking markets - Wsbi

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Annex 3: Bibliography<br />

A<br />

- American Bankers Association <strong>and</strong> <strong>the</strong> Conference <strong>of</strong><br />

State Bank Supervisors “The benefits <strong>of</strong> charter choice –<br />

<strong>the</strong> dual <strong>banking</strong> system as a case study”, June 24, 2005<br />

- America’s Community Bankers (ACB), Policy Positions,<br />

2005<br />

- Avery R.B.<strong>and</strong> Samolyk K. “Bank Consolidation <strong>and</strong> <strong>the</strong><br />

Provision <strong>of</strong> Banking Services: The Case <strong>of</strong> Small<br />

Commercial Loans”, Working Paper 2000-01, Federal<br />

Deposit Insurance Corporation<br />

- Ayadi R. <strong>and</strong> Pujals G. “Banking Consolidation in <strong>the</strong> <strong>EU</strong>:<br />

Overviews <strong>and</strong> Prospects”, May 2004<br />

B<br />

- Banco de España “Boletín Estadístico”<br />

- Bassett, William F. <strong>and</strong> Thomas F. Brady, “The Economic<br />

Performance <strong>of</strong> Small Banks, 1985-2000”, November<br />

2001, Federal Reserve Bulletin<br />

- Berger A. <strong>and</strong> Udell “Small Business Credit Availability<br />

<strong>and</strong> Relationship Lending: The Importance <strong>of</strong> Bank<br />

Organisational Structure”, 2002, Economic Journal<br />

- Berger A., Goldberg L. G. <strong>and</strong> White L. J., “The Effects <strong>of</strong><br />

Dynamic Changes in Bank Competition on <strong>the</strong> Supply <strong>of</strong><br />

Small Business Credit”, 2001, European Finance Review<br />

C<br />

- Carnevali F. (Dr) “Europe's Advantage: Banks <strong>and</strong> Small<br />

Firms in Europe <strong>and</strong> Britain”<br />

- CEPS Research Report in Finance <strong>and</strong> Banking, No 34<br />

- CESR <strong>and</strong> <strong>the</strong> European Central Bank Report “St<strong>and</strong>ards<br />

for Securities Clearing <strong>and</strong> Settlement in <strong>the</strong> European<br />

Union”, September 2004 (CESR/04-561)<br />

- CESR “Recommendations for <strong>the</strong> consistent implementation<br />

<strong>of</strong> <strong>the</strong> European Commission’s Regulation on Prospectuses<br />

nº 809/2004”, February 2005<br />

- Colantuoni J.A. “Mutual to stock conversions, problems<br />

with <strong>the</strong> pricing <strong>of</strong> IPOs”, FDIC Banking Review<br />

- CSFI Study “Europe’s new banks – The “non-bank”<br />

phenomenon”, June 2000<br />

D<br />

- DeYoung R. <strong>and</strong> Duffy D., “The challenges facing community<br />

banks: in <strong>the</strong>ir own words”, 4Q 2002<br />

- De Young R., Hunter W. <strong>and</strong> Udell G. “The Past, Present,<br />

<strong>and</strong> Probable Future for Community Banks”, 2004<br />

- Deutsche Bank Research, “Transatlantic financial market<br />

integration: Ambition needed”, 29 November 2005<br />

E<br />

- The Economist “Trust me, I’m a banker: survey on<br />

international <strong>banking</strong>”, 15th April 2004<br />

- EIB Papers “SME Finance in Europe: introduction <strong>and</strong><br />

overview”, 2003, volume 8 n°2<br />

- European Central Bank (ECB) “Role <strong>of</strong> Central Banks in<br />

Prudential Supervision”, March 2001<br />

- European Central Bank (ECB) “Banking Integration in <strong>the</strong><br />

Euro Area”, December 2002<br />

- European Central Bank (ECB) “<strong>EU</strong> Banking Sector<br />

Stability”, February 2003<br />

- European Central Bank (ECB) Occasional Paper Series<br />

Nr.20, August 2004<br />

- European Central Bank (ECB) “Report on <strong>EU</strong> <strong>banking</strong><br />

structure”, November 2004<br />

- European Central Bank (ECB) “Blue Book Addendum<br />

incorporating 2003 figures”, August 2005<br />

- European Commission Staff Working Document<br />

“Cross-border consolidation in <strong>the</strong> <strong>EU</strong> financial sector”,<br />

September 2005<br />

- European Commission “Final report <strong>of</strong> <strong>the</strong> Committee <strong>of</strong><br />

wise men on <strong>the</strong> regulation <strong>of</strong> European securities<br />

<strong>markets</strong>”, 15 February 2001, Brussels<br />

- European Commission Staff Working Paper “Enterprises’<br />

access to finance”, October 2001<br />

- European Commission consultation document “Mutual<br />

societies in an enlarged Europe”, 3.10.2003<br />

- European Commission “Microcredit for small businesses <strong>and</strong><br />

business creation: bridging a market gap”, December 2003<br />

- European Commission, Forum Group on Mortgage<br />

Credit Report, “The integration <strong>of</strong> <strong>the</strong> <strong>EU</strong> mortgage<br />

credit <strong>markets</strong>”, 2004<br />

- European Credit Research Institute “Briefing on consumer<br />

credit, indebtedness <strong>and</strong> over indebtedness in <strong>the</strong> <strong>EU</strong>”,<br />

April 2003<br />

- European Financial Roundtable “EFR recommendations<br />

on regulation <strong>and</strong> supervision”, 28 Oct 2003<br />

- European Financial Roundtable “EFR report 'Towards a lead<br />

supervisor for cross border financial institutions in <strong>the</strong> <strong>EU</strong>'”,<br />

15 Jun 2004<br />

- European Financial Roundtable “Third EFR report on lead<br />

supervisor concept”, 29 Jun 2005<br />

- European Mortgage Federation, “Hypostat 2003: European<br />

Housing Finance Review”, September 2004<br />

- European Savings Banks Group “Perspectives 44: The<br />

Future Organisation <strong>of</strong> Financial Regulation <strong>and</strong> Supervision<br />

in <strong>the</strong> European Union - Position <strong>of</strong> <strong>the</strong> European Savings<br />

Banks Group”, August 2002<br />

- European Savings Banks Group study “The Future <strong>of</strong><br />

European Retail Banking Markets”, June 2003<br />

- European Savings Banks Group “Perspectives 48: The Legal<br />

Environment <strong>of</strong> <strong>the</strong> Savings Banks in Europe”, June 2005<br />

159

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