@article{Valverde2003,
	title = {Bank deregulation is better than mergers},
	author = {S. Carb{\'o} Valverde and David B. Humphrey and F. Rodr{\'i}guez Fern{\'a}ndez},
	journal = {Journal of International Financial Markets, Institutions and Money},
	month = {Dec},
	number = {5},
	pages = {429--449},
	url = {http://www.sciencedirect.com/science/article/B6VGT-48S4V8G-1/1/e78eccd0cf9c616093cb4a2786ad9f22},
	volume = {13},
	year = {2003},
	biburl = {http://www.bibsonomy.org/bibtex/20741410c5cf5246b5fc88175b68fb32a/smicha},
	keywords = {Bank mergers }
}