@article{Niinim�ki2001,
	title = {Intertemporal diversification in financial intermediation},
	author = {J. P. Niinim{\"a}ki},
	journal = {Journal of Banking \& Finance},
	month = {May},
	number = {5},
	pages = {965--991},
	url = {http://www.sciencedirect.com/science/article/B6VCY-42R0TSC-6/1/4ee42245416091abdbb54bb08844b341},
	volume = {25},
	year = {2001},
	biburl = {http://www.bibsonomy.org/bibtex/2080dc626450a86a89e50f0f354230983/smicha},
	description = {Journal of Banking & Finance},
	keywords = {Financial intermediaries }
}