Economic Journal, Vol. 106, No. 436, May 1996, pp. 679-687. [Reprinted as chapter 15 in M. J. B. Hall (ed.) The Regulation and Supervision of Banks, Volume 1: The Case for and Against Banking Regulation. Cheltenham: Edward Elgar, 2001.]

Review of Austrian Economics 9 (September 1996): 83-107.

Journal of Money, Credit and Banking 28 (4), 1996, 637-649

Journal of Macroeconomics 17 (4), 1995, 733-740.

1995.

Journal of Money, Credit and Banking 26 (4), 1994, 808-826

Journal of Money, Credit, and Banking, Vol. 26, No. 2, May 1994, pp. 289-308. [Reprinted as chapter 14 in M. J. B. Hall (ed.) The Regulation and Supervision of Banks, Volume 1: The Case for and Against Banking Regulation. Cheltenham: Edward Elgar, 2001.

The Economic Journal 104 (427), 1994, 1449-1459

Journal of Economic Literature 32 (December 1994): 1718-49.

Critical Review 7 (2-3), 1993, 335-354.