Submitted on: 16 May 2001.
Revised on: 30 July 2001.
Accepted on: 16 August 2001.
___________________Financial Innovation---SPRINGER
Submitted on: 10 March 2014.
Revised on: 22 May 2014.
Accepted on: 07 June 2014.
___________________Financial Innovation---SPRINGER
http://reply.papertrans.cn/1/98/9773/9773-33.png
Submitted on: 02 November 2015.
Revised on: 13 December 2015.
Accepted on: 22 January 2016.
___________________Financial Innovation---SPRINGER
Submitted on: 12 February 2013.
Revised on: 17 March 2013.
Accepted on: 09 April 2013.
___________________Financial Innovation---SPRINGER
Submitted on: 17 September 2011.
Revised on: 23 October 2011.
Accepted on: 17 November 2011.
___________________Financial Innovation---SPRINGER