ence from a Degree of Leverage Model[R].Working Paper. Federal Reserve Bank of Chicago Research Department,1999: 99-106 [20] Smith R and Wood G. Non-Interest e and Total e Stability, Working Paper[D]. Bank of England, 2003. [21] Stiroh, K. J., 2006. A Portfolio View of Banking with Interest and Noninterest Activities [J] . Jounal of Money, Credit, and Banking , 2006 , 38: 1351-1361. [22] LEPETIT L. Bank e structure and risk : an empirical analysis of European banks[J].Journal of Banking and Finance, 2007 , 31( 1): 1- 21. [23] Calmes and Ying Liu Financial structure change and banking e:A Canada-U.parison [J].Journal of Intemational Finaneial Markets Volume19 Issuel February2009 : 128 - 139 6 六、指导教师审核意见指导教师签字: 年月日七、答辩小组评议意见: 答辩小组组长签字: 年月日八、系领导审核意见 1.通过; 2.完善后通过; 3.未通过系领导签字: ____________ 年月日