① Claessens, S., Horen, N. V., “Foreign Banks: Trends and Impact”, Journal of Money, Credit and Banking, Vol.46, 2014, pp.295-326. ② Goldberg, L.G., Saunders, A., “The Determinants of Foreign Banking in the United States”, Journal of Banking and Finance, Vol.5, 1981, pp.17-32. ③ Levine R., “Foreign Banks, Financial Development, and Economic Growth”, Journal of Economic Literature, Vol.35, 1996, pp.224-240. ④ Demirgü-Kunt, A., Huizinga, H., “Market Discipline and Deposit Insurance”, Journal of Monetary Economics, Vol.51, 2005, pp.375-399. ⑤ Claessens, S., Horen, N. V., “Being a Foreigner among Domestic Banks: Asset or Liability?”, Journal of Banking and Finance, Vol.36, 2012, pp.1276-1290. ⑥ Deyoung, R., Nolle, D. E., “Foreign-Owned Banks in the U.S.: Earning Market Share or Buying It?”, Journal of Money Credit and Banking, Vol.28, 2010, pp. 622-636.