This text could never have been completed without the direct and indirect help and support of a wide range of individuals. First and foremost we must acknowledge the role of our students in helping to develop our course and lecture material, which has been a critical element in encouraging us to write this text. In addition, numerous discussions with fellow banking researchers and professionals have helped us greatly. We want to acknowledge the support of our home institutions: Cass Business School, City University London; Essex Business School, University of Essex; and Bangor Business School, Bangor University

如果没有广泛个人的直接和间接帮助和支持，这一文本永远不可能完成。首先，我们必须承认我们的学生在帮助发展我们的课程和讲义材料方面的作用，这是鼓励我们写这篇文章的一个关键因素。此外，与银行业研究人员和专业人士的多次讨论对我们帮助很大。我们要感谢母校的支持：伦敦城市大学卡斯商学院、埃塞克斯大学埃塞克斯商学院和班戈大学班戈商学院