@techreport{NBERw13399,
 title = "Consolidation of Banks in Japan: Causes and Consequences",
 author = "Kaoru Hosono and Koji Sakai and Kotaro Tsuru",
 institution = "National Bureau of Economic Research",
 type = "Working Paper",
 series = "Working Paper Series",
 number = "13399",
 year = "2007",
 month = "September",
 URL = "http://www.nber.org/papers/w13399",
}