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Belaisch, M. A. (2003). Do Brazilian banks compete? (No. 3-113). International Monetary Fund.
Gabaix, X. (2011). The granular origins of aggregate fluctuations. Econometrica, 79(3), 733772.
Gelos, R. G. (2009). Banking spreads in latin america. Economic Inquiry, 47(4), 796-814.
Tirole, J. (1994). The internal organization of government. Oxford economic papers, 1-29.
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