0187-358X 0187-358X S0187-358X2016000200011 10.1016/j.ibbai.2016.04.010 00 08 2016 00 08 2016 30 69 11 15 2015 33 5 5 896-915 1989 13 3 3 319-39 1989 35 8 8 982-1003 2007 58 14 14 2325-34 2006 23 7 7 18-21