Problems of this Paper
1. Not Well Written
l 2. Discuss Only the starting point around zero
--the result may not be generalized
l 3. No operational costs
l 4. No reserve requirement
l 5. Liquidity risk is not considered
l 6. Default risk is not considered
l 7. Cov(i1.i2)<0 is not discussed
l 8. Asset and liability may not independent
l 9. S11S22-S122>0 is not justified
s122 12為足碼 後面的2為平方
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