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Hayne E. Leland, David H. Pyle, Informational Asymmetries, Financial Structure, and Financial Intermediation, The Journal of Finance, Vol. 32, No. 2, Papers and Proceedings of the Thirty-Fifth Annual Meeting of the American Finance Association, Atlantic City, New Jersey, September 16-18, 1976 (May, 1977), pp. 371-387
Leland et al. (Sun,) studied this question.