ACCOUNTING AGGREGATE OUTPUT AGGREGATE SUPPLY AGGREGATE SUPPLY CURVE ANNUAL GROWTH ANNUAL OBSERVATIONS ASYMMETRIC INFORMATION AVERAGE GROWTH AVERAGE GROWTH RATE AVERAGE LEVEL BANKING INDUSTRY BANKS BUSINESS CYCLE BUSINESS CYCLES CAPITAL FLOWS CAPITAL MARKET CAPITAL MARKETS CENTRAL BANK CONTAGION CORPORATE GOVERNANCE COUNTRY CHARACTERISTICS COUNTRY EFFECTS COUNTRY REGRESSIONS COUNTRY RESULTS COUNTRY SPECIFIC CREDIT MARKETS CROSS COUNTRY CROSS-COUNTRY COMPARISONS CROSS-COUNTRY DATA CROSS-COUNTRY REGRESSION