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Dans l'article fondateur d'économie bancaire de D. W. Diamond et P. Dybvig (1983), la banque est :a)) Une réponse à l'incompatibilité entre le besoin de liguidité des prêteurs et le besoin de financement à long terme des emprunteursb) Un intermédiaire financier qui a la particularité de créer de la monnaiec) Un contrôleur déléguéd) Un intermédiaire financier dont la prise de risque excessive fait paniquer les déposants(©) Exposée à un risque de ruée bancaire sans supposer son actif risqué

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