@misc{GARCHRecord0087,
  title = {{Scaling into Low-Yield Trust Services: Business-Mix Transformation and Fee Compression in China's Trust Industry}},
  author = {Yang, Fuli},
  year = {2026},
  url = {https://papers.ssrn.com/sol3/papers.cfm?abstract_id=7313279},
  howpublished = {SSRN}
}