4Moss, D.. A. and G.A. Johnson. The Rise of Consumer Bankruptcy : Evolution, Revolution, or Both Harvard Business school, Working-Paper, 1998, 98-104.
5Ausubel. L. M. CreditCardDefaults, CreditCardProfits, andBankruptcy[ J]. American BankruptcyLaw journal, 1999,71 (2) :249 - 270.
6CrooK J. Consumer Credit and U.S. Houscholds. Applied Financial Economics, 1998,6 (6) :477 - 485.
7Maki. D. M. The Growth of Consumer Credit and the Household Debt Service Burden. Finaneeand Economics Discussion series, Federal Reserve Board, February 2000.
5Anthony Saunders. Credit Risk Measurement - - - New Approaches to Value at Risk & Other Paradigms. New York: John Wiley & Sons, Inc. 1999. Pg7-18.
6W Scott Frame, Aruna Srinivasan, Lynn Woosley. The Effect of Credit Scoring on Small - Business Lending. Journal of Money,Credit, and Banking. Aug. 2001, Vol.33, Iss. 3, pg813-326.
7Camilo Gomez, Sl Carmenini. Business Credit Scoring - - - a New Approach. Business Credit. March 2001, Vol. 103, Iss. 3,pg34 - 36.
8http://www. crfonline. org
9Katarina Svensson Kling(author). A Credit Intelligence Approach to Service Design in Banks. Bo Green(editor). Risk Behaviour and Risk Management in Business Life. The Netherlands: Kluwer Academic Publishers. 2000. pg50 - 60.
10Nick Ryman - Tubb. Impact of E - Commerce on Credit Sooring. Credit Control. 2000. Vol. 21, Iss. 3, pg11-15.