7Aghion, Philippe, and Jean Tirole, 1997, Formal and real authority in organizations, Journal of Political Economy 105, 1 -29.
8Berger, Allen N. , Anil K Kashyap and Joseph M. Scalise, 1995, The transformation of the U. S. banking industry: What a long, strange trip it's been, Brookings Papers on Economic Activity, 55 -218.
9Berger, Allen N. , Anthony Saunders, Joseph M. Scalise and Gregory F. Udell, 1998, The effect of bank mergers and acquisitions on small business lending, Journal of Financial Economies 50, 187 -229.
10Berger, Allen N. , and Gregory F. Udell, 1995, Relationship lending and lines of credit in small finn finance, Journal of Business 68, 351 - 382.
