3T. Hellman.K, Murduch end J. Stiglitz,"Financial Restraint : Toward a New Paradime", in M, Aoki,H. Kim and M. Okuno- Fujiwsra, eds, The Role of Government in East Asian Economic Development , Clareudon Press,Oxford, 1997 .
4Stiglitz,J. snd Weiss,A. "Credit Rationing in Market with. Imperfect Information", American Economic Review, 71 (June), 1981.