1Berger,A.N.and Frame,W.S.,2005,credit scoring and the ability,price and risk of small business credit,Journal of Money,Credit and Banking,April.37(2).
2Bianco,M.,Jappelli,T.and Pagano,M.,2002,courts and banks:effects of judicial enforcement on credit markets,CEPR paper,No,3347.
3Black,Sandra and Philip Stranhan,2003,entrepreneurship and bank credit availability,Journal of Finance,LⅦ,2807,2803.
4Clark,G.and R.Cull,2005,bank lending to small business in Latin America:does bank origin matter? Joural of Money,Credit and Banking,Feb.,37 (1).
5Menkhoff,L.,D.Neuberger&C.Suwanaporn,2005,collateral-based lending in emerging markets:evidence from Thailand,SSRN papers.
6Pozzolo,A.F.,2004,the role of guarantees in bank lending,Economics&Statistics Discussion Paper,University of Molise.
7Padilla,A.J.and Requejo,A.,2001,the costs and benefit of protecting creditor rights:theory and evidence,in M.Pagano,ed.,defusing default:Incentives and Institutions.Baltimore:Johns Hopkings.
