3Besanko, D., & Thakor, A., 1987, "Collateral and Rationing: Sorting Equilibrium in Monopolistic and Competitive Markets", International Economic Review 28, 671--689.
4Bester, H., 1985, "Screening Versus Rationing in Credit Markets with Imperfect Information", American Economic Review 75, 850--855.
5Bester, H., 1987, "The Role of Collateral in Credit Markets with Imperfect Information", European Economic Review, 31, 887--899.
6Riley, J. G., 1979, Informational Equilibrium, Econometrica 47,331--359.
7Schimdt-Mohr, U., 1997, "Rationing Versus Collateralization in Competitive and Monopolistic Credit Markets with Asymmetric Information",European Economic Review 41, 1321--1342.
8Spence, M., 1973, Market Signaling: Information Transfer in Hiring and Related Processes ( Cambridge, MA ).
9Stiglitz, J.E., & Weiss, A., 1981, "Credit Rationing in Markets with Imperfect Information", American Economic Review, Volume 71,Issue 3, 393--410.
10Wette, H.C., 1983, "Collateral in Credit Rationing in Markets with Imperfect Information", American Economic Review 73 (3), 442--445.
8Berger, A.N., Udell, G.F. A more Complete Conceptual Framework for SME Finance , Journal of Banking & Finance, 2006.
9Berger, A.N, Udell, G.F. Small Business Credit Availability and Relationship Lending:the Importance of Bank Organizational Structure, Economic Journal,2002.
10DeYoung, R,Hunter;W.C,Udell,G.F.The Past, Present and ProbableFuture for CommunityBands, JournalofFinancial Services R esearch,2004.