1Berger, A N & Udell, G F , 2002, " Small Business Credit Availability and Relationship Lending. the Importance of Bank Organizational Structure" . Economic Journal, 112 (477), pp. 32-54.
2Berger, A N & Udell, G F , 1998, "The Economics of Small Business Finance. the Role of Private Equity and Debt Markets in the Financial Growth Cycle", Journal of Banking and Finance, 22, pp.613-673.
3Berger, A N & Udell, G F , 1990, "Collateral, Loan Quality,and Bank Risk", Journal of Monetary Economics, 25,pp.21-42.
4Bemanke, B S & Gertler, M , 1995, "Inside the Black Box.The Credit Channel of Monetary Policy Transmission", Journal of Economic Perspective, 9, pp. 27-48.
5Bemanke, B S , Gertler, M & Gilchrist, S , 1996, "The Financial Accelerator, and the Flight to Quality ", Review of Economics and Statistics,78, pp. 1-15.
6Bran, J C , 2002, " Do Banks Price Owner-manager Agency Costs.'? An Examination of Small Business Borrowing", Journal of Small Business Management,40(4), pp.273-286.
7Campbell, T S , & Kracaw, W. , 1980, " Information Production,Market Signalling, and the Theory of Financial Intermediation "Journal of Finance, 35, pp. 863-882.
8Cole, R A , 1998, "The Importance of Relationships to the Availability of Credit", Journal of Banking and Finance, 22, pp. 959-977.
9Cole, R A & Walranen, N , 1998, "Banking Consolidation and the Availability of Credit to Small Business", Board of Governors of the Federal Reserve System Working Paper.
10Cressy, R , 1996, "Are Business Startups Debt-rationed?",Economic Journal, 106(438), pp. 1253-1270.
