1A. Somerville and R. Taffler(1993), Banker Judgement versus Formal Forecasting Models: The Case of Country Risk Assesswent, City University Business School Working Paper Series, 1993.4, Center for Empirical Research in Finance and Accounting.
2Shelagh Heffernan (1996), Modem Banking in Theory and Practice, John Wiley & Sons Ltd, p. 215.