3Stiglitz,J.E.,Weiss,A.,Credit Rationing in Markets with Imperfect Information[J].American Economic Review,1981
4Borro,R.J.,The Loan Market,Collateral and Rate of Interest[J].Journal of Money,Credit and Banking,1976
5Berger,A.N.,Udell.G.F.,The Economics of Small Business Finance:The Role of Private Equity and Debt Market in the Financial Growth Cycle[J].Journal of Banking and Finance,1998
2Angelini, P., Salvo, R. D, Ferri, G., 1998, "Availability and Cost for Small Businesses: Customer Relationship and Credit Cooperatives",Journal of Banking and Finance, 22, 925-954.
3Berger, A.N., Udell, G.F., 1995, "Relationship Lending and Lines of Credit in Small Firm Finance", Journal of Business, 68, 351-382.
41998,"The Economics of Small Business Finance: The Role of Private Equity and Debt Market in the Financial Growth Cycle", Journal of Banking and Finance, 22, 613-673.
52002,"Small Business Credit Availability and Relationship Lending: The Importance of Bank Organizational Structure", Economic Journal,Fortheoming.
6Berger, A.N., Miller, N.H., Petersen, M.A., Rajan, R.G., Stein, J.C., 2001,"Does Function Follow Organizational Form? Evidence from the Lending Practices of Large and Small Banks", Board of Governors of Federal Reserve System Working Paper.
7Berger, A., Saunders, A., Scalise, J., Udell, G., 1998,"The Effects of Bank Mergers and Acquisitions on Small Business Lending",Journal of Financial Economics, 50, 187-229.
8DeYoung, R., Spong, K., Sullivan, R., 2000,"Who's Minding the Store? Motivating and Monitoring Hired Managers at Small, Closely Held Commercial Banks", Journal of Banking and Finance, 25, 1209-1243.
9Harboff, D., K? rting, T., 1998,"Lending Relationships in Germany: Empirical Evidence from Survey Data", Journal of Banking and Finance, 22, 1317-1353.
10Levonian, M., Soller, J., 1995,"Small Bank, Small Loans, Small Business", Federal Reserve Bank of San Francisco Working Paper.
