3Petersen,M.A.,& Rajan,R.G.,"The benefits of lending relationships:Evidence from small business data"[J].Journal of Finance,49,3–37,1994.
4Berger,A.N.,& Udell,G.F.,"The economics of small business finance:The roles of private equita` and debt markets in the financial growth cycle"[J].Journal of banking and finance,22,613–673,1998.
5Kim,H.W.,"Effect of policy loan on SMEs",Korea Development Institute (in Korean),2004.
7Kang,D.,"Distress of Small and Medium-Sized Enterprises and Role of Credit Guarantee Scheme in Restructuring:The Case of Korea",Korea Development Institute Mimeo,2005.
8Lee,K.,"An evaluation of loan guarantee system for S&M firms in Korea"[J].The Korea Journal of Public Finance,20,203–229 (in Korean),2006.
9Markowitz,H.M.,"Portfolio selection"[J].The journal of finance,7(1),March,1952.