4Stiglitz, J., Weiss, A., 1981: Credit Rationing with imperfect Information. America Economic Review 71, No. 3:393 -410.
5Bester, Helmut, 1985, Screening vs. Rationing in credit markets with imperfect information, the American Economic Review 75 (4).
6Berger, A. N and Udell G.. F, Small business credit availability and relationship lending: the importance of banking organization structure, Economical Journal 112(477),32 -54/2002.
7Beck, T., Demirguc-Kunt, A. and Levine, R.. Law and Finance: Why Does Legal Origin Matter? Journal of Comparative Economics, 2003b.
8Pistor, K. and Xu, C.. Incomplete Law- A Conceptual and Analytical Framework-And its Application to the Evolution of Financial Market Regulation. Working Paper, 2002.
9Cetorelli, N. and Peretto, P. F.. Oligopoly Banking and Capital Accumulation. Working Paper, Federal Reserve Bank of Chicago, 2000.
10Petersen, M. A. and Rajan R. G.. The Effect of Credit Market Competition on Lending Relationships. Quarterly Journal of Economics, 1995, pp.407-443.