1George A Akerlof. The Market for "Lemons"[ J]. Quarterly Journal of Economics, 1970, 84 (3) : 488 - 500.
2Joseph E Stiglitz, Andrew Weiss. Credit Rationing in Markets with Imperfect Information [ J ]. American Economic Review, 1981, 71 (3): 393-410.
3M Pagano, T Jappelli. Information Sharing in Credit Markets[ J]. Journal of Finance, 1993, 48 (5) : 1693 - 1718.
4World Bank. Doing Business in 2005: Removing Obstacles to Growth[ M]. Cambrige: Oxford University Press, 2005: 42- 43.
5Nicola Jentzsch. The Economics and Regulation of Financial Privacy: A Comparative Analysis of the United States and Europe, Freie Universit[P]. Section of Economics Working Paper, 2001, (128).
6Nicola Jentzsch. Best World Practices in Credit Reporting and Data Protection - Lessons for China [ N ]. http://ssrn. corn/abstract = 653027, 2005 : 14 - 16.
7Andrew Powell, Nataliya Mylenko, Margaret Miller, Giovanni Majnoni. Improving Credit Information, Bank Regulation, and Supervision - On the Role and Design of Public Credit Registries[ P]. World Bank Policy Research Working Paper 3443, 2004.
8Margaret Miller. Credit Reporting Systems and the International Economy[ M]. Massachusetts: MIT Press, 2003 : 25 - 80.
