6Beck, Thorsten, Asli Demirguc- Kunt, and Vojislav Maksimovic. 2002. Financial and Legal Constraints to Firm:Does Size Matter,working paper,world Bank http://econ.worldband.org/resource.
7Saparito, Patrick; Chao Chen; Sapienza, HarryJ. 2002.The Central Role of Calculus- Based Trust and Relational Trust in Bank-Small Firm Relationships, Academy of Management Proceedings, Pk1, 6p.
8Stiglitz, Joseph E、and Weiss, Andrew. 1981. "Credit Rationing in Market with Imperfect Information" , the American Economic Review,71(3) pp393~410.