2Lown, Cara and Morgan,Donald. The Credit Cycle and the Business Cycle: New Findings Using the Loan Officer Opinion Survey [R] . Federal Reserve publication. 2004.
3Allen, Linda. A Survey of Cyclical Effects in Credit Risk Measurement Models [ R] . Bank for International Settlements publication. 2003.
4Hampton, Time. A Structured Approach to Stress Testing Residential Mortgage Portfolios [R] . Reserve Bank of New Zealand publication. 2006.
5Keeton, William. Does Faster Loan Growth Lead to Higher Loan Losses [J] . Economic Review, March 22, 1999.
6Jimenez, Gabriel. Credit Cycles, Credit Risk, and Prudential Regulation [ R] . Bank for International Settlements publication, 2005.
7De Luis, Santiago. Credit Growth, Problem Loans and Credit Risk Provisioning in Spain. Bank of spain publication, 2000.
8Weinberg, John. Cycles in Lending Standards? [R] . Federal Reserve publication, 1995.
9Berger, A. The Institutional Memory Hypothesis and the Procycliality of Bank Lending Behavior [ R] . Bank for International Settlements publication, 2003.
10Yue, Eddie. Marrying the Micro and Macro Prudential Dimmensons of Financial Stability- The Hong Kong Experience [M] . 香港金管局HKMA出版务, 2001.
