4Akerlof, George A. 1970. " The Market for ' Lemons' : Quality Uncertainty and the Market Mechanism. " Quarterly Journal of Economics, 84 ( 3 ) :488 - 500.
5Benston, George J. , and Clifford W. Smith. 1976. " A Transactions Cost Approach to the Theory of Financial Intermediation. " The Journal of Finance, 32(2) : 215 -231.
6Berger, Allen N. 2003. " The Economic Effects of Techhological Progress : Evidence from the Banking Industry. " Journal of Money,Credit, and Banking, 35 ( 2 ) : 141 - 176.
7Bester, Helmut. 1987. "The Role of Collateral in Credit Markets with Imperfect Information. " European Economic Review ,31 (4) : 887 - 899.
8Brown, Martin, Tullio Jappelli, and Marco Pagano. 2006. " Information Sharing and Credit Market Performance: Firm Level Evidence from Transition Countries. "CSEF Working Paper 178.
9Djankov, Simeon, Caralee M cLiesh, and Andrei Shleifer. 2007. "Private Credit in 129 Countries. "Journal of Financial Economics, 84(2) :299 -329.
10Doyle, Maura P. ,and Christopher M. Snyder. 1999. "Information Sharing and Competition in the Motor Vehicle Industry. "Journal of Political Economy, 107 ( 6 ) : 1326 - 1364.