3Allen. N. Berger and Grogory F. dell,“Small Business Availability and Relationship Lending: the Importance of Bank Organizational Structure”, Foithcoming, Economic Journal, 2002.
4Boot. A.W. and Thakor, A.V. (1997). Financial system architecture, Review of Financial Studies 10, pp. 693 -733.
5Boot. A.W. (1999) “Relationship Banking: What Do We Know?” Journal of Financial Intermediation , p. 25.