6Berger,A. N. , UdeU, G. F. ,2002,“Small Business Credit Availability and Relationship Lending:The Importance of Bank Organizational Structure”Economic Journal, Vol.112,32-53.
7Stiglitz,Joseph E. and Weiss, Andrew, 1981 ,“Credit Rationing in Market with Imperfect Information”, the American Economic Review,71 ( 3 ) ,393-410.
10Peek, J. and Roeengren, E. S., 1996, "Small business credit availability: How important is size of lender?" In: Saundevs, A., Walter, I.(Eds.), Universal Banking: Financial System Design Reconsider.