2[1]Berger,A.N.,Klapper,L.G.,and Udell,G.F.,2001:"The Ability of Banks to Lend to Informationnl Opaque Small Businesses".Journal of Banking and Finance,(25):171-179.
3[2]Berger,A.N.,and Miller,N.H.,2001:Petersen,M.A.,Rajan,R.G.,Stein,J.C."Does Function FoLow Organizational Form? Evidence From he Lending Practices of Large and Small Banks".Board of Governors of Federal Reserve System.
4[3]Berger,A.N.,and Udell,G.F.,2002:"Small Business Credit Availability aud Relationship Lending:The Importance of Bank Organizational Structure".Economic Journal,(45):264-268.
5[4]Frame,J.S.,and White,L.,2005:"The diffusion of financial innovations:An examination of the adoption of small business credit scoring by large banking organizations ".Journal of Business,(forthcoming).
6[5]Petersen,M.A.,and Rajan,R.,2002:"Does distance still matter? The information revolution in small business lending",Journal of Finance,57,2533-2570.
7[6]Bakker,M.R.,Klapper,L.,and Udell,G.F.,2004:"The role of factoring in commercial finance:The Case of Eastern Europe".working paper.