9Peek, 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.
10Stiglitz, Joseph E. and Weiss, Andrew, 1981 ,"Credit Rationing in Market with Imperfect Information", the American Economic Review, 71(3), 393-410.