6Jonathan Conning, Christopher Udry. Rural Financial Markets in Developing Countries [ EB/OL]. Center discussion paper No. 914, http:// www. econ. yale. edu/- egcenter/, 2005.
7Timothy Besley, Maitreesh Ghatak. Creating Collateral: The de Soto Effect and the Political Economy of Legal Reform [ EB/OL]. http:// citeseerx, ist. psu. edu, 2008.