3Berger A.N. and Gregory F. Udell."The Economics of small Business Finance: The Role of Private Equity and Debt Markets in Financial Grow Cycle".Journal of Banking and Finance.Vol.122,1998,pp.613-673.
4Allen N.berger."Small business credit availability and relationship lending:the importance of bank or ga- nizational structure" ,Vol.3,2002,pp.35-49.