5Stiglitz, J., Weiss, A., 1981: Credit Rationing with imperfect Information. America Economic Review 71, No. 3:393 -410.
6Bester, Helmut, 1985, Screening vs. Rationing in credit markets with imperfect information, the American Economic Review 75 (4).
7Berger, A. N and Udell G.. F, Small business credit availability and relationship lending: the importance of banking organization structure, Economical Journal 112(477),32 -54/2002.
