5Kristin HaUberg, 1998 "A Market -Oriented Strategy for Small and Medium- Scale Enterprises" , International Finance Corporation Discussion Paper.
6JalalAkhavein, LawrenceG. Goldberg, LawrenceJ. White, 2002: "Relationship Lending and Denovo Bank: An Examination of Bank Lending to Small Farm Borrowers" , Worldbank Group Working paper
7Allen N. Berger, leora F. Idapper, Gregory F. Udell, 2001: "the ability of Banks to lend to informationally opaque" ,Federal Reserve Board.
8Allen L. The Determinants of Bank Interest Margins: A Note[J]. Journal of Financial and Quantitative Analysis, 1988, 23 (2): 231-235.
9Angbazo L. Commercial Bank Net Interest Margins, Default Risk, Interest-rate Risk and Off-balance Sheet Banking [J]. Journal of Banking and Finance, 1997, 21 (1) : 55-87.
10Barajas A., Steiner R., and N. Salazar. The Impact of Liberalization and Foreign Investment in Colombia's Financial Sector[J]. Journal of Development Economics, 2000, 63 (1) : 157-196.