6Stiglitz, Joseph E. and Weiss, Andrew. Credit Rationing in Market with Imperfect Information [J] . the American Economic Review, 1981, 71 (3): 393-410.
7Banerjee, A.V., Besley, T., Guinname, T.W.. The Neighbor's Keeper. The Design of a Credit Cooperative with Theory and a Test [J] . Quarterly of Economics , 1994. 109.
8Berber, A. N., Udell, G. F.. The Economics of Small Business Finance: The Role of Private Equity and Debt Market in the Financial Growth Cycle [J] . Journal of Banking and Finance,1998, 22: 613-617.
9Berber, A. N., Udell, G. F.. Small Business Availability and Relationship Lending:. The Importance of Bank Organizational Structure [J] . Economic Journal Forthcoming 2002.
10Benston, G. J. , Smith, C. W. , A Transactions Cost Approach to the Theory of Financial Intermediation [J]. The Journal of Finance, 1976, Vol. 31, No. 2, 215-231.
