5Altman, E. I. , Marco, G. ,and Varetto, F. 1994. "orporate distress diagnosis : comparisons using linear discriminated analysis and neural networks (the italian ex- perience)", Journal of Banking and Finance, 18:505 - 529.
6Baltensperger, Ernst. 1978. "Credit Rationing : Issues and Questions", Journal of Money, Credit and Banking, 10 (2) : 170 - 183.
7Hodgman, Donald R. 1960. "Credit Risk and Credit Rationing", The Quarterly Journal of Economics, May,75(2) :258 -278.
8Jaffee, Dwight M. ,and Modigliani, F. 1969. "A Theory and Test of Credit Rationing", The American Economic Review, Vo159(5) ,850 -872.
9Jaffee D. M. 1971. "Credit Rationing and Commercial Loan Market" New York:John Wiley and Sons.
10Jaffee D. M. & Russell,and Thomas. 1976. "Imperfect Information, Uncertainty and Credit Rationing", The Quarterly Journal of Economics, Nov , 90 (4) : 651 - 666.
