2Agostino, M. , F. Gagliardi and F. Trivieri, 2012, "Bank Competition, Lending Relationships and Firm Default Risk: An Investigation of Italian SMEs", International Small Business Journal, 30 (8) :907 - 943.
3Ang, J. , 1991, "Small Business Uniqueness and the Theory of Financial Management", Journal of Small Bttsiness Fi- nance, 1:1 - 13.
4Bharath, S. T. , S. Dahiya, A. Saunders and A. Srinivasan, 2011 , "Lending Relationships and Loan Contract Terms", Re- view of Financial Studies, 24 : 1141 - 1203.
5Behr, P. , A. Entzian and A. Grittier, 2011, "How Do Lending Relationships Affect Access to Credit and Loan Conditions in Microlending?" Journal of Banking & Finance, 35 (8) :2169 - 2178.
6Berger, A. N. and G. F. Udell, 1998, "The Economics of Small Business Finance: the Role of Private Equity and Debt Markets in the Financial Growth Cycle", Journal of Banking and Finance, 22 ( 8 ) :613 - 673.
7Bernanke, B. S. , M. Gertler and S. Gilchrist, 1996, "Tile Financial Accelerator, and the Flight to Quality ", Review of Economics and Statistics, 78 : 1 - 15.
8Bodenhom, H. , 2003, "Short- term Loans and Long- term Relationships: Relationship Lending in Early America", Journal of Money, Credit and Banking, 35 (4) :485 -505.
9Boot, A. W. and A. V. Thakor, 1994, "Moral Hazard and Secured Lending in an Infinitely Repeated Credit Market Game", International Economic Review, 35:899 - 920.
10Boyd, J. H. and G. De Nieolb, 2005, "The Theory of Bank Risk Taking and Competition Revisited", The Journal of Fi- nance, 60(3) :1329 - 1343.
