2Kenneth J. Arrow," Uncertainty and the Welfare Economics of Medical Care", American Economic Review 53,1963 ( 5 ) :941 - 973.
3Martha C. White, "what is a moral hazard ? "2008.9.19, http ://www. thebigmoney.com/articles.
4Stiglitz ,Joseph E. , and Weiss, Andrew," Credit Rationing in Markets with Imperfect Information. " American Economic Review 71,1981 (3) : 393 -410.
5Jung, Jeeman," Credits rationing with a moral hazard problem", Seoul Journal of Economics Summer 2000.
6Grossman, Richard S," Deposit Insurance, Regulation, and Moral Hazard in the Thrift Industry : Evidence from the 1930s", American Economic Review 82,1992 (4) : 800 - 821.
7Weinstein, Harris, "Moral Hazard, Deposit Insurance, and Banking Regulation", Cornell Law Review 77. 1992 (5) : 1099 - 1104.