1－1999－Youth, adolescence, and maturity at banks：credit availability to small business in an era of banking consolidation
链接：http://www.sciencedirect.com/science/article/B6VCY-418Y1HF-K/2/1f68c48254b0bfeee85b4467972a81de

2－2003－Changes in Non-Local Lending to Small Business
链接：http://www.springerlink.com/content/g041kn04l14j1405/

3－1998－The "credit crunch'' and the availability of credit to small business
链接：http://www.sciencedirect.com/science/article/B6VCY-3V7WMYP-T/2/aabfbd334d04e63e9a923e4481ce991a