1－2005－Credit Scoring and the Availability, Price, and Risk of Small Business Credit
链接：http://muse.jhu.edu/login?uri=/journals/journal_of_money_credit_and_banking/v037/37.2berger.pdf

2－2000－Sharing default information as a borrower discipline device
数据库：elsevier
期刊名：European Economic Review,
卷次：Volume 44, Issue 10, December
年份：2000,
页码：Pages 1951-1980
链接：http://www.sciencedirect.com/science?_ob=ArticleListURL&_method=list&_ArticleListID=1473814356&_sort=r&_st=4&_acct=C000055629&_version=1&_urlVersion=0&_userid=1962347&md5=6adb7ccf7b5888f5f68f55d68d39cbef&searchtype=a