Altman E I.Financial ratio，discriminant analysis and the prediction of corporate bankruptcy[J]. Journal of Finance,1968,23(4):589-609.
[9]
Beck, T, DemirgucKunt A. A small and mediumsize enterprises: Access to finance as a growth constraint[J]. Journal of Banking and Finance, 2006, 30(11): 2931-2943.
[10]
Berger A N, Udell G F. Relationship lending and lines of credit in small firm finance[J]. Journal of Business, 1995, 68（3）: 351-381.
[11]
Berger A N, Udell G F. The economics of small business finance: The roles of private equity and debts markets in the financial growth cycle[J]. Journal of Banking and Finance, 1998, 22（6-8）: 613-673.
[12]
Berger A N, Udell G F. Small business credit availability and relationship lending: The importance of bank organizational structure[J]. Economic Journal, 2002, 112(477): 32-54.
[13]
Berger A N, Udell G F. A more complete conceptual framework for SME finance[R]. Working Paper, World Bank, 2006.
[14]
Emilia B, Giorgio G. Winners or losers? The effects of banking consolidation on corporate borrowers[J]. Journal of Finance, 2007, 62(2): 669-695.
[15]
FaureGrinaud A, Laffont J J, Martinort D. Collusion, delegation and supervision with soft information[J]. Review of Economic Studies, 2003, 70(2): 253-279.
[16]
Gonas J, Highfield M, Mullineaux D. When are commercial loans secured?[J]. Financial Review, 2004, 39（1）: 79-99.
[17]
Hanedar E Y,Broccardo E,Bazzana F. Collateral requirements of SMEs: The evidence from lessdeveloped countries[J]. Journal of Banking and Finance, 2014, 38: 106-121.
[18]
Laffont J J, Martimort D. Collusion and delegation[J]. Rand Journal of Economics, 1998, 29（2）: 280-350.
[19]
Laffont J J, Martimort D. Mechanism design with collusion and correlation[J]. Econometrica, 2000, 68(2): 309-342.
[20]
Meyer R L, Nagarajan G. Credit guarantee scheme for developing countries: Theory, design and evaluation[R]. Report for USAID, 1996.
[21]
Stiglitz J E. Incentives, risk, and information: Notes towards a theory of hierarchy[J]. Bell Journal of Economics, 1975, 6(2): 552-579.
[22]
Stiglitz J E, Weiss A. Credit rationing in markets with imperfect information[J]. American Economic Review, 1981, 71(3): 393-410.
[23]
Tirole J. Hierarchies and bureaucracies: On the role of collusion in organizations[J]. Journal of Law, Economics, and Organizations, 1986, 2(2): 181-214.
