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18. George M. Von Furstenberg (1990), Default Risk On FHA-Insured Home Mortgages As A Function Of The Terms Of Financing: A Quantitative Analysis, Journal Of Finance, Vol. 24, No. 3. 19. Richard L. Shockley and Anjan V. Thakor (1997), Bank Loan Commitment Contracts: Data, Theory, and Tests. Journal Of Money, Credit and Banking, Vol. 29, No. 4. 20. Joseph E. Stiglitz and Andrew Weiss (1991), Credit Rationing in Markets With Imperfect Information, the American Economic Review, VOL.71 NO.3.

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