1Bell, Clive, 1990 "Interactions between Institutional and Informal Credit Agencies in Rural India," World Bank Economic Review, 4 :297- 327.
2Besley, T., 1995, "Non-market Institutions for Credit and Risk in Low-Income Countries," The Journal of Economic Perspectives ,Vol,9, No. 3, pp. 115- 127.
3Dasgupta, B. , 2004a, "Capital Accumulation in the Presence of Informal Credit Contracts:Does the Incentive Mechanism Work Better than Credit Rationing Under Asymmetric Information?" University of Connecticut Working paper 2004-32, Department of Economics.
4Dasgupta, B. , 2004b, "Credit Rationing and Endogenous Growth in the Presence of Informal Credit Markets," Draft, University of Connecticut, Department of Economics,.
5Dell'Ariccia, G. and Marquez, R. , 2004, "Information and Bank Credit Allocation,"Journal of Financial Economics, Vol. 72, No. 1, pp. 185-214.
6Floro, M. S and Ray, D. 1997, "Vertical Links between Formal and Informal Financial Institutions," Review of Development Economics, vol. 1 (1), pp. 34- 56.
7Ghosh, P. and Ray, D. , 1999, "Information and Enforcement in Informal Credit Markets," Working paper of Boston University - Institute for Economic Development.
8Jain, S. , 1999, "Symbiosis vs. crowding-out, the interaction of formal and informal credit markets in developing countries," Journal of Development Economics, vol. 59, pages 419 -444.
9Karaivanov, A. , 2003, "Financial Contracts and Occupational Choice," mimeo, University of Chicago, Department of Economics.
10Kellee S. Tsai, 2002, Back-Alley Banking. Private Entrepreneurs in China, Ithaca, NY. Cornell University Press. ?
4Martin Weitn, nan and Chenggang Xu, 1994, Chinese Township-Village Enterprises as Vaguely Defined Cooperatives, Journal of Comparative Economics 18,121 ~ 145.
5Hehui Jin and Yingyi Qian, 1998, Public Versus Private Ownership of Firms: Evidence from Rural China, Quarterly Journal of Economics, August.
6Yijiang Wang and Chun Chang, 1998, Economic Transition under A Semifederalist Government: The Experiment of China, China Economic Review Vol. 9(1) .
8Jose Lopez-Gracia,Cristina Aybar-Arias. An Empirical Approach to the Financial Behaviour of Small and Medium Sized Companies[J] 2000,Small Business Economics(1):55~63