@article{BonaccorsidiPatti2001,
	title = {The changing structure of local credit markets: Are small businesses special?},
	author = {Emilia Bonaccorsi di Patti and Giorgio Gobbi},
	journal = {Journal of Banking \& Finance},
	month = {Dec},
	number = {12},
	pages = {2209--2237},
	url = {http://www.sciencedirect.com/science/article/B6VCY-44DY3BC-5/1/c67b76720c9d07486cd768bc3aa23d4e},
	volume = {25},
	year = {2001},
	biburl = {http://www.bibsonomy.org/bibtex/2ee32ee2f2fc6298b6274cc9541c6fdc2/smicha},
	description = {Journal of Banking & Finance},
	keywords = {Commercial banks }
}