[12] Adams.D. W. “Are the Aruments for Cheap Agricultural Credit Sound?” [M].Undermining Rural Developmernt with Cheap Credit, Boulder: Westview Press, 1984
[13] Jeffrey Poyo and Robin Young. “Commercialization Of Microfinance : A Framework for Latin America” [M]. Word Bank,1999
[14]杜晓山.中国农村小额信贷的实践尝试[J].中国农村经.2004(8)
[15]何广文.农户小额信用贷款的制度绩效、问题及对策[J].中国农村信用合作2002(11)
[16] Liza Valenzuela.“Getting the Recipe Right : The experience and Challenges of Commerical Bank Downscaler” [M] . Balancing Business and Development edited by Deborah Drake and Elisabeth Rhyme Bloomfield Conn.Kumarian Press,2001
[19]朱水芳.典型小额信贷模式分析及对我国小额信贷实践的启示[J].广东轻工职业技术学院学报.2009（8）
[18] Sharpe，S.A."Asymmetric information,bank lending，and implicit contacts:A stylized model If customer relationships” [J],Journal ofFinance 45.1990
[19]Westgaard．Default Probabilities in a Corporate Bank Portfolio：A Logistic Model Approach[J].European Journal ofOperational Research2001.Gmsnet(2004)
[20]Theodore.Modeling Correlated Market and CredR Risk in Fixed Income Portfolios[J].Journal of Banking&Finance.2002
[21]蒋建华.商业银行内部控制与稽核[M].北京:北京大学出版社.2002
[22]柯胜光.对国有商业银行信贷风险管理现状的探究[J].理论界.2005(10)
[23]Philip Lowe.Credit risk measurement and procyclicality[R].BIS Working Paper,2002(116)
[24]Vicent Salas.Jesuas Saurina.Credit risk in Two Institutional Regimes:Spanish Commercial and Saving Banks[J].Journal of Financial Services Reseaich.2002
[25]Abhiman Das and Sibal Ghosh.Determinants of Credit Risk in Indian State-owned Banks:An Empirical Investigation[J].Munich Personal RePEc Archive.2007.9
[26]桂叶.资本充足率与中国商业银行风险的实证分析——来自中国3家商业银行的证据[J].金融经济.2013(10) 小额信贷信用风险文献综述及参考文献(3):http://www.youerw.com/wenxian/lunwen_36020.html