@incollection{,
	
					
					
					F51A64228A8614356FDEC9EBAC158DEA
				,
	author={{MichelineDomkam} and {University of Dschang}},
	journal={{Global Journal of Management and Business Research}},
	journal={{GJMBR}}2249-45880975-585310.34257/GJMBR,
	address={Cambridge, United States},
	publisher={Global Journals Organisation}2012136
}

@incollection{b0,
	
	
		,
	title={{The market of lemons: qualitive uncertainty and the market mechanism}}
		,
	author={{
			GAkerlof
		}}
	
	
		,
	journal={{Quaterly Journal of Economics}}
		
			89
			
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}

@book{b1,
	
	
		,
	title={{Le rôle de la confiance dans les décisions d'octroi de crédit bancaire au PME marocaine : d'une relation de transaction à l'approche relationnelle, 12 e Congrès International Francophone en Entrepreneuriat et PME, Association Internationale de recherche en entrepreneuriat et PME; Agadir 29}}
		,
	author={{
			Alaoui
		}}
		
			,
	year={2014}
		
	
	,
	note={30 et 31 octobre 2014}

}

@book{b2,
	
	
		,
	title={{l'impact de la crise sur le rationnement du crédit au PME françaises}}
		,
	author={{
			HAlexandre
		} and {
			HBuisson
		}}
		
		
			,
	year={2010}
		
	
	,
	note={Cahier de recherche de DRM n°06-2010}

}

@book{b3,
	
	
		,
	title={{Small business Uniqueness and the Theory of Financial Management}}
		,
	author={{
			J CAng
		}}
		
			,
	year={1991}
		
	
	,
	note={in the journal of Small Business Finance, Volume1, Issue 1}

}

@incollection{b4,
	
	
		,
	title={{What bankers want to know before granting a small business loan?}}
		,
	author={{
			GBarret
		}}
	
	
		,
	journal={{Journal of Accountancy}}
		
			169
			4
			
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	year={1990}
		
	

}

@incollection{b5,
	
	
		,
	title={{Commercial lenders' use of accounting information in interaction with some credibility}}
		,
	author={{
			PBeaulieu
		}}
	
	
		,
	journal={{Contemporary Accounting Research}}
		
			10
			2
			
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	year={1994}
		
	

}

@incollection{b6,
	
	
		,
	title={{Relationship lending and lines of credit in small firm finance}}
		,
	author={{
			ABerger
		} and {
			Udell
		} and {
			G
		}}
		
		
	
	
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	journal={{Journal of Business}}
		
			68
			
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	year={1995}
		
	

}

@book{b7,
	
	
		,
	title={{Small business credit availability and relationship lending: the importance of bank organizational structure}}
		,
	author={{
			ABerger
		} and {
			Udell
		} and {
			G
		}}
		
		
		
			,
	year={2002}
			,
	publisher={Royal Economic Society}
			112
			
		
	

}

@incollection{b8,
	
	
		,
	title={{A more complete conceptual framework for SME finance}}
		,
	author={{
			ABerger
		} and {
			Udell
		} and {
			G
		}}
		
		
	
	
		,
	journal={{Journal of Banking and Finance}}
		
			30
			
			,
	year={2006}
		
	

}

@incollection{b9,
	
	
		,
	title={{Deposits and Relationship Lending}}
		,
	author={{
			MBerlin
		} and {
			LJEt Mester
		}}
		
	
	
		,
	journal={{The Review of Financial Studies}}
		
			12
			
			,
	year={1999}
		
	

}

@incollection{b10,
	
	
		,
	title={{Alternative Information Sources and the Information Content of Bank Loans}}
		,
	author={{
			RBest
		} and {
			HEt Zhang
		}}
		
	
	
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	journal={{The Journal of Finance}}
		
			68
			
			,
	year={1993}
		
	

}

@incollection{b11,
	
	
		,
	title={{Bank Funds Management in an Efficient Market}}
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	author={{
			FBlack
		}}
	
	
		,
	journal={{Journal of Financial Economics}}
		
			2
			
			,
	year={1975}
		
	

}

@incollection{b12,
	
	
		,
	title={{Information Production, Market Signalling, and the Theory of Financial Intermediation}}
		,
	author={{
			TSCampbell
		} and {
			WAEt Kracaw
		}}
		
	
	
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	journal={{The Journal of Finance}}
		
			35
			
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	year={1980}
		
	

}

@book{b13,
	
	
		,
	title={{Information et conditions de banque, thèse de doctorat}}
		,
	author={{
			PCharlier
		}}
		
			,
	year={1995}
		
		
			Université de Strasbourg
		
	

}

@incollection{b14,
	
	
		,
	title={{Résultats d'une enquête exploratoire}}
		,
	author={{
			SCieply
		} and {
			MEt Grondin
		}}
		
	
	
		,
	booktitle={{spécificité des banques dans le contrôle des risques -PME.}}
		
			,
	year={2000}
		
	
	,
	note={Proposition de communication pour les 17èmes Journées internationales de l'économie Monétaire et Bancaire 7,8 et 9 juin}

}

@incollection{b15,
	
	
		,
	title={{Cookie Cutter vs. Character: The micro structure of small business lending by large and small banks}}
		,
	author={{
			RCole
		} and {
			LGoldberg
		} and {
			LEt White
		}}
		
		
	
	
		,
	journal={{Journal of Financial and Quantitative Analysis}}
		
			39
			2
			
			,
	year={2004}
		
	

}

@incollection{b16,
	
	
		,
	title={{A note on the use of selected nonfinancial ratio variables to predict small-business loan performance}}
		,
	author={{
			SCowen
		} and {
			AEt Page
		}}
		
	
	
		,
	journal={{Decision Sciences}}
		
			13
			
			,
	year={1982}
		
	

}

@incollection{b17,
	
	
		,
	title={{The Use Of Accounting Information in Bank Lending Decision}}
		,
	author={{
			PDanos
		} and {
			DLHolt
		} and {
			EAImhoffJr
		}}
		
		
	
	
		,
	journal={{Accounting Organizations and Society}}
		
			14
			
			,
	year={1989}
		
	

}

@incollection{b18,
	
	
		,
	title={{Financial Intermediation and Delegated Monitoring}}
		,
	author={{
			DWDiamond
		}}
	
	
		,
	journal={{Review of Economic Studies}}
		
			51
			
			,
	year={1984}
		
	

}

@book{b19,
	
	
		,
	title={{Think global, borrow local}}
		,
	author={{
			JEbben
		}}
		
			,
	year={2004}
		
	
	,
	note={Inc. com}

}

@incollection{b20,
	
	
		,
	title={{Progressive lending as an enforcement mechanism in microfinance Programs}}
		,
	author={{
			DEgli
		}}
	
	
		,
	journal={{In Review of Development Economics}}
		
			8
			
			,
	year={2004}
		
	

}

@book{b21,
	
	
		,
	author={{
			EElyasiani
		} and {
			REt Goldberg
		}}
		
		,
	title={{Relationship lending: a survey of the literature}}
				
			,
	year={2004}
		
	

}

@book{b22,
	
	
		,
	author={{
			YEvrard
		} and {
			BPras
		} and {
			Et Roux
		}}
		
		
		,
	title={{Etudes et recherché en marketing}}
				
			,
	year={2000}
		
	
	,
	note={3e Edition Dunod}

}

@incollection{b23,
	
	
		,
	title={{What's Different About Banks?}}
		,
	author={{
			EFFama
		}}
	
	
		,
	journal={{Journal of Monetary Economics}}
		
			15
			1
			
			,
	year={1985}
		
	

}

@incollection{b24,
	
	
		,
	title={{Organizational forms and the investment decisions}}
		,
	author={{
			EFFama
		} and {
			MCJensen
		}}
		
	
	
		,
	journal={{Journal of Financial Economics}}
		
			14
			1
			
			,
	year={1985}
		
	

}

@book{b25,
	
	
		,
	title={{Banks and a big change in technology called credit scoring}}
		,
	author={{
			RFeldman
		}}
		
			,
	year={1997}
		
	

}

@incollection{b26,
	
	
		,
	title={{L'étude de cas comme methode de recherché: comment assurer la véracité des resultants?}}
		,
	author={{
			Gagnon
		}}
	
	
		,
	booktitle={{Actes du deuxième colloque international francophone}}
				s du deuxième colloque international francophone
		
			,
	year={2009}
		
	

}

@incollection{b27,
	
	
		,
	title={{Bank Lending Relationship and the Complex Nature of Bank-Corporate Relations}}
		,
	author={{
			JHolland
		}}
	
	
		,
	journal={{Journal of Business Finance & Accounting}}
		
			21
			
			,
	year={1994}
		
	

}

@incollection{b28,
	
	
		,
	title={{Some Evidence on the Uniqueness of Bank Loan}}
		,
	author={{
			James
		}}
	
	
		,
	journal={{Journal of Financial Economics}}
		
			19
			
			,
	year={1987}
		
	

}

@incollection{b29,
	
	
		,
	title={{Financial Statements, Attestation Level and Lending Decision by Small Banks}}
		,
	author={{
			JNKim
		} and {
			EZRafik
		}}
		
	
	
		,
	journal={{Southwest Business and Economics Journal}}
		
			,
	year={2008. 2007-2008}
		
		
			California State University
		
	

}

@incollection{b30,
	
	
		,
	title={{Informational Asymmetries, Financial Structure, and Financial Intermediation}}
		,
	author={{
			HELeland
		} and {
			DHPyle
		}}
		
	
	
		,
	booktitle={{Poids des asymétries informationnelles et aléa de moralité dans les relations entre banques et PME ", LATAPSES UMR, n°42}}
				
			,
	year={1977. 1996}
			32
			
		
	
	,
	note={Levratto}

}

@incollection{b31,
	
	
		,
	title={{Further Evidence on the Bank Lending Process and the Capital-Market Response to Bank Loan Agreements}}
		,
	author={{
			SLLummer
		} and {
			JJMcconnell
		}}
		
	
	
		,
	journal={{Journal of Financial Economics}}
		
			25
			1
			
			,
	year={1989}
		
	

}

@book{b32,
	
	
		,
	title={{Checking accounts and bank monitoring}}
		,
	author={{
			LJMester
		} and {
			LINakamura
		} and {
			MEt Renault
		}}
		
		
		
			,
	year={1998}
			
			,
	address={Federal Reserve Bank of Philadelphia}
		
	
	,
	note={Working Paper}

}

@book{b33,
	
	
		,
	title={{Approches to qualitativequantitative methodological triangulation' Nursing Research, N0 40}}
		,
	author={{
			JMMorse
		}}
		
			,
	year={1991}
			
		
	

}

@book{b34,
	
	
		,
	author={{
			LINakamura
		}}
		,
	title={{Recent Research in Commercial Banking: Information and Lending}}
				
			,
	year={1993}
			2
			
		
	
	,
	note={Financial Markets, Institutions & Instruments}

}

@book{b35,
	
	
		,
	title={{Camerounaise: l'exigence d'une analyse spécifique du risque}}
		,
	author={{
			LNdjanyou
		} and {
			; « Risque
		} and {
			Incertitude
		} and {
			PM EFinancement Bancaire De La
		}}
		
		
		
		
			,
	year={2001}
			7043
			,
	address={Upper Montclair, New Jersey}
		
	

}

@incollection{b36,
	
	
	
	
		,
	booktitle={{Rapport annuel 2007. Les éditions de l'OCDE}}
				Paris, France
		
			,
	year={2007}
		
	

}

@incollection{b37,
	
	
		,
	title={{Mes informations comptables répondent-aux besoins informationnels des banquiers lors d'un crédit à une entreprise ?}}
		,
	author={{
			VRougès
		}}
	
	
		,
	booktitle={{Congrès de l'AFC}}
				
			,
	year={2007. 2007}
		
	

}

@book{b38,
	
	
		,
	title={{Recherche sociale de la problématique à la collecte de données (5e éd}}
		,
	author={{
			SNRoy
		}}
		
			,
	year={2009}
			
			,
	address={Québec}
		
		
			Presses de l'Université du Québec
		
	
	,
	note={L'étude de cas}

}

@incollection{b39,
	
	
		,
	title={{Credit Risk Rating at Large U. S. Banks}}
		,
	author={{
			WFTreacy
		} and {
			MSCarey
		}}
		
	
	
		,
	booktitle={{Federal Reserve Bulletin}}
				
			,
	year={1998}
			84
			
		
	
	,
	note={n°2 Novembre}

}

@book{b40,
	
	
		,
	title={{Small banks say one-on-one beats credit scoring models}}
		,
	author={{
			LWhiteman
		}}
		
			,
	year={1998. October 8}
			,
	publisher={American Banker}
			13
		
	

}

@book{b41,
	
	
		,
	title={{Markets and Hierarchies, Analysis and Antitrust Implications}}
		,
	author={{
			OEWilliamson
		}}
		
			,
	year={1975}
			,
	publisher={The Free Press}
			,
	address={New York}
		
	

}

@incollection{b42,
	
	
		,
	title={{The Markets and Hierarchies Perspectives: origins, implications, prospects}}
		,
	author={{
			OEWilliamson
		} and {
			WGOuchi
		}}
		
	
	
		,
	booktitle={{Perspectives on organization Design and Behavior}}
				,
	editor={
			AVan De Ven
			WJoyce
		}
		New York
		
			,
	publisher={Wiley}
			,
	year={1981}
			
		
	

}