@inbook{c7008141893a44f59794a61315541c8a,
title = "Using heteroskedastic models to analyze the use of rules versus discretion in lending decisions",
author = "Geraldo Cerqueiro and Hans Degryse and Steven Ongena",
year = "2013",
month = apr,
day = "30",
doi = "10.4337/9780857936097.00017",
language = "English",
isbn = "9780857936080",
pages = "216--237",
editor = "Bell, \{Adrian R.\} and Chris Brooks and Marcel Prokopczuk",
booktitle = "Handbook of research methods and applications in empirical finance",
publisher = "Edward Elgar Publishing Ltd.",
address = "United Kingdom",
}