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Information sharing, lending and defaults: Cross-country evidence[J] . Tullio Jappelli,Marco Pagano.  Journal of Banking and Finance . 2002 (10)
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Private credit in 129 countries. Simeon Djankov,Caralee Mcliesh,Andrei Shleifer. . 2004
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The effect of information sharing between lenders on access to credit, cost of credit, and loan performance – Evidence from a credit registry introduction[J] . Patrick Behr,Simon Sonnekalb.  Journal of Banking and Finance . 2012 (11)