@article{54b1b28f2792455c9fa2d0a5864b9624,
title = "Monitoring and market power in credit markets",
keywords = "banks, credit losses, information acquisition, human capital, location, market power, BRANCH BANKING, PANEL-DATA, MODELS, COMPETITION, INFORMATION, TESTS, 511 Economics",
author = "A Hyytinen and O Toivanen",
year = "2004",
doi = "10.1016/j.ijindorg.2003.06.001",
language = "English",
volume = "22",
pages = "269--288",
journal = "International Journal of Industrial Organization",
issn = "0167-7187",
publisher = "Elsevier Inc. ",
number = "2",
}