@book { CreditRationingandInstitutionalConstraint,
    title = "Credit Rationing and Institutional Constraint",
    subtitle = "Evidence from Rural China",
    author = "Xianping {Jia}",
    year = "2008",
    publisher = "Peter Lang Verlag",
    address = "Berlin, Germany",
    url = "https://www.peterlang.com/document/1105532"
}