@ARTICLE{Ślązak_Emil_Prerequisites_2012, author={Ślązak, Emil}, number={No 1}, journal={Finanse}, howpublished={online}, year={2012}, publisher={Komitet Nauk o Finansach PAN}, title={Prerequisites of credit rationingin a bank-company relationshipin empirical approach}, URL={http://journals.pan.pl/Content/87356/mainfile.pdf}, }