@article{publication-11778,
	author={Cerqueiro, Geraldo and Degryse, Hans and Ongena, Steven},
	doi={10.1016/j.jfi.2010.12.002},
	issn={1042-9573},
	journal={Journal of Financial Intermediation},
	number=4,
	pages={503-529},
	publisher={Elsevier},
	title={Rules versus discretion in loan rate setting},
	volume=20,
	year=2011,
}