@inbook{publication-8505,
	address={Cheltenham UK},
	author={Cerqueiro, Geraldo and Degryse, Hans and Ongena, Steven},
	booktitle={Handbook of Research Methods and Applications in Empirical Finance},
	doi={10.4337/9780857936097.00017},
	editor={Bell, Adrian and Brooks, Chris and Prokopczuk, Marcel},
	isbn={978-0-85793-608-0},
	pages={216-237},
	publisher={Edward Elgar},
	title={Using heteroskedastic models to analyze the use of rules versus discretion in lending decisions},
	year=2013,
}