@article{publication-9207,
	author={Karceski, Jason and Ongena, Steven and Smith, David C},
	doi={10.1111/j.1540-6261.2005.00787.x},
	issn={0022-1082},
	journal={Journal of Finance},
	number=4,
	pages={2043-2082},
	publisher={Wiley-Blackwell Publishing, Inc.},
	title={The impact of bank consolidation on commercial borrower welfare},
	volume=60,
	year=2005,
}