@article{publication-11796,
	author={Ongena, Steven and Smith, David C},
	doi={10.1006/jfin.1999.0273},
	issn={1042-9573},
	journal={Journal of Financial Intermediation},
	number=1,
	pages={26-56},
	publisher={Elsevier},
	title={What determines the number of bank relationships? Cross-country evidence},
	volume=9,
	year=2000,
}