@unpublished{publication-5578,
	author={Brown, Martin and Zehnder, Christian},
	institution={University of Zurich},
	issn={1424-0459},
	number={No. 240},
	series={Working paper series / Institute for Empirical Research in Economics},
	title={Credit Registries, Relationship Banking and Loan Repayment},
	year=2005,
}