@misc{BurghofHenschel2005,
  author    = {Hans-Peter Burghof and Claudia Henschel},
  title     = {Credit information in universal banking : a clinical study},
  institution = {Center for Financial Studies (CFS)},
  series    = {CFS working paper series},
  number    = {1998, 13},
  year      = {2005}
}