@misc{AllenCarlettiMarquez2005,
  author    = {Franklin Allen and Elena Carletti and Robert Marquez},
  title     = {Credit market competition and capital regulation},
  booktitle = {Center for Financial Studies (Frankfurt am Main): CFS working paper series ; No. 2005,23},
  number    = {September 24, 2005},
  institution = {Center for Financial Studies (CFS)},
  series    = {CFS working paper series},
  number    = {2005, 23},
  type      = {workingpaper},
  pages     = {40},
  year        = {2005},
}