Παραπομπή σε μορφή APA (7η εκδ.)

Beck, T., Demirgeunc-Kunt, A., & Maksimoviac, V. (2003). Bank competition, financing obstacles, and access to credit. Finance, Development Research Group, World Bank.

Παραπομπή σε μορφή Chicago (17η εκδ.)

Beck, Thorsten, Asli Demirgeunc-Kunt, και Vojislav Maksimoviac. Bank Competition, Financing Obstacles, and Access to Credit. Washington, D.C: Finance, Development Research Group, World Bank, 2003.

Παραπομπή σε μορφή MLA (9th εκδ.)

Beck, Thorsten, et al. Bank Competition, Financing Obstacles, and Access to Credit. Finance, Development Research Group, World Bank, 2003.