APA
Avery R. B., Canner Glenn B, Calem Paul S & Bank For International Settlements. (2004). Consumer credit scoring: Do situational circumstances matter?. Basel: Bank For International Settlement.
Chicago
Avery Robert B, Canner Glenn B, Calem Paul S and Bank For International Settlements. 2004. Consumer credit scoring: Do situational circumstances matter?. Basel: Bank For International Settlement.
Harvard
Avery R. B., Canner Glenn B, Calem Paul S and Bank For International Settlements. (2004). Consumer credit scoring: Do situational circumstances matter?. Basel: Bank For International Settlement.
MLA
Avery Robert B, Canner Glenn B, Calem Paul S and Bank For International Settlements. Consumer credit scoring: Do situational circumstances matter?. Basel: Bank For International Settlement. 2004.