Cita APA (7a ed.)

Fernández de Lis, S., Martínez Pagés, J., & Saurina Salas, J. (2000). Credit growth, problem loans and credit risk provisioning in Spain. Banco de España, Servicio de Estudios.

Cita Chicago Style (17a ed.)

Fernández de Lis, Santiago, Jorge Martínez Pagés, y Jesús Saurina Salas. Credit Growth, Problem Loans and Credit Risk Provisioning in Spain. Madrid: Banco de España, Servicio de Estudios, 2000.

Cita MLA (9a ed.)

Fernández de Lis, Santiago, et al. Credit Growth, Problem Loans and Credit Risk Provisioning in Spain. Banco de España, Servicio de Estudios, 2000.