Cita APA (7a ed.)

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

Cita Chicago Style (17a ed.)

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

Cita MLA (9a ed.)

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