Cita APA (7a ed.)

Gavilán, Á., Salas, V., & Saurina, J. (2006). Credit market competition, collateral and firms' finance. Banco de España.

Cita Chicago Style (17a ed.)

Gavilán, Ángel, Vicente Salas, y Jesús Saurina. Credit Market Competition, Collateral and Firms' Finance. Madrid: Banco de España, 2006.

Cita MLA (9a ed.)

Gavilán, Ángel, et al. Credit Market Competition, Collateral and Firms' Finance. Banco de España, 2006.