References: Bank finance heterogeneity in China: micro-level evidence

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Allen, F., Qian, J. and Qian, M. (2005) Law, finance, and economic growth in China, Journal of Financial Economics, 77, 57–116.
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Ayyagari, M., Demirguc-Kunt, A. and Maksimovic, V. (2010) Formal versus informal finance: evidence from China, Review of Financial Studies, 23, 3048–97.
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Heckman, J. J. (1979) Sample selection bias as a specification error, Econometrica: Journal of the Econometric Society, 47, 153–61.
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