Bhattacharya, H. (2011). Banking strategy, credit appraisal, and lending decisions: A risk-return framework (2nd.). Oxford.
芝加哥风格引文Bhattacharya, Hrishikes. Banking Strategy, Credit Appraisal, and Lending Decisions: A Risk-return Framework. 2nd. New Delhi: Oxford, 2011.
MLA引文Bhattacharya, Hrishikes. Banking Strategy, Credit Appraisal, and Lending Decisions: A Risk-return Framework. 2nd. Oxford, 2011.
警告：这些引文格式不一定是100％准确.