@book{38462,
	author = {Gestel, Tony van. and Baesens, Bart.},
	title = {Credit risk management},
	publisher = {Oxford University Press,},
	year = {c2009.},
	address = {Oxford :},
	url = {http://dx.doi.org/10.1093/acprof:oso/9780199545117.001.0001}
}