@TechReport{CEPII:2008-15,
  author={Hans Degryse and Olena Havrylchyk and Emilia Jurzyk and Sylwester Kozak},
  title={The Effect of Foreign Bank Entry on the Cost of Credit in Transition Economies. Which Borrowers Benefit the Most?},
  year=2008,
  month=September,
  institution={CEPII},
  type={Working Papers},
  url={https://www.cepii.fr/CEPII/fr/publications/wp/abstract.asp?NoDoc=1037},
  number={2008-15},
  
}