@misc{misc, title  = {{Governance and Bank Characteristics in the Credit and Sovereign Debt Crises What is Different?}},

 url = {{}},

 year = {{2016}},

 month = {{1}},

 author = {{Mollah S and Liljeblom E}},

 doi = {{10.2139/ssrn.2739803}},

 note = {{Accessed on 2024/12/22}}}