1. Juha Forsström & Juha Honkatukia & Antti Lehtilä, 2002. "Maakaasun hinnan vaikutukset ilmastopolitiikan kustannuksiin," Discussion Papers 801, The Research Institute of the Finnish Economy. [Downloadable!]
2. Diamond, Douglas W, 1991. "Monitoring and Reputation: The Choice between Bank Loans and Directly Placed Debt," Journal of Political Economy, University of Chicago Press, vol. 99(4), pages 689-721, August. [Downloadable!] (restricted)
3. Ernst-Ludwig von Thadden, 1992. "The Commitment of Finance, Duplicated Monitoring and the Investment Horizon," CEPR Financial Markets Paper 0027, European Science Foundation Network in Financial Markets, c/o C.E.P.R, 53--56 Great Sutton Street, London EC1V 0DG.
4. Erkki Koskela & Markku Ollikainen, 2002. "Optimal Forest Taxation under Private and Social Amenity Valuation," Discussion Papers 815, The Research Institute of the Finnish Economy. [Downloadable!]
5. Ari Hyytinen & Otto Toivanen, 2003. "Do Financial Constraints Hold Back Innovation and Growth? Evidence on the Role of Public Policy," Discussion Papers 820, The Research Institute of the Finnish Economy. [Downloadable!]
   Other versions:
   • Hyytinen, Ari & Toivanen, Otto, 2005. "Do financial constraints hold back innovation and growth?: Evidence on the role of public policy," Research Policy, Elsevier, vol. 34(9), pages 1385-1403, November. [Downloadable!] (restricted)
6. Pekka Sulamaa & Mika Widgrén, 2002. "EU-Enlargement and the Opening of Russia: Lessons from the GTAP Reference Model," Discussion Papers 825, The Research Institute of the Finnish Economy. [Downloadable!]
7. Mika Maliranta, 2002. "Factor Income Shares and Micro-Level Restructuring. An Analysis of Finnish Manufacturing," Discussion Papers 796, The Research Institute of the Finnish Economy. [Downloadable!]
8. Petri Böckerman, 2002. "Understanding Regional Productivity in a Nordic Welfare State: Does ICT Matter?," Discussion Papers 798, The Research Institute of the Finnish Economy. [Downloadable!]
9. Matti Lampinen, 2002. "Uusi talous - tapaustutkimuksia suomalaisyrityksissä," Discussion Papers 806, The Research Institute of the Finnish Economy. [Downloadable!]
10. Sharpe, Steven A, 1990. " Asymmetric Information, Bank Lending, and Implicit Contracts: A Stylized Model of Customer Relationships," Journal of Finance, American Finance Association, vol. 45(4), pages 1069-87, September. [Downloadable!] (restricted)
    Other versions:
    • Steven A. Sharpe, 1989. "Asymmetric information, bank lending, and implicit contracts: a stylized model of customer relationships," Finance and Economics Discussion Series 70, Board of Governors of the Federal Reserve System (U.S.).
11. Raimo Lovio, 2002. "Suomalaisten monikansallisten yritysten T&K-toiminnan kansainvälistyminen - perustietoja ja kysymyksenasetteluja," Discussion Papers 804, The Research Institute of the Finnish Economy. [Downloadable!]
12. Mayer, Colin, 1994. "The Assessment: Money and Banking: Theory and Evidence," Oxford Review of Economic Policy, Oxford University Press, vol. 10(4), pages 1-13, Winter.
13. Ari Hyytinen & Mika Pajarinen, 2002. "Financing of Technology-Intensive Small Business: Some Evidence on the Uniqueness of the ICT Industry," Discussion Papers 813, The Research Institute of the Finnish Economy. [Downloadable!]
14. Leland, Hayne E & Pyle, David H, 1977. "Informational Asymmetries, Financial Structure, and Financial Intermediation," Journal of Finance, American Finance Association, vol. 32(2), pages 371-87, May. [Downloadable!] (restricted)
    Other versions:
    • Hayne E. Leland and David H. Pyle., 1976. "Informational Asymmetries, Financial Structure, and Financial Intermediation," Research Program in Finance Working Papers 41, University of California at Berkeley. [Downloadable!]
15. Jyrki Ali-Yrkkö & Raine Hermans, 2002. "Nokia Suomen innovaatiojärjestelmässä," Discussion Papers 799, The Research Institute of the Finnish Economy. [Downloadable!]
16. Pekka Mannonen, 2001. "Advancing information technology and financial intermediation," Discussion Papers 770, The Research Institute of the Finnish Economy. [Downloadable!]
17. Michael Manove & A. Jorge Padilla & Marco Pagano, 1998. "Collateral vs. Project Screening: A Model of Lazy Banks," CSEF Working Papers 10, Centre for Studies in Economics and Finance (CSEF), University of Naples, Italy. [Downloadable!]
    Other versions:
    • Manove, Michael & Padilla, Atilano Jorge & Pagano, Marco, 2000. "Collateral Vs. Project Screening: A Model Of Lazy Banks," CEPR Discussion Papers 2439, C.E.P.R. Discussion Papers. [Downloadable!] (restricted)
    • Manove, M. & Padilla, A.J. & Pagano, M., 1998. "Collateral vs. Project Screening: a Model of Lazy Banks," Papers 9807, Centro de Estudios Monetarios Y Financieros-.
18. Antti Kauhanen & Hannu Piekkola, 2002. "Profit Sharing in Finland: Earnings and Productivity Effects," Discussion Papers 817, The Research Institute of the Finnish Economy. [Downloadable!]
19. Juha Forsström & Juha Honkatukia, 2002. "Energiaverotuksen kehittämistarpeet Kioton pöytäkirjan toteuttamiseksi," Discussion Papers 800, The Research Institute of the Finnish Economy. [Downloadable!]
20. Holmstrom, Bengt & Tirole, Jean, 1997. "Financial Intermediation, Loanable Funds, and the Real Sector," The Quarterly Journal of Economics, MIT Press, vol. 112(3), pages 663-91, August.
    Other versions:
    • Holmström, Bengt & Tirole, Jean, 1994. "Financial Intermediation, Loanable Funds and the Real Sector," IDEI Working Papers 40, Institut d'Économie Industrielle (IDEI), Toulouse.
    • Bengt Holmstrom & Jean Tirole, 1994. "Financial Intermediation, Loanable Funds and the Real Sector," Working papers 95-1, Massachusetts Institute of Technology (MIT), Department of Economics.
21. Reijo Mankinen & Petri Rouvinen & Pekka Ylä-Anttila, 2002. "Palveluiden tuottavuus - kilpailu ja teknologia muuttavat rakenteita," Discussion Papers 829, The Research Institute of the Finnish Economy. [Downloadable!]
22. van Damme, Eric, 1994. "Banking: A Survey of Recent Microeconomic Theory," Oxford Review of Economic Policy, Oxford University Press, vol. 10(4), pages 14-33, Winter.
23. Ari Hyytinen & Otto Toivanen, 2002. "Misuse and Non-use of Information Acquisition Technologies in Banking," Discussion Papers 823, The Research Institute of the Finnish Economy. [Downloadable!]
24. Elina Rissanen, 2002. "Reflections of Globalisation - The Influence of Economics Factors on the International Development Assistance Allocations," Discussion Papers 802, The Research Institute of the Finnish Economy. [Downloadable!]
25. Olavi Rantala, 2002. "Kansantalouden ja toimialojen pitkän ajan kasvu - Vertailua ilmastostrategian BAU-skenaarioon," Discussion Papers 807, The Research Institute of the Finnish Economy. [Downloadable!]
26. Bhattacharya Sudipto & Chiesa Gabriella, 1995. "Proprietary Information, Financial Intermediation, and Research Incentives," Journal of Financial Intermediation, Elsevier, vol. 4(4), pages 328-357, October. [Downloadable!] (restricted)
27. Jukka Liikanen & Paul Stoneman & Otto Toivanen, 2002. "Intergenerational Effects in the Diffusion of New Technology: Case of Mobile Phones," Discussion Papers 809, The Research Institute of the Finnish Economy. [Downloadable!]
28. Bhattacharya Sudipto & Thakor Anjan V., 1993. "Contemporary Banking Theory," Journal of Financial Intermediation, Elsevier, vol. 3(1), pages 2-50, October. [Downloadable!] (restricted)
29. Boot, Arnoud W A & Thakor, Anjan, 1997. "Can Relationship Banking Survive Competition?," CEPR Discussion Papers 1592, C.E.P.R. Discussion Papers. [Downloadable!] (restricted)
    Other versions:
    • Arnoud W.A. Boot & Anjan V. Thakor, 1998. "Can Relationship Banking survive Competition?," Tinbergen Institute Discussion Papers 98-038/2, Tinbergen Institute.
    • Arnoud W. A. Boot & Anjan V. Thakor, 2000. "Can Relationship Banking Survive Competition?," Journal of Finance, American Finance Association, vol. 55(2), pages 679-713, 04. [Downloadable!] (restricted)
30. Hannu Piekkola, 2002. "From Creative destruction to Human Capital Growth: Wage Dispersion Effects in Finland," Discussion Papers 822, The Research Institute of the Finnish Economy. [Downloadable!]
31. Harris, Milton & Holstrom, Bengt, 1982. "A Theory of Wage Dynamics," Review of Economic Studies, Blackwell Publishing, vol. 49(3), pages 315-33, July. [Downloadable!] (restricted)
    Other versions:
    • Milton Harris & Bengt Holmstrom, 1981. "A Theory of Wage Dynamics," Discussion Papers 488, Northwestern University, Center for Mathematical Studies in Economics and Management Science. [Downloadable!]
32. Heli Koski & Tobias Kretschmer, 2002. "Entry, Standards and Competition : Firm Strategies and the Diffusion of Mobile Telephony," Discussion Papers 824, The Research Institute of the Finnish Economy. [Downloadable!]
    Other versions:
    • Heli Koski & Tobias Kretschmer, 2004. "Entry, Standards and Competition: Firm Strategies and the Diffusion of Mobile Telephony," Review of Industrial Organization, Springer, vol. 26(1), pages 89-113, November. [Downloadable!] (restricted)
33. Hyytinen, A. & Takalo, T., 2000. "Enhancing Bank Transparency: a Re-assessment," University of Helsinki, Department of Economics 492, Department of Economics.
    Other versions:
    • Hyytinen , Ari & Takalo, Tuomas, 2000. "Enhancing Bank Transparency: A Re-assessment," Research Discussion Papers 10/2000, Bank of Finland. [Downloadable!]
    • Ari Hyytinen & Tuomas Takalo, 2002. "Enchancing Bank Transparency : A Re-assessment," Discussion Papers 828, The Research Institute of the Finnish Economy. [Downloadable!]
34. Jyrki Ali-Yrkkö & Raine Hermans, 2002. "Nokia in the Finnish Innovation System," Discussion Papers 811, The Research Institute of the Finnish Economy. [Downloadable!]
35. Laura Ehrlich, 2002. "The EU Single Market and Customs Policy: Impact on Estonian Foreign Trade," Discussion Papers 797, The Research Institute of the Finnish Economy. [Downloadable!]
36. Bouckaert, Jan & Degryse, Hans, 2001. "Borrower Poaching and Information Display in Credit Markets," CEPR Discussion Papers 2936, C.E.P.R. Discussion Papers. [Downloadable!] (restricted)
    Other versions:
    • Bouckaert, J. & Degryse, H., 2001. "Borrower poaching and information display in credit markets," Discussion Paper 41, Tilburg University, Center for Economic Research. [Downloadable!]
37. Ari Hyytinen & Otto Toivanen, 2002. "Does Distance Matter in Deposit Supply? A Banklevel Study," Discussion Papers 814, The Research Institute of the Finnish Economy. [Downloadable!]
38. Raine Hermans & Terttu Luukkonen, 2002. "Findings of the ETLA Survey on Finnish Biotechnology Firms," Discussion Papers 819, The Research Institute of the Finnish Economy. [Downloadable!]
39. Jussi V. Koivisto & Matti Lampinen, 2002. "Comparative Analysis of Finno-Sinic Management: In-Depth Study of the Dimensions of Cross-Cultural Friction and Synergy in Management of Finnish Firms in Hong Kong," Discussion Papers 808, The Research Institute of the Finnish Economy. [Downloadable!]
40. Tarmo Valkonen, 2002. "Demographic Uncertainty and Taxes," Discussion Papers 816, The Research Institute of the Finnish Economy. [Downloadable!]
41. Elina Rissanen, 2002. "Foreign Aid Policies - Comparing Finland and ireland," Discussion Papers 803, The Research Institute of the Finnish Economy. [Downloadable!]
42. Ari Hyytinen & Mika Pajarinen, 2002. "Small Business Finance in Finland. A Descriptive Study," Discussion Papers 812, The Research Institute of the Finnish Economy. [Downloadable!]
43. Caminal, Ramón & Matutes, Carmen, 1997. "Can Competition in the Credit Market be Excessive?," CEPR Discussion Papers 1725, C.E.P.R. Discussion Papers. [Downloadable!] (restricted)
    Other versions:
    • Ramon Caminal & Carmen Matutes, 2002. "Can competition in the credit market be excessive?," UFAE and IAE Working Papers 527.02, Unitat de Fonaments de l'Anàlisi Econòmica (UAB) and Institut d'Anàlisi Econòmica (CSIC). [Downloadable!]
44. Spence, A Michael, 1973. "Job Market Signaling," The Quarterly Journal of Economics, MIT Press, vol. 87(3), pages 355-74, August. [Downloadable!] (restricted)
45. Ari Hyytinen & Mika Pajarinen, 2005. "External Finance, Firm Growth and the Benefits of Information Disclosure: Evidence from Finland," European Journal of Law and Economics, Springer, vol. 19(1), pages 69-93, January. [Downloadable!] (restricted)

Cited by:
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1. Tomi Hussi, 2003. "Reconfiguring Knowledge Management. Combining Intellectual Capital, Intangible Assets and Knowledge Creation," Discussion Papers 849, The Research Institute of the Finnish Economy. [Downloadable!]
2. Lotta Väänänen, 2003. "Does Public Funding Have a Halo Effect?," Discussion Papers 853, The Research Institute of the Finnish Economy. [Downloadable!]
3. Erkki Koskela & Matti Viren, 2003. "Government Size and Output Volatility: New International Evidence," Discussion Papers 857, The Research Institute of the Finnish Economy. [Downloadable!]
4. Pekka Ilmakunnas & Mika Maliranta, 2003. "Technology, Labor Characteristic and Wage-productivity Gaps," Discussion Papers 860, The Research Institute of the Finnish Economy. [Downloadable!]
   Other versions:
   • Pekka Ilmakunnas & Mika Maliranta, 2005. "Technology, Labour Characteristics and Wage-productivity Gaps," Oxford Bulletin of Economics and Statistics, Department of Economics, University of Oxford, vol. 67(5), pages 623-645, October. [Downloadable!] (restricted)
5. Kari Alho, 2003. "The Impact of Regionalism on Trade in Europe," Discussion Papers 843, The Research Institute of the Finnish Economy. [Downloadable!]
6. Marianne Paasi, 2002. "Economics of Collective Benchmarking - Learning in Research and Innovation Policy," Discussion Papers 836, The Research Institute of the Finnish Economy. [Downloadable!]
7. Heli Koski & Carolina Sierimo, 2003. "Entry and Exit in the ICT Sector - New Markets, New Industrial Dynamics?," Discussion Papers 847, The Research Institute of the Finnish Economy. [Downloadable!]
8. Markku Stenborg, 2002. "Economics of Joint Dominance," Discussion Papers 834, The Research Institute of the Finnish Economy. [Downloadable!]
9. Kari Alho, 2002. "The Equilibrium Rate of Unemployment and Policies to Lower It: The Case of Finland," Discussion Papers 839, The Research Institute of the Finnish Economy. [Downloadable!]
10. Esa Viitamo, 2003. "Knowledge-intensive Services and Competitiveness of the Forest Cluster," Discussion Papers 845, The Research Institute of the Finnish Economy. [Downloadable!]
11. Gregory Amacher & Erkki Koskela & Markku Ollikainen, 2003. "Quality Competition and Social Welfare in Markets with Partial Coverage: New Results," Discussion Papers 851, The Research Institute of the Finnish Economy. [Downloadable!]
12. Pekka Ilmakunnas & Mika Maliranta, 2003. "Worker Inflow, Outflow, and Churning," Discussion Papers 861, The Research Institute of the Finnish Economy. [Downloadable!]
    Other versions:
    • Pekka Ilmakunnas & Mika Maliranta, 2005. "Worker inflow, outflow, and churning," Applied Economics, Taylor and Francis Journals, vol. 37(10), pages 1115-1133, June. [Downloadable!] (restricted)