@book { ConsequencesofbaselIIforsmallandmidsizedenterprises,
    title = "Consequences of basel II for small and mid-sized enterprises",
    author = "Björn {Schlüter} and Sylvia {Albers} and Armin {Krenzer}",
    year = "2002",
    publisher = "Diplom.de",
    address = "Hamburg, Deutschland",
    doi = "10.3239/9783832455583",
    url = "https://m.diplom.de/document/221052"
}