@article {Poon:April 2003:0378-4266:593,
	author = "Poon W.P.H.",
	title = "Are unsolicited credit ratings biased downward?",
	journal = "Journal of Banking and Finance",
	volume = "27",
	year = "April 2003",
	abstract = "",
	pages = "593-614(22)",
	url = "http://www.ingentaconnect.com/content/els/03784266/2003/00000027/00000004/art00253"
	doi = "doi:10.1016/S0378-4266(01)00253-9	"
}