Information Problems and Banks' Specialization in Short-Term Commercial Lending: New England in the Nineteenth Century

Naomi R. Lamoreaux, Inside the Business Enterprise: Historical Perspectives on the Use of Information (University of Chicago Press, 1991), chap. 5, https://www.nber.org/books-and-chapters/inside-business-enterprise-historical-perspectives-use-information/information-problems-and-banks-specialization-short-term-commercial-lending-new-england-nineteenth.