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![Cover for Michele Modina · Credit Rating and Bank-Firm Relationships: New Models to Better Evaluate SMEs - Palgrave Macmillan Studies in Banking and Financial Institutions (Hardcover Book) [1st ed. 2015 edition] (2015)](https://imusic.b-cdn.net/images/item/original/218/9781137496218.jpg?michele-modina-2015-credit-rating-and-bank-firm-relationships-new-models-to-better-evaluate-smes-palgrave-macmillan-studies-in-banking-and-financial-institutions-hardcover-book&class=scaled&v=1494336162)