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英文部分：

1. Shruti Basavaraj (TMF Be ll), ”Free Sailing With Free
Cash flow”, 2006.

2. The American Bankers Associat ion. “A Banker’s Commercial
Loan Analysis”.
3. F.L.Patrone and Donald duBo is, “Financial Ratio Analysis

for the Small Business”, 1981.
4. Joseph E. Murphy, Jr., and M.F.M.Osborne, “Games of

Chance and the Probability of Corporate Profit or Loss”,
1979.
5. John Morgan and Nigel Og ilvie, “Industry Analysis: A

Tool to Diversify Loan Por tfolios and Manage Risk
Concentrations”, 1988.
6. Jasper H. Arnold III, “How to negotiate a term loan”.

7. Charles W. Mulford and Eugene E. Comiskey, “The
Financial Numbers Game: Dete cting Creative Accounting
Practices”.

8. Clyde P. Stickney and Pa ul R. Brown, “Financial
Reporting and Statement Analysis”.

9. John J. Wild, Leopold A. Be rnstein and K.R. Subramanyam,
“Financial Statement Analysis”.

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