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  1. BELÁS, Jaroslav - CIPOVOVÁ, Eva. Internal model of commercial bank as an instrument for measuring credit risk of the borrower in relation to financial performance (Credit Scoring and Bankruptcy Models). In Journal of Competitiveness : odborný vědecký časopis z oblasti managementu a ekonomiky. - Zlín : Fakulta managementu a ekonomiky Univerzity Tomáše Bati ve Zlíně. ISSN 1804-1728, 2011, no. 4, s.103-119.
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