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"Why is credit rationed? Perhaps the most basic tenet of economics is that market equilibrium
entails supply equalling demand; that if demand should exceed supply, prices will rise, decreasing demand and/or increasing supply until demand and supply are equated more info"
Stiglitz, Joseph E., and Andrew Weiss. "Credit rationing in markets with imperfect information." The American economic review 71.3 (1981): 393-410.