<?xml version="1.0" encoding="UTF-8"?>
<xml><bibliography><APA>Pornpong Sakdapat และ Yuthana Sethapramote. (2018) Essays on credit risk measurement. National Institute of Development Administration:ม.ป.ท.</APA><Chicago>Pornpong Sakdapat และ Yuthana Sethapramote. 2018. Essays on credit risk measurement. ม.ป.ท.:National Institute of Development Administration;</Chicago><MLA>Pornpong Sakdapat และ Yuthana Sethapramote.  Essays on credit risk measurement.  ม.ป.ท.:National Institute of Development Administration, 2018. Print.</MLA></bibliography></xml>
