著者名,書名,版表示,出版者名,出版年,シリーズ名,番号,ISBN,ISSN,URL
"Avery, Robert B. and Calem, Paul S. and Canner, Glenn B. and Bank for International Settlements",Consumer credit scoring : do situational circumstances matter?,,Bank for International Settlements,2003,BIS working papers,,,,https://cir.nii.ac.jp/crid/1130000795787251584