@book {
	author = {Kadlečík, Kristián and Markovič, Peter},
	title = {Hodnotenie kreditného rizika odberateľa},
	year = {2015},
	publisher = {Wolters Kluwer},
	isbn = {978-80-8168-252-0},
	doi = {},
	URL = {https://akademia.aspi.sk/kiadvany/72}
}