<?xml version="1.0" encoding="UTF-8"?>
<xml><bibliography><APA>Wittaya Piya-Arayanan และ Sunti Tirapat. (2007) Credit rating change and change in firm’s probabilities of default. Chulalongkorn University:ม.ป.ท.</APA><Chicago>Wittaya Piya-Arayanan และ Sunti Tirapat. 2007. Credit rating change and change in firm’s probabilities of default. ม.ป.ท.:Chulalongkorn University;</Chicago><MLA>Wittaya Piya-Arayanan และ Sunti Tirapat.  Credit rating change and change in firm’s probabilities of default.  ม.ป.ท.:Chulalongkorn University, 2007. Print.</MLA></bibliography></xml>
