Teija Laitinen Professor School of Accounting and Finance, Accounting firstname.lastname@uwasa.fi +358 29 449 8444 Yliopistonranta 10, 65200 VaasaFabriikki Download my contact information in vCard format. Publications and expert tasks » SoleCRIS Research Database Articles Is the company likely to go bankrupt? – Innovative credit rating model assesses SMEs