Good article on a Millwall website (I know!) about Spurs use of the loan system. Does miss out that we dispanded our reserve team a couple of years ago, however does seem quite balanced.
http://www.newsatden.co.uk/2383-spurs-use-of-the-loan-system-is-unfair-on-clubs-and-players.html
http://www.newsatden.co.uk/2383-spurs-use-of-the-loan-system-is-unfair-on-clubs-and-players.html