This is a good topic to bring up.
My opinion would be that the reference should be near the image. This shows the most transparency and you really can't go wrong doing that.
Listing a URL as a link or using "Image Credit" should not matter.
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True. I'm more interested in making it as easy as possible to cite outside sources and also to not have a whole url cluttering up the bottom or near the picture. Maybe something you could see by hovering over a photo. Pictures maybe could eventually be dragged and dropped with the photo uploading to steemimg and copying the embed code instead of manually doing it. Similar to facebook. I think this is due to the size this would add instead of linking outside like we do now (I could be wrong in that).