7Robb, C.A. , Sharpe, D.L. Effect of Personal Financial Knowledge on College Students' Credit Card Behavior [ J]. Journal of Financial Counseling and Planning, 2009, 20(1): 25-39.
8Veld-Merkoulova, Y.V. Investment Horizon and Portfolio Choice of Private Investors [ J ]. International Review of Financial Analysis, 2011,20(2) : 68-75.
9Schaupp, L. C. , Carter, L. , McBride, M. E. E-File Adoption: A Study of U. S. Taxpayers ' Intentions[J]. Computers in Human Behavior, 2010, 26(4) : 636 -644.
10Venkatesh, V., Morris, M.G., Davis, G. B. User Acceptance of Information Technology:Toward a Unified View [ J]. MIS Quarterly, 2003, 27 (3): 425 -478.