4Ashraf, Nava, Dean S. Karlan, and Wesley Yin. 2006. Tying Odysseus to the Mast: Evidence from a Commitment Savings Product in the Philippines[J], Quarterly Journal of Economics, 2: 635-672.
5Bair, Sheila. 2005. Low-Cost Payday Loan: Opportunities and Obstacles [M]. The Annie E. Casey Foundation, June.
6Caskey, John. 2005. Fringe Banking and the Rise of Payday Lending, in Bolton, Patrick and Howard Rosenthal eds, Credit Markets for the Poor[M]. New York: Russell Sage Foundation,
7Gross, David B. and Souleles. 2002. Nicholas S. Do Liquidity Constraints and Interest Rates Matter for Consumer Behavior? Evidence from Credit Card Data[J]. Quarterly Journal of Economics, 117:149-85.
8King, Uriah, Leslie Parrish, and Ozlem Tanick. 2006. Financial Quicksand: Payday lending sinks borrowers in debt with $4.2 billion in predatory fees every year[R]. Center for Responsible Lending, Nov. 30.
9Laibson, David. 1997. Golden Eggs and Hyperbolic Discounting[J]. Quarterly Journal of Economics, 2: 443-77.
10Meltzer, Brian. 2007. The Real Costs of Credit Access: Evidence from the Payday Lending Market [R]. University of Chicago Graduate School of Business Working Paper.