4Arrau P, 1991, DE Gregorio J, Reibart C, Wickhamn P, "The Demand for Money in Developing Countries Assessing the Role of Financial Innovation" [R], IMF Working Paper, No.91/45.
5Berentsen Aleksander, 1998, "Monetary Policy Implication of Digital Money" [J], International of Social Science, Vol.51.Fasc. 1.
6David B. HaPhrey, Nov.1996,Lawrence B.Pul- ley, Jukka M.Vesala, "Cash,Paper and Electronic Payment: A cross-Country Analysis" [J], Journal of Money Credit and Banking, Vol.28, No.4.
7Dortsey M, 1985,"The Use of Electronic Funds Transfers to Capture the Effects of Cash Management Practices on the Demand Deposit: A note"[J], Journal of Finance, Vol.40,No.5.
8S.Goldfeld, 1979, "The Case of the Missing Money"[M], Princeton University.
