5Attanasio Orazio P., Pinelopi Koujianou Goldberg and Ekaterini Kyriazidou. Credit Constraints in the Market for Consumer Durables : Evidence from Micro Data on Car Loans[J]. International Economic Review, 2008,49(2).
6Ausubel Lawrence M.. The Failure of Competition in the Credit Card Market[J]. American Economic Review, 1991, 81(1).
7Deaton Angus.. Saving and Liquidity Constraints[J]. Econometrica, 1991, 59(5).
8Edelberg Wendy. Risk-based Pricing of Interest Rates in Household Loan Markets[R]. Board of Governors of the Federal Reserve System Finance and Economics Discussion Series,2003-62.
9Edelberg Wendy. Testing for Adverse Selection and Moral Hazard in Consumer Loan Markets[R]. Board of Governors of the Federal Reserve System Finance and Economics Discussion Series, 2004-09.
10Edelberg Wendy. Risk-based Pricing of Interest Rates for Consumer Loans[J]. Journal of Monetary Economics, 2006, 53(8).
