39.Frankel A.S.Monopoly and Competition in the Supply and Exchange of Money[J].Antitrust Law Journal 66920,1998:313-361.
40.Howard Chang,David Evans,and Daniel D.Garcia Swartz.The Effect of Regulatory Intervention in Two sided Market:An As-sessment of Interchange fee Capping in Australia[J].Forthcoming in Review of Network Economics,September 26,2005.
41.Julian Wright.The Determinants of Optimal Interchange Fees in Payment Systems[C].Department of Economics working paper 220,University of Auckland,July 19,2001.
42.Lipsey R.G.and Kelvin Lancaster.The General Theory of the Second Best[J].Review of Economics Studies,Octoberr 1956,24(1):11-32.
43.Paul de Grauwe and Laura Rinaldi.A Model of the Card Payment System and the Interchange Fee[J].Monetary Policy and International Finance,October 2002.
44.Matthews H.Lee,and Solcum,John W,Jr.Social Class and Commercial Bank Card Usage[J].Journal of Consumer Re-search,September 1981,8:172-182.
45.Modigliani Franco.Life Cycle,Individual Thrift,and theWealth of Nations[J].American Economic Review,1986,76:297-313.
46.Richard Schmalensee R.Payment Systems and Interchange Fees[J].Journal of Industrial Economics,June 2000,50(2):103-122.
47.William F.Baxter.Bank Exchange of Transactional Paper:Legal and Economic Perspectives[J].Journal of Law and Econom-ics,October 1983,26(3):541-588.
48.Lillian Y.and Meeks Carol B.Effects of Low Income Fami-lies and Willingness to Use Consumer Credit on Subsequent Outstand-ing Credit Balances[J].The Journal of Consumer Affairs,1994,28(2):403-422.