求:关于信用卡的研究文献(中外文均可)

1． Ausubel, Lawrence M., The Failure of Competition in the Credit Card Market, American Economic Review, 1991, 81(1):50-81
　　2． Ausubel, Lawrence M., Adverse Selection in the Credit Card Market, working paper, University of Maryland, 1999
　　3． Berlin, Mitchell and Mester, Loretta J., Credit Card Rates and Consumer Search, Review of Financial Economics, 2004,13:179-198
　　4． Brito Dagobert L. and Hartley Peter R., Consumer Rationality and Credit Cards, Journal of Political Economy, 1995,103:400-433
　　5． Calem, Paul S. and Mester, Loretta J., Consumer Behavior and the Stickiness of Credit-Card Interest Rates, American Economic Review, 1995, 85(5):1327-1336
　　6． Gross, David B. and Souleles Nicholas S., Do Liquidity Constraints and Interest Rates Matter for Consumer Behavior? Evidence From Credit Card Data, Quarterly Journal of Economics, 2002,117:149-185
　　7． Gross,David B. and Souleles Nicholas S., an Empirical Analysis of Personal Bankruptcy and Delinque