2Aizcorbe A, M Starr-McCluer, and J T Hick- man. The Replacement Demand for Motor Vehicles: Evidence from the Survey of Consumer Finance[R]. America: Federal Reserve Board, 2003.
3Ambrose B W, and A Sanders. Legal Restric- tions in Personal Loan Markets[J]. Journal of Real Es- tate Finance and Economics, 2005, (30): 17-20.
