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一、中文部分：
(1)蔣碩傑，「台灣之利率問題」，台灣貨幣金融論文集，邱正雄主編，聯經出版社，民國六十四年，P305-23。
(2)_____，滙率、利率與經濟發展，劉大中伉儷逝世週年紀念會演講稿，六十五年八月十四日。
(3)何瑞坤，「台灣貨幣供需函數及其政策函義」，台北市銀月刊，第七卷第七期，六十五年七月，PP.9-22。
(4)陳木在，「台灣利率之研究」，台銀季刊，六十一年十二月，第廿三卷第四期，PP.38-70。(5)_____，「利率政策與利率結構」，財經月刊，六十三年九月，第廿四卷第九期。
(6)蘇雍秋譯，國際利率結構，(譯自瑞士聯邦銀行出版之International Survey of Interest Rate)，金融研究資料(60-1)，中央銀行經濟研究處編印，六十年三月，PP.5-6。
(7)蘇震，「台灣儲蓄性存款之研究」，台銀季刊，五十年九月，第十二卷第三期，PP.56-71。
(8)倪成彬，我國利率政策之演變，金融研究資料(56-3)，中央銀行經濟研究處，五十六年十二月，P.2。
(9)林麗珠，「全體銀行存款結構分析」，台北市銀月刊，第七卷第一期，六十五年一月，PP.27-49。
(10)管起予，利率政策簡論，台灣經濟建設社，五十五年五月。
(11)柳復起，台灣由通貨膨脹至經濟穩定的金融發展，經濟論文專著選刊之七，中央研究院經研所．，五十九年六月。
(12)_____，「台灣之貨幣需求」，台灣貨幣金融論文集，邱正雄主編，聯經出版社，六十四年，PP•
(13)王鶴松，「儲蓄與經濟發展」，國際經濟月刊，五十九年六月，第廿四卷第六期，PP.6-18。(14)周大中，「光復後台灣利率變動之歷史」，台灣經濟金融月刊，六十一年八月，第八卷第八期。
(15)錢純，「二十五年來台灣之金融」，現代金融月刊，六十年四月，第一卷第一期，PP.25-33。(16)程光蘅，「台灣之利率」，台銀季刊，五十八年三月，第二十卷第一期。
(17)彭百顯，定期存款比率關係之研究，中國文化學院經研所碩士論文，六十五年七月。(18)中華民國國民所得，行政院主計處編印，六十五年十二月。
(19)陳懋鴻，開發中國家影響儲蓄之決定因素探討，國立政治大學財政研究所碩士論文，六十六年七月。
(20)于宗先主編，台灣經濟發展重要文獻，聯經出版社，六十五年三月。
(21)許榮昌，「台灣優利存款之研究」，台灣銀行季刊，第五卷第四期，四十二年三月，PP.95-121。
二、英文部分
(1) Bailey , M.J. ""Saving and the Rate of Interest Journal of Political Econmics, Aug. 1957, PP.279-305。
(2)——, National Income and the Price Level, McGraw-Hill, New York, 1972, PP, 178-90 。(3) Bear, D.V. T. “The Relationship of Saving to the Rate of Interest, Real Income and Expected Future Prices “, Review of Eco,& Statistics , XLⅡ, Feb. 1961 PP. 27-36。
(4) Birdsall , W.C. and Goldstein , J. H. “ The Effect of Interest Rate Changes on Consumption Allocation Over Time “ International Eco. Review, June 1973, 14 , PP.487-92。
(5) Branson, W.H. Macroeconomic Theory and Policy, Harper & Row Inc, 1972。
(6) Bridge, J.L. Applied Econometrics, North -Holland Publishing Company, 1971。
(7) Buchaman, J.M. “Saving and the Rate of Interest” Journal of Political Economics, Feb 1959,PP.79-82。
(8) Chandavarkar, A.G. “Some Aspects of Interest Rate Policies in Less Developed Economies : The Experience of Selected Asian Countries “, I.M.F. Staff Paper, March 1971 ,PP. 48-112。
(9) Crockett , J. “ Income and Asset Effects on Consumption : Aggregate and Cross Sect ion “ Models of Income Determination, Studies in Income and Wealth, Vol.28 , Princeton,1964,PP.97-132。
(10) Darby, M. R. “The Permanent Income Theory of Consumption - A Restatement“ Quarter Journal of Eco., May 1974,PP. 228-50。
(11) Day, A.L.C, Outline of Monetary Economies, Oxford University Press, 1957, PP, 79-100。
(12) Draper, N.R. and Smith H., Applied Regression Analysis, 1966。
(13) Duesenberry, J., Income, Saving and the theory of Consumer Behavior, Cambridge :Harvard University Press, 1949 。
(14) El-Mokadem, A.M., Econometric Models of Personal Saving :The United Kingdom 1948-1966,Butterworths, London, 1973。
(15) Feldstein, M.S. and Tsiang S.C. “The Interest Rate, Taxation, and the Personal Savings incentive “ Quarter Journal of Eco., Aug 1968, PP. 419-34。
(16) Fisher, I., The Theory of Interest , Augustus M, Kelley Reprint, 1967。
(17) Friedman M., A Theory of the Consumption Function, Princeton : Princeton University Press for the National Bureau of Economic Research, 1957。
(18) Friend , I. and Taubman, P. “The Aggregate Propensity to Save : Some Concepts and Their Application to International Data “ Review of Eco. & Statistics, May 1966, 48,PP,113-23。
(19) Fu-Chi Liu, Essays on Monetary Development in Taiwan, China Committee for Publication Aid Price Awards, 1970。
(20) Goldsmith, R. W., A Study of Saving in the United States, Princeton University Press, Princeton N. J., Vol. 1 and 2, 1955, Vol. 3, 1956 。
(21) Gupta, K. L. “Personal Saving in Developing Nation : Futher, Evidence “.Eco.Record, June 1970, 46, pp. 243-49。
(22) _______, “On Some Determinants of Rural and Urban Household Saving Behavior” Eco. Record, Dec. 1970, 46, pp578-83。
(23) Houthakker, H. S. “On Some Determinants of Saving in Developed and Underdeveloped Countries” Problem in Eco. Development, ed. by E. A. G. Robinson, Macmillan, 1966. pp. 212-27。
(24)_______ and Taylor, L. D., Consumer Demand in the United States : Analysis and Projections. Harvard University Press, Cambridge, Massachusetts, 1970, pp. 273-7。
(25) Husby, R. D. “A Nolinear Consumption Function Estimated From Time - Series and Cross - Section Data” Review of Eco. & Statistics, Feb. 1970. pp.26 - 9。
(26) Irvine, R. T. and Emery, R. F. “Interest Rate as An Anti - Inflation Instrument in. Taiwan” National Banking Review, IV, Sep. 1966 [中央銀行譯印金融研究資料(56-1) ，五十八年元月] 。
(27) Johnson, D. W. and John, S. Y. Chiu “The Saving - income Relation in Underdeveloped and Developed Countries” Eco. Journal, June 1968. pp. 321 - 33。
(28) Keynes, J. M., The General Theory Employment, Interest and money New York, Brace and Co., 1936。
(29) Kmenta, J. Element of Econometrics, New York, Macmillan. 1971。
(30) Landau, L. “Saving Functions for Latin America” in H. C. Chenery ed. Studies in Development Planning, Harvard University Press, Cambridge, Massachusetts, 1971. pp. 299-321。
(31) Lovell, M. C., Marcoeconomis, John wiley & Sons Inc. New York, 1975。
(32) Mayer, T., Permanent Income, Wealth, and Consumption , University of California Press, Berkeley L. A., 1972。
(a33) _______, “Multiplier and Velocity Analysis: A Evaluation,” Journal of Political Eco. Dec. 1964, 72, pp. 563 - 74。
(34) Mikesell, R. F. and Zinser, J. E. “The Nature of Savings Function in Developing Countries: A
Survey of the Tieoretical and Empirical Literature” Journal of Eco. Literature, March 1973, 11, pp. 1 - 26。
(35) Miller, R. F. “The Theory of Household Saving Review of Eco. & Statistics, Feb 1963 pp. 1-15。
(36) Modigliani, F. and Ando, A., “The Life-Cycle Hypothesis of Saving: Aggregate Implication and Tests “ American Eco. Review, March 1963, 53. PP. 55-84。
(37) Patinkin ,D., Money, Interest, and Price, 2nd edition, New York, 1964。
(38) Robinson, R. I., Money and Capital Markets , McGraw- Hill Book Company, New York, 1964。
(39) Siegel, B,N., Aggregate Economics and Public Policy, Irwin Inca, 1960,PP.147-50。
(40) Somermeyer ,W.H. and Bannik R, A Consumption Savings Model and its Application, North -Holland Publishing Company, 1973。
(41)Swamy, S. “A Dynamic, Personal Savings Function and its Long-Run Implications“ Review of Eco. & Statistics, Feb. 1968 50,P1, 111-116。
(41) Taubman, P. “ Personal. Saving: A Time Series Analysis of Three Measures of the Same Conceptual Series,” Review of Eco. & Statistics, Feb 1968, 50, PP.125-28。
(42) _______. ”Permanent and Transitory Income Effects” Review of Eco. & Statistics, Feb. 1965,47,PP.38- 43。
(44) Thirlwall, A.P., Inflation Saving & Growth in Developing Economies, Macmillan Press, 1974,
(45) Thorn, R.S., Macroeconomics, John Wiley & Sons, Co. 1973, PP. 79-121。
(46) Tsiang S.C., “ Interest Rate and Consumption : A Comment “ International Eco, Review, June 1973, 14, PP. 493-6。
(47)_______, “A Model of Growth in Rostovian Stages“ Econometrica, Oct. 1964, 32, PP. 619-48。
(48) Wai, U Tun, Financial Intermediaries and National Savings in Developing Countries, Prager Publisher, New York, 1972。
(49) Weber, W.E. “The Effect of Interest Rates on Aggregate Consumption” American Eco, Review, Sep. 1970, 60, PP. 591-600。
(50) WilIamson, J.G. “Personal Saving in Developing National: An Inter- temporal Cross - Section from Asia “ Eco. Record, June 1968, 44, PP, 194-210。
(51) Wright, C. “Some Evidence on the Interest Elasticity of Consumption “ American Eco. Review, Sep. 1967, 57, PP. 850-54。
(52) _______, ”Saving and the Rate of Interest” in Harberger and Bailey eds. The Taxation of Income from Capital, Washington, D.C. Brookings Institution., 1969, PP.275-300。
(53) Zellner, A., Huang, D.S. and Chau, L.C, "" Futher Analysis of the Short Run Consumption with Emphasis on the Role of Liquid Assets"" Econometrica, July 1965, 33, PP. 571-81。