一、中文部分:
1 .蔡有財，商業銀行流動性管理之研究，台北市銀行經濟研究室，民國70年6月。
2. 章俊明，合會的新貌一消費性貸款，中小企銀季刊第12卷第15期，民國74年。
3. 中華徵信所，台灣區商品分期付款銷貨制度研究，民國58 年4月。
4. 羅志莊，一位美國銀行家對消費性貸款之看法，銀行消費者貸款實務修訂版，財團法人金融仲研究訓練中心編印，民國75 年。
5. 授信實務，基層金融研究訓練中心編印，民國77 年6月。
6. 劉壽祥、李貳連，臺灣省家庭承貸消費者貸款意願調查分析，企銀季刊第9 卷第1 期，民國74 年7月。
7. 吳碧珠，金融自由化與銀行風險管理，今日合庫第14卷第9期，民國77年9月。
8. 陳紹興，漫談信用評等，國民金融第7 卷第6期，民國73年6月。
9. 陳石進，銀行管理與經營，三民書局，民國67年5月。
10. 王清福、孟敏享，何明星，理財在銀行金錢出版社，民國79 年4月。
11. 簡安泰，消費者信用評分制度之研究，政大企管所碩士論文，民國60年6月。
12. 彭百顯，金融服務需求調整對我國金融發展的影響，儲委會金融研究叢書，民國73年9月。
13 黃勝一，消費者貸款還款方式之探討，今日合庫，第14卷第8期，民國77年8月。
14. 楊燦煌，利息、分期付款、養老金的計算，書泉出版社，民國78年7月。
15. 趙冠，商用數學，幼獅書局，民國60 年。
16. 合庫「消費者貸款手冊」民國79 年12月。
17. 授信實務(上)合作金庫員工訓練中心，民國79年1月。
18. 沈臨龍，我國銀行國際化之發展與政策之研究，財政部金融司儲委會金融研究小組編印，民國77年10月。

二、英文部分:
1 .Adam Smith, The Wealth of Nations, 1776.
2.Baughn, W. H and Walker, C.E, editors, The Bankers Hand book, Dow Jones-Irwin, 1996.
3.BR. Surriranta, The Shiftability Theory of Banking Liquidity, Economic Essays in Honor of Gusiar Cassel, October 20th, 1933.
4.Douglas Anderson Hayes, Bank Funds Management, Issues and Practices, The University of Michigan, 1981.
5.D.R. Hodgman, Commercial Bank Loan and Investment Policy, Univ of Illionois, 1963.
6.Emmanel N. Ranssakis, Management Commercial Banks Funds, New York, Prager Publisher Inc., 1977.
7.F.c, James, The Economics of Money, Credit and Banking 12nd, 1935.
8.Geoffrey H. Moore, "Change in the Quality of Credit, The Quality of Credit in Booms and Depressions, Journal of Finance, VoI.XI, No.2. May 1956.
9.Glenn G. Munn, Ency Clopedia of Banking and Finance, Eighth Edition, Banker's Publishing Company, Boston, Mass. 1984.
10.H.E. Zarker, Conversion of Commercial Bank Funds, Bankers Publishing Company, 1957.
11.Howard D. Crosse and George H. Hampel, Management Policies for Commercial Banks, New Jersey , Prentice-Hall Inc. Englewood Cliffs, 1973.
12.Instructions for the preparation of report of condition by state member bankers of Federal Reserve System, Board of Governors of FRS, Washington D.C., 1969.
13.Jams L. Pierce, Commercial Bank Liquidity, Federal Reserve Bulletin August 1966 .
14.John A Haslem, Bank Portfolio Management Concepts of Bank Funds Management, The Bankers Magazine, Vol.165, No.3,sep 1960.
15.Consumer Installment Credit, Journal of Finance Vol. XV, No.3, Sep. 1960.
16.L . A. Rufener, Money and Banking in the U.S . , 1934 .
17.L. Delog, Employment of Bank Funds, In Analytical Method sin Ban king, ed, by K. J. Cohen &F.S. Hammer, Richard D. Irwin, In. 1966.
18. Paul F. Jessup, Innovations in Ban k Management -Selected Readings, New York, Holt Rinehart and Winston Inc. 1969.
19.Raymond P. Kent Money and Banking, Third ed. Rinehart and Company, Inc, New York, 1957.
20.R.D. Kilborne, Principles of Money and Banking , 3nd, 1932._
21.Reed, E.D. Commercial Bank Management, Harper and Row, 1963.
22.Richard L. Peterson, and Charles A. Luckett, Determinants of Delinguency Rates 1951~1974, Journal of Consumer Credit Management, Fall 1978.
23.R. I Robinson, The Management of Bank Funds, 2nd, N.Y. Mcgraw-Hill Book company, 1963.
24.Robert H. Cole, Consumer and Commercial Credit Management, 5th ed, Iillinois Richard D. Irwin , Inc, 1976.
25.Sherman T. Maisel, Risk and Capital Adequacy in Commercial Banks, Chicago: The University of Chicago Press Ltd, London, 1981.
26.Steven C. Whell Wright Spyros Makridokis, Forcasting Methods for Management, Awiley Interscience Publication, 2Ed.
27.T. Tooke, An Inquiry into the Currency Principle, 1844.
28.L.W. Mint, A History of Banking Theory, Univ. of Chicago Press . . 1945.
29.Wihnbms, Fred T., Heimerl, Ramon P., and Jelly , Herbert M. "consumer Economics, third ed. McGraw-Hill Book company, 1966.
30.Yair E. Orgler, Analytical Methods in Loan Evaluation, D.C. Health and Company, 1975.