@book{226720,
	author = {Xiao, Jing Jian. and SpringerLink (Online service)},
	title = {Handbook of Consumer Finance Research},
	publisher = {Springer New York},
	year = {2008.},
	address = {New York, NY},
	url = {http://dx.doi.org/10.1007/978-0-387-75734-6}
}