Payday Loans and Credit Cards: New Liquidity and Credit Scoring Puzzles?
利用发薪日贷款和信用卡数据，发现消费者在发薪日贷款后信用卡使用增加，且信用评分下降，挑战了传统流动性约束和信用评分理论。
Payday Loans and Credit Cards: New Liquidity and Credit Scoring Puzzles? by Sumit Agarwal, Paige Marta Skiba and Jeremy Tobacman. Published in volume 99, issue 2, pages 412-17 of American Economic Review, May 2009