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1 한재준 ; 소인환, "마이너스 금리와 은행 수익성 간의 관계 분석" 한국은행 24 (24): 55-88, 2018
2 홍광헌 ; 국찬표 ; 정영식, "국내 은행산업의 규모 및 범위의 경제에 관한 연구-선형스플라인 비용함수를 이용하여-" 한국재무학회 19 (19): 119-154, 2006
3 Friedman, M., "The optimum quantity of money. In the optimum quantity of money and other essays" Aldine 1-50, 1969
4 Mishikin F. S., "The economics of money, banking, and financial markets" Pearson 2015
5 Rogoff, K., "The curse of cash" Princeton University Press 2016
6 Bian, W., "The crowdingout effect of central bank digital currencies : A simple and generalizable payment portfolio model" 43 (43): 2021
7 Grodecka, A., "Private bank money vs central bank money: A historical lesson for CBDC introduction" Lund University Department of Economics 2021
8 Jia, P., "Negative interest rates on central bank digital currency" School of Economics, Nanjing University 2022
9 Diamond, P. A., "National debt in a neoclassical growth model" 55 (55): 1126-1150, 1965
10 Choi, S., "Measurement of economies of scale in Korean banking industry : A new approach" Finance and Economic Research Institute, Bank of Korea 1-24, 1997
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31 Friedman, M., "A program for monetary stability" Fordham University Press 1960