著者名,書名,版表示,出版者名,出版年,シリーズ名,番号,ISBN,ISSN,URL
"Snellman, Jussi and Vesala, Jukka and Humphrey, David B.",Substitution of noncash payment instruments for cash in Europe,,Bank of Finland,2000,Bank of Finland discussion papers,,9516866476,,https://cir.nii.ac.jp/crid/1130282269299940352