Jui-chuan della Chang Department of Applied Economics, National Chiayi University   Department of Applied Economics, National Chiayi University, No. 580 Sinmin Rd., Chiayi City, 60054 TAIWAN   jccdella@gmail.com             JEL Areas: E5 : Monetary Policy, Central Banking, and the Supply of Money and Credit: General E4 : Money and Interest Rates: General