1999年莱德勒（Laidler）指出，加拿大自1979年起引入M1的新替代资产附息支票通知存款，也使得M1需求函数改变。
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Keith Laidler 莱德勒
Lending is growing in Latin America, but the region is still underbanked, says Laidler.
FORBES: Spend, Spend, Spend
But Laidler says positive loan growth and improving operating efficiency support a higher price for Unibanco.
Lending has been growing in Latin America, but the region is still underbanked, says JPMorgan's Laidler.
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