e step (a) with the resulting carboxyl group in the phospholipid or lipid obtained in the above step (b),wherein said lipid or phospholipid is represented by the formulae: ##STR146## wherein R8 is hydrogen, R9 is an alkyl group, R10 is --CH???CHR6 or --COR7, wherein each of R6 and R7 is a C6-24 alkyl group and X is --CH2 CH2 N+ (CH3)3 or an inositol residue, and said glycosaminoglycan is selected