PHONEBANKING

被引：12

作者：

BOUCKAERT, J ^{[1
]}

DEGRYSE, H ^{[1
]}

机构：

[1] KATHOLIEKE UNIV LEUVEN,CTR ECON STUDIEN,B-3001 LOUVAIN,BELGIUM

来源：

EUROPEAN ECONOMIC REVIEW | 1995年 / 39卷 / 02期

关键词：

BANKING COMPETITION; INDUSTRIAL ORGANIZATION; APPLIED MICROECONOMICS;

D O I：

10.1016/0014-2921(94)00096-I

中图分类号：

F [经济];

学科分类号：

02 ;

摘要：

In a two-stage game, we study under what conditions banks offer phonebanking (first stage). In the second stage, they are competitors in the market for deposits. Offering the phone option creates two opposing effects. The first is a demand effect as depositors strictly prefer to manage some of their financial transactions by phone. The second (strategic) effect is that competition is increased as transaction costs are lowered. Universal phonebanking prevails when the demand effect dominates the strategic effect. Specialization can occur in that one bank offers the phone option while the other does not.

引用

页码：229 / 244

页数：16