A note on the price- and cost structure of retail payment services in the Swedish banking sector 2002

被引：8

作者：

Gulbourg, Gabriela ^{[1
]}

Segendorff, Bjorn ^{[1
]}

机构：

[1] Sveriges Riksbank, SE-10337 Stockholm, Sweden

来源：

JOURNAL OF BANKING & FINANCE | 2007年 / 31卷 / 09期

关键词：

retail payments; two-part tariffs; private costs; price structure; economies of scale;

D O I：

10.1016/j.jbankfin.2007.01.025

中图分类号：

F8 [财政、金融];

学科分类号：

0202 ;

摘要：

We estimate private costs in the Swedish banking sector for the production of payment services and investigate to what extent the price structure reflects the estimated cost structure. We find that (i) banks tend to use two-part tariffs but (ii) variable costs are poorly reflected in transaction fees towards both consumers and corporate customers. (iii) There exist large cross subsidies between different payment services, foremost from acquiring card payments to cash distribution to the public, while payment services as a whole are not subsidized. (c) 2007 Elsevier B.V. All rights reserved.

引用

页码：2817 / 2827

页数：11