银行市场排斥的实证模型

Parmendra Sharma, Mahendra Reddy
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引用次数: 4

摘要

在更高利润激励的推动下,银行的营销策略越来越倾向于排除社会经济方面的零售市场部分。具有讽刺意味的是,这些策略现在被视为具有盈利能力和社会责任的含义。以前很少尝试量化银行服务获取与起到威慑作用的决定因素之间的关系,以提高对每个决定因素的排他性影响程度及其相关影响的一般理解。本研究使用Probit模型和通过对亚太地区一个发展中经济体的初步研究收集的数据来检验量化的关系。结果表明,银行驱动的定价策略可能对其他因素具有压倒性影响。分析表明,通过自愿重新考虑定价和其他银行驱动的排他性策略,可以增加利润,减少社会经济排他性效应,改善社会形象。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Empirical Modelling of Bank Market Exclusion
Driven by higher profit incentives, banks’ marketing strategies have tended increasingly to exclude sections of the retail market on socio‐economic lines. Ironically, these strategies are now seen to have profitability and social responsibility implications. Little previous attempt has been made to quantify the relationship between bank service access and the determinants that act as deterrents, to improve general understanding of the extent of exclusionary influence of each determinant and the relevant implications. This study examines quantified relationships using the Probit model and data collected through primary research from a developing economy in the Asia Pacific region. Results show that bank‐driven pricing strategies may have an overriding effect on other factors. The analysis demonstrates that profits may be increased, socio‐economic exclusionary effects reduced and social image improved by voluntarily reconsidering pricing and other bank‐driven exclusionary strategies.
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