中国商业银行跨行收费问题研究

发布时间：2018-01-04 08:42

本文关键词：中国商业银行跨行收费问题研究　出处：《贵州财经大学》2012年硕士论文　论文类型：学位论文

更多相关文章： 跨行收费 跨行费 附加费 交换费

【摘要】：近年,我国商业银行在部分城市提高跨行取款手续费的行为,引起了公众和舆论的质疑。消费者认为银行无权单方面提高跨行取款收费,且收费标准不透明,并有意利用霸王条款谋取暴利利润。与此同时,2011年各家银行年终各项数据显示银行的非利息收入增长迅速,手续费及佣金净收入大幅提高。本文以此为背景,研究跨行收费问题,希望能够进一步丰富我国商业银行中间业务收费的理论体系,同时对我国商业银行跨行收费问题提出有价值的启示意见,具有一定理论和实践意义。本文从介绍商业银行跨行收费基础理论入手,阐述了商业银行中间业务发展理论、商业银行服务费权限理论、商业银行中间业务定价策略理论。从以上三个方面介绍了银行中间业务的概念和中间业务收费的内容,对银行调整跨行收费的合理性进行了解释。其次,对国外商业银行的跨行收费情况进行了细致的分析,详细的阐述了国外学者对该国商业银行跨行收费的研究成果,并归纳总结,对我国商业银行跨行收费提出了几点启示：交换费和附加费的收取或提高将有利于增加ATM的布置,而跨行费的收取削弱了银行开设ATM的激励。最后,本文建立的理论模型借鉴了McAndrews(2001)模型设定的基础条件,同样以salop环形城市为框架设立参数,并对模型进行了改造与延伸。引入了消费者(客户)效用,通过使消费者效用最大化来计算银行由跨行取款所获得的利润,进而分析银行收取交换费与跨行费之间的直接关系。采用Hotelling分析框架,分析两个银行调整跨行费的博弈行为,研究银行由ATM跨行取款所获得的利润和各银行的客户份额的变化,讨论基于跨行取款所引致的银行竞争问题。
[Abstract]:In recent years, China's commercial banks in some cities to raise cross-bank withdrawal fees, caused public and public opinion questioned. Consumers believe that banks have no right to unilaterally raise cross-bank withdrawal charges, and the charging standards are not transparent. At the same time, at the same time, in 2011, the bank year-end data show that the bank's non-interest income is growing rapidly. The net income of commission and commission has been greatly increased. This paper studies the problem of inter-bank charges in order to further enrich the theoretical system of intermediate business charges of commercial banks in China. At the same time, it is of theoretical and practical significance to put forward some valuable enlightenments to the cross-bank charges of commercial banks in China. This paper begins with the introduction of the basic theory of cross-bank charging of commercial banks and expounds the theory of the development of intermediate business of commercial banks and the theory of service rights of commercial banks. From the above three aspects, this paper introduces the concept of intermediate business and the content of intermediate business charges, and explains the rationality of the adjustment of inter-bank charges. Secondly. This paper makes a detailed analysis on the cross-bank charges of foreign commercial banks, expounds in detail the research results of cross-bank charges of foreign commercial banks and summarizes them. This paper puts forward some enlightenments to the cross-bank charges of commercial banks in our country: the collection or increase of exchange fees and surcharges will help to increase the arrangement of ATM, while the collection of cross-bank fees will weaken the incentive for banks to set up ATM. Finally, the theoretical model established in this paper draws on the basic conditions of McAndrews 2001) model, and also takes the salop ring city as the framework to set up the parameters. And the model is modified and extended. The consumer utility is introduced to maximize the consumer utility to calculate the bank profits from inter-bank withdrawals. Then, the paper analyzes the direct relationship between the exchange fee and the cross-bank fee, and analyzes the game behavior of the two banks to adjust the cross-bank fee by using the Hotelling analysis framework. This paper studies the change of the bank's profit from the ATM inter-bank withdrawal and the customer share of each bank, and discusses the problem of bank competition caused by the cross-bank withdrawal.
【学位授予单位】：贵州财经大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

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