English
Русский
Выпуск:
Страницы:
116-119
Код УДК:
336.713
Рубрика:
В последние десятилетия во многих странах страхование вкладов стало обязательным, что повышает общественное доверие к банковской системе. С учетом данного обстоятельства в статье моделируются стратегии ценообразования депозитных продуктов в контексте двухступенчатых решений: банк определяет ставку по депозитам и интенсивность рекламы, обеспечивая клиентскую лояльность и информационную дисперсию. Оптимальная ставка по депозитам формируется на основе эффективной рекламы, но банки с низкими ставками по депозитам не будут ее активизировать. Банки с высокими ставками по депозитам предпочитают использовать меньше рекламы, тогда как банки со средним уровнем ставок стремятся к ее интенсификации.
Файлы:
Список литературы:
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2. Meleis S., Solomon R. Retail Deposits: Pricing to win in a tight market // Bank Accounting & Finance. 2008. Vol. 22 (1). P. 26–38.
3. Farris P., Albion M. The impact of advertising on the price of consumer products // The Journal of Marketing. 1980. Vol. 14. P. 17–35.
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9. Baye M., Morgan J. Brand and price advertising in online markets // Management Science. 2009. No. 55 (7). P. 1139–1151.
10. Arnold M., Li C., Saliba C., Zhang L. Asymmetric market shares, advertising, and pricing: Equilibrium with an information gatekeeper // Journal of Industrial Economics. 2011. Vol. 59. P. 63–84.
11. Pinho P. The impact of deregulation on price and non-price competition in the Portuguese deposits market // Journal of Banking & Finance. 2000. Vol. 24 (9). P. 1515–1533.
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13. Rosen R. What goes up must come down? Asymmetries and persistence in bank deposit rates // Journal of Financial Services Research. 2002. Vol. 21 (3). P. 173–193.
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15. Wolken J., Derrick F. Advertising, market power and non-price competition: Evidence from commercial banking // Working Papers in Banking, Finance and Microeconomics. Board of Governors of the Federal Reserve System. 1986. No. 86-3. 48 p.
16. Keeley M. Deposit insurance, risk, and market power in banking // The American Economic Review. 1990. Vol. 80. P. 1183–1200.
2. Meleis S., Solomon R. Retail Deposits: Pricing to win in a tight market // Bank Accounting & Finance. 2008. Vol. 22 (1). P. 26–38.
3. Farris P., Albion M. The impact of advertising on the price of consumer products // The Journal of Marketing. 1980. Vol. 14. P. 17–35.
4. Mullineaux D., Pyles M. Bank marketing investments and bank performance // Journal of Financial Economic Policy. 2010. Vol. 2 (4). P. 326–345.
5. Örs E., Deyoung R. Advertising and Pricing at Multiple Output Firms: Evidence from US Thrift Institutions // FRB of Chicago Working Paper. 2004. No. 25. 35 p.
6. Bagwell K. The economic analysis of advertising // Handbook of Industrial Organization. 2007. Vol. 3. P. 1701–1844.
7. Butters G. Equilibrium distributions of sales and advertising prices // The Review of Economic Studies. 1977. Vol. 44 (3). P. 465–491.
8. Robert J., Stahl D. Informative price advertising in a sequential search model // Econometrica. 1993. Vol. 61 (3). P. 657–686.
9. Baye M., Morgan J. Brand and price advertising in online markets // Management Science. 2009. No. 55 (7). P. 1139–1151.
10. Arnold M., Li C., Saliba C., Zhang L. Asymmetric market shares, advertising, and pricing: Equilibrium with an information gatekeeper // Journal of Industrial Economics. 2011. Vol. 59. P. 63–84.
11. Pinho P. The impact of deregulation on price and non-price competition in the Portuguese deposits market // Journal of Banking & Finance. 2000. Vol. 24 (9). P. 1515–1533.
12. Sharpe S. The effect of consumer switching costs on prices: A theory and its application to the bank deposit market // Review of Industrial Organization. 1978. Vol. 12 (1). P. 79–94.
13. Rosen R. What goes up must come down? Asymmetries and persistence in bank deposit rates // Journal of Financial Services Research. 2002. Vol. 21 (3). P. 173–193.
14. Scott J. Nonprice competition in banking markets // Southern Economic Journal. 1978. Vol. 26. P. 594–605.
15. Wolken J., Derrick F. Advertising, market power and non-price competition: Evidence from commercial banking // Working Papers in Banking, Finance and Microeconomics. Board of Governors of the Federal Reserve System. 1986. No. 86-3. 48 p.
16. Keeley M. Deposit insurance, risk, and market power in banking // The American Economic Review. 1990. Vol. 80. P. 1183–1200.
