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1.
This paper investigates the relationship between bank competition and stability in Sub-Saharan Africa. Using financial statements on 221 banks from 33 countries over the period 2000–15, we provide evidence for a U-shaped relationship between bank competition and credit risk. Up to a certain threshold, higher levels of bank competition are associated with lower credit risk. Above this threshold, more competition increases credit risks as the positive effects of competition are outweighed by the adverse effects of rising competition. The optimal threshold appears to be higher for African banks compared to banks from developed countries. We also find that credit risk in Sub-Saharan Africa is not only related to macroeconomic determinants, such as growth, public debt, economic concentration and financial development, but also to the business and regulatory environment. In particular, bank risks appear to be lower in countries where credit registry coverage is higher and the tenure of supervisors is shorter. 相似文献
2.
我国运输服务贸易竞争力的国际比较 总被引:20,自引:0,他引:20
我国运输服务贸易逆差连年增大且这种状况在短期内仍将持续,本文基于进出口数据对我国运输服务贸易的国际市场占有率指标、显示性比较优势指数、贸易专业化指数进行了国别比较。分析表明,我国运输服务贸易出口竞争力极弱。在服务贸易自由化趋势下,作为我国服务贸易重要项目的运输服务业要改变其落后的地位,必须从贸易体制、政府作为、行业协会、人才培养等各方面着手进行改善,以满足运输服务贸易进一步发展的要求。 相似文献
3.
商业信用是企业特别是受到信贷约束的中小私有企业获得外部融资的一种重要方式。利用2004—2008年中国制造业上市公司数据,分析市场竞争与银行贷款对上市公司商业信用的影响。结果显示:市场竞争和应收账款正相关,和应付账款负相关;随着银行贷款的增加,企业的应收和应付账款都有所增加。 相似文献
4.
Fernando A. F. Ferreira Marjan S. Jalali João J. M. Ferreira Jelena Stankevičienė Carla S. E. Marques 《Service Business》2016,10(3):469-487
Using fuzzy cognitive mapping, this study aims to create a holistic framework whereby the determinants of bank branch service quality and their cause-and-effect relationships can be identified and dynamically analyzed. The methodology is applied using a group of experts from the banking industry in Portugal. Our results not only indicate the applicability and usefulness of the proposed approach, but identify human resource characteristics (which include collaborators’ personal and professional training) and management team technical skills as particularly relevant driving forces of bank branch service quality. The proposal holds great potential for the operational planning and improvement of bank branch service quality, which is a prime concern for bank administrators, bank branch collaborators, and society at large. Advantages and shortcomings of the framework are also reported. 相似文献
5.
《The Service Industries Journal》2013,33(3):153-164
A large body of empirical literature ascribes a high degree of responsibility by the service sector for the difficulties in lowering inflation in the Spanish economy in the 1980s and early 1990s. Despite the fact that most of the branches in this sector are characterised by their lower ability to increase productivity, service wages have increased at a similar rate to those of other activities that, however, have been able to generate constant growth in productivity. On the other hand, tertiary activities have been able to transmit the growth in wage costs to prices without this having significant repercussions on the amount demanded as they are more protected from international competition. In this context, the reasons why service growth is accused of being one of the key causes of price growth are understandable. Nevertheless, throughout the1990s, important changes have taken place due to the technological revolution of modern economies that have created a doubt that services are still for the most partly protected from competition. This article makes a comparative study of the evolution of wages in industry and services, finding initial evidence that tertiary wages are presenting in their evolution the lowest productivity of most of tertiary activities pressurised by greater competition, which is lowering the incidence on inflation of the sector and of the economy in general. 相似文献
6.
Danielle McCartan-Quinn Lecturer in Marketing Mark Durkin Head Aodheen O'Donnell Lecturer in Advertising 《The Service Industries Journal》2013,33(3):150-168
In today's increasingly competitive retail banking environment, banks are faced with the challenge of building and maintaining relationships with profitable customers while at the same time embracing technological change. So, while on the one hand increasing the role of technology in a services organisation can serve to reduce costs and often improve service reliability; on the other hand, organisations are acutely aware of the important role for personalised relationships in the delivery of their service proposition. This article reports on a qualitative research study into the perceptions of customers and staff of a large retail bank regarding the piloting of an interactive voice recognition (IVR) system. This system is regarded as a way for the case bank to benefit from technological advances, while still retaining its relationships with more profitable customers. To this end, the system was hoped to encourage lower net worth customers to increase their use of the bank's telephone banking facility, and allow branch staff, who would be freed from dealing with routine telephone enquiries, to deliver a better personalised service to high net worth customers. However, despite this rationale, the article reports the paradoxical situation that the system has been effectively rejected by customers and staff alike. The key objection is that relating to the perceived service discrimination between high and low net worth customers, the very rationale for which the IVR was introduced. 相似文献
7.
Diego AnzoateguiMaría Soledad Martínez Pería Martin Melecky 《Emerging Markets Review》2012,13(1):42-57
We analyze bank competition in Russia at different levels of aggregation. First, we compute a country-level measure of competition and compare it to that for similar-sized economies. Second, we contrast competition across different groups of banks in Russia. Third, we analyze bank competition across Russian regions. We find that banks in Russia are less competitive than those in Brazil, but more so than those in China and India. Large and state-owned banks exert more market power than others. Finally, competition is stronger in regions where there is less bank concentration, greater presence of banks, and greater financial and/or economic development. 相似文献
8.
William C. Hunter 《心理学和销售学》1995,12(8):751-764
This article provides novel empirical evidence on the cross-sectional variation of the productive efficiency of large banks relative to their service delivery systems. The analysis is conducted using data drawn from a sample of 118 large U.S. commercial banks for the years 1989 through 1991. The analysis reveals that centralized service delivery systems increase bank costs significantly. In no case was it found that centralized service delivery systems reduce costs, as is often envisioned by proponents of centralization. It is also found that centralized back-office operations tend to reduce costs significantly and are consistent with the existence of scale economies in bank back-office operations. © 1995 John Wiley & Sons, Inc. 相似文献
9.
《Services Marketing Quarterly》2013,34(1):147-167
The purpose of this research was to develop measures of concepts related to retail bank customers' perceptions of retail bank services delivery systems. The results of the research indicate four potentially important aspects of the retail bank services delivery system are (1) general bank personal service, (2) teller personal service, (3) reactton capacity , and (4) location convenience. The research results support the hypotheses that retail bank customers' perceptions of these issues may be related to customer satisfaction and intentions to do business with the bank in the future, intentions to purchase additional products and services, and intentions to give the bank a larger percentage of the customer's business. 相似文献
10.
In this paper, we unveil a disregarded benefit of product market competition for firms. We introduce the probability of bankruptcy in a simple model where firms compete à la Cournot and apply for collateralized bank loans to undertake productive investments. We show that the number of competitors and the existence of outsiders willing to acquire the productive assets of distressed incumbents affect the equilibrium share of investment financed by bank credit. Using a sample of Italian manufacturing firms, mostly small- and medium-sized enterprises (SMEs), we found evidence showing that the degree of product market competition is positively correlated with the share of investment financed by bank credit only when outsiders are absent. 相似文献
11.
Bijoy Rakshit 《International Journal of the Economics of Business》2019,26(2):283-313
AbstractThis paper measures the degree of bank competition in India using a sample of 70 commercial banks over the period 1996–2016. To assess the degree of competition, we estimate the market power of each bank in our sample employing three nonstructural measures: the Lerner index, the adjusted Lerner index, and the Boone indicator. Bank-wise and year-wise estimates of the marginal cost required in all these measures are obtained using the semi-parametric method. The paper further attempts to undertake a comprehensive assessment of competition in Indian banking and identifies various bank-specific, macroeconomic, structural, and contestability indicators, which are supposed to explain level and variation of the degree of competition over time. Empirical findings reveal that public-sector banks in India exercise a relatively higher degree of bank competition compared to private and foreign-sector banks. However, aggregate results support that the Indian banking system is competitive in general. Unlike the structure-conduct-performance paradigm, which advocates that a concentrated banking system impairs competitiveness, our findings reveal that concentration measures hardly exert any effect on bank competition. Rather, contestability measures play a significant role in the determination of bank competition. 相似文献
12.
城市商业银行异军突起,成为银行业发展最快的新生力量。为寻求长远发展,城市商业银行应进行战略成本管理。由于价值链分析是战略成本管理的核心,城市商业银行价值链中的战略环节包括研究开发、市场营销和客户服务环节,所以战略成本管理应围绕服务中小企业、实施金融产品差异化、开发战略联盟和发展网络银行四个方面进行。 相似文献
13.
In service industry, the subject of service quality remains crucial as business strive to maintain a comparative advantage in the marketplace. In aftermath of globalization, the operating environment for banking industry has become more dynamic and competitive. Banks have evolved to become diversified financial providers instead of traditional banking-only service providers. With bank placing emphasis on a mutually beneficial bank–customer relationship, customer loyalty must be pursued through repeat purchases. Central to achieving this is often the quality of services offered by the bank should satisfy the customer’s needs. This article attempts to identify any service gaps in Malaysian banking industry and to recommend effective strategies to close these service gaps from bank mangers’ and executives perspectives based on GAPs Model of Service Quality (GAPs Model). Using qualitative data collected from interviews with 30 bank managers and executives, this article provides effectives strategies to close each of the gaps in GAPs Model. It is hoped that the empirical evidences and recommendations provided in this article shed some light to management of banks to improve upon their customer service quality in order to benefit from customer satisfaction, customer loyalty and other behavioural outcomes which will lead to greater competitive advantage and profitability to the banks concerned. 相似文献
14.
Determinants of retail bank choice in Nigeria: a focus on gender-based choice decisions 总被引:1,自引:1,他引:0
Ogenyi Ejye Omar 《Service Business》2008,2(3):249-265
As the Nigerian retail banks customers become more sophisticated, it is now very important that retail banks determine the
factors that are important and relevant to the customers’ retail bank choice decisions. By using a survey of retail bank customers,
this study evaluates the relative importance attached to retail banks’ choice criteria used by male and female customers in
Nigeria. The results show that there are some differences in choice factors used by male and female customers in selecting
a retail bank for patronage. The recommendation is that bank managers should take both female and male market segments into
consideration when making retail bank strategic planning in order to become competitive. The findings can assist retail bank
managers in refining their marketing strategies as a means of overcoming the intense competition that exists in the Nigerian
banking system. 相似文献
15.
The mid 1990s has seen a very rapid growth in both the holding and use of debit cards in the UK. There are now just over 27 million debit cards issued in the UK under the marques Switch and Visa Delta. Debit card transactions immediately debit the account of the card holder. These transactions are acquired by a financial institution (the acquirer), who reimburses the retailer of the purchase sum minus a negotiated fee, the merchant service charge (MSC). In the UK the MSC is a fixed fee per transaction as opposed to credit card transactions that are levied as a percentage of the transaction value. The level of the fixed fee payments vary enormously from just a few pence for large corporate clients to anything up to 80 p for some small independent retailers. The authors of this paper were commissioned to undertake a research programme into retailer attitudes to card payment systems. This paper will outline the main implication of the research in terms of marketing the acquiring service to retailers and consequent relationship between acquirer and retailer. Relationship marketing can be seen as a return to a more traditional method of bank management, in terms of close relationships between banks and businesses. With the development of specialist sections and departments such as card services there may have been a more transactional marketing approach by the banks. Merchant acquirers should focus more attention on retention rather than recruitment and treat each customer as an individual. Factors other than price and technology, for example quality and customer service, should be emphasized to protect themselves from competition and to encourage long term customer loyalty. 相似文献
16.
Using a large panel of Italian firms, spanning the years from 1995 to 2003, this study investigates the relationship between
bank debt and non-financial SMEs’ performance, evaluating whether and to what extent this link is affected by the degree of
competition characterising the local credit market where firms operate. Controlling for inertia, unobserved heterogeneity
and the endogeneity of some performance determinants, we find that the (negative) impact of bank debt on firms’ performance
is weaker for firms running in more competitive banking markets. We interpret this result as evidence that a more intense
banking competition may lead to better credit conditions for small and medium-sized firms. 相似文献
17.
From 2006 to 2011, with the change in regulatory policies, most regions of China relaxed restrictions on the intercity branching of city commercial banks, which led to a significant increase in the number of nonlocal branches of city commercial banks. We assess the impact of this bank branching deregulation on the credit risk of the regional banking sector across 286 prefecture-level cities in China. We find that deregulation has increased the credit risk of the regional banking sector in host cities by intensifying competition and encouraging risk-taking behaviors such as “lowering lending criteria” and “attracting deposits with higher interest”. Moreover, this effect becomes more pronounced in regions with a higher initial level of the loan-to-deposit ratio and regions with a higher initial level of competition in the banking sector. 相似文献
18.
建立适应中资商业银行发展需要的CRM系统 总被引:1,自引:0,他引:1
赵淑英 《商业经济(哈尔滨)》2005,(1):72-73
加入WTO后 ,面对外资商业银行的挑战 ,中资商业银行为提高核心竞争力 ,借鉴国外银行在建立CRM系统 ,提高金融服务水平方面的先进经验 ,逐步引入CRM系统。我国商业银行目前CRM系统建设存在着许多误区 ,影响了CRM系统的效应。中资商业银行必须建立一套适合中资商业银行发展需要的CRM系统 ,并与改制、重组相结合才能真正发挥CRM系统的效应 ,提高与外资银行竞争的实力。 相似文献
19.
This study concerns the service quality topic in the retail bank sector. A sample of 209 retail bank clients was taken, measuring the performance of service quality attributes of their principle retail bank. Behavioral performance variables such as satisfaction, loyalty and customer perceived value were also measured. In a factor analyses the attributes were separated into three factors. These three independent factors explain a considerable amount of variability of a satisfaction–loyalty factor. On the other hand, they could not explain the superior perceived value; and no differences between the service quality performances of the bank brands were found. In conclusion, regardless of the degree of satisfaction and loyalty, the customer is not willing to pay more for banking services at his regular bank than he would at other brands. This implies that superior perceived value is not being achieved via service quality, which suggests a lack of differentiation between brands in this sector. 相似文献
20.
本文认为,随着网络技术的发展和网络用户的增加,我国C2C(消费者对消费者的电子商务)市场未来的竞争将更加体现在4C(客户、成本、便利、沟通)之争、物流之争和诚信之争上,但归根结底是用户之争。作为一种商业行为,C2C运营商还需不断完善技术,创新服务,在为客户创造更多价值的同时增强自身的竞争力。只有以客户为中心,致力于客户关系的有效管理,为用户提供更多的增值服务,才能真正赢得市场。 相似文献