| 基于利率市场化的银行贷款竞争导向定价策略研究 |
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| 引用本文： | 陈天阁,周效东,方兆本.基于利率市场化的银行贷款竞争导向定价策略研究[J].运筹与管理,2005,14(1):101-104,56. |
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| 作者姓名： | 陈天阁 周效东 方兆本 |
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| 作者单位： | 中国科技大学,商学院,安徽,合肥,230052 |
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| 摘 要： | 本文着重对两个银行之间竞争导向定价策略博弈行为进行了分析，认为在利率管制条件下，银行难以运用利率杠杆在信贷市场进行有效竞争；利率市场化之后，监管者不再对利率进行约束，银行信贷竞争的广度和深度都会随之加大。因此价格竞争将是银行信贷市场竞争的常态。
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| 关 键 词： | 金融学 贷款定价 博弈论 利率市场化 完全信息 不完全信息 |
| 文章编号： | 1007-3221(2005)01-0101-04 |
Study on the Bank's Competitive-Oriented Pricing Strategy of Loan Based on the Interest Marketing |
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| CHEN Tian-ge,ZHOU Xiao-dong,FANG Zhao-ben.Study on the Bank''''s Competitive-Oriented Pricing Strategy of Loan Based on the Interest Marketing[J].Operations Research and Management Science,2005,14(1):101-104,56. |
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| Authors: | CHEN Tian-ge ZHOU Xiao-dong FANG Zhao-ben |
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| Abstract: | This article analyzes the game behavior of going-competition pricing tactics between two banks. On the condition of interest regulation, it is difficult for the bank to compete effectively in the credit market by way of interest lever. After marketing the interest, the regulator will not restrain the interest any more, and the scope and depth of bank's credit competition will also increase along with it. So loan pricing competition is the normality in market competition. |
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| Keywords: | finance loan pricing game theory interest marketing complete information incomplete information |
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