差异化竞争下商业银行不同价格策略的比较研究

基于空间竞争模型,通过图表和数量两种途径,比较了差异化竞争下商业银行采取不同价格策略时的相关情况.结果表明:采取不同的价格策略,商业银行的产品价格、利润、产量和社会福利呈现出不同的特征.在相同的差异化程度下,较之采取稳健型的价格策略,商业银行采取积极型价格策略时的利润和价格要高,但产量和单位距离单位消费者的社会福利额则要低.

The Comparative Study of Different Price Strategies of Commercial Banks under Differentiation Competition

Based on spatial competition model,through graph and quantity approaches,this paper analyzes commercial banks when adopting different price strategies under differentiation competition.The result shows that the properties of product prices、profits、output and social welfare of commercial banks vary with different price strategies.Under the same differentiation level,the profits and prices of commercial banks when adopting robust price strategy are higher than them when adopting positive price strategy.However the output and social welfare per distance per consumer of commercial banks are lower.