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论文作者:英语论文论文属性:调研报告 Research Proposal登出时间:2014-11-07编辑:zcm84984点击率:20081
论文字数:5725论文编号:org201411062253073573语种:英语 English地区:新西兰价格:免费论文
摘要:本文是一篇留学生银行满意度调查论文,一个借款人在个人银行的关系中面临着转换成本;如果它最先的银行是处于财务危机的,从一个单一贷款方贷款,将会耗资巨大。
An empirical model was proposed for the strategic behavior of firms in the presence of switching costs. The models used the transition probabilities that are in strategic interaction of firms in order to derive equations that can be estimated. The proposed model’s novelty is its ability in extracting information for both the significance and magnitude of the switching cost. It can also extract information on the transition probabilities of the customers. In order to illustrate the model was utilized to a panel of banks in order to estimate the switching costs of bank loans in the market. We have found that the grand average point estimate of switching costs is about 4.1%, and may be as low as 0.2% when only banks with the largest loan portfolio are included in the definition of the market. When the market is defined according to the branch-network size the switching cost among the largest banks is about 2.1%. 23% of the customer’s added value is due to the phenomenon of lock in that is generated by the switching costs. As much as 35.0% of the bank’s market share is because of the bank-borrower relationship that is already established. The model estimates imply an average duration of bank–customer relationship of 13.5 years. All the above characteristics exhibit lower values for the group of larger banks whose loan portfolio is dominated by more mobile wholesale customers.
To summarize, market bank loans’ switching costs are quite substantial and constitute a significant portion of the value of a marginal customer to the average firm. The presented technique may be applied to other markets in order to gain insight into the empirical regularity of switching costs.
The major contribution from this study is that switching barriers affect significantly the level of customer retention, and also affect the relationship between customer satisfaction and customer retention. It does seem that switching costs could be used to predict consumers’ behaviour in the banking sector. Customer satisfaction has positive effects on the customer retention. Thus, manager may need to emphasize total satisfaction programme in an attempt to retain customers in the competitive banking market.
However, the moderating role of switching barriers in the relationship b本论文由英语论文网提供整理,提供论文代写,英语论文代写,代写论文,代写英语论文,代写留学生论文,代写英文论文,留学生论文代写相关核心关键词搜索。