【作者】 宋金奇；

【导师】 王富初；

【作者基本信息】 暨南大学 ， 国民经济学， 2003， 硕士

【摘要】 从“爱立信熊猫”倒戈事件和花旗银行上海分行收费事件入手，本文用变易成本经济学和博弈论讨论了银行产品竞争中的实质内容及其相应的竞争策略。文章首先对银行产品的概念进行了界定并阐述了我国银行业的产品现状、原因；然后用交易成本经济学分析了跟产品有关的一些理论，如规模经济，范围经济，产品生命周期和营销理论，因为他们直接或间接，长期或短期影响着银行的成本和收入，并提出了相应的竞争策略；最后用博弈论分析了银行产品的创新，并提出一个理论模型，说明了银行为什么创新，哪些银行会进行创新，并对银行产品创新进行预测。本文认为，国有商业银行缺少产品创新的动力，其产品很少有规模经济，但会有范围经济。银行在竞争中应该减少网点，多开发产品，改进服务质量。更多还原

【Abstract】 Begin with "Ericsson-panda’s changes sides in the war of banks" and "City Corp Fee". The dissertation discussed the real content and corresponding strategy in bank competition. First we define the concept and discuss current situation of product, reason of our bank’s product. Then we analyses some theory about product such as product life cycle, scale economy, scope economy and marketing theory, because they infect the bank’s cost and revenue directly/indirectly, permanently/temporary. At last we analyses innovation of bank product with game theory and give a model. The model denotes why banks innovate and which bank innovates. We forecast the product innovation. The dissertation concludes that our commercial banks don’t have the incentive in product innovation and scale economy but have scope economy. We should reduce bank branch, develop product as many as possible and improve service quality in the competition.更多还原