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新西兰留学生银行满意度的research proposal [3]

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:19289

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

关键词:银行满意度调查留学生论文信贷枯竭开户银行

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。

the most programs launched by the banks is to reinforce the value proposition of the bank brand, to enhance loyalty toward the brand, not just toward the rewards. Relationship marketing strategy and relationship based loyalty programs are important to retail banking service providers, because it is a right way to build relationship and loyalty.


Furthermore, a conclusion is reached that retail banks are offering non-customized loyalty programs and that marketing specialists are not familiar enough with the factors that determine the choice of loyalty programs.


Based on the results, loan securitization can be utilized as a strategic tool to soften the competition in the loan market. Like all financially troubled firms, a bank’s debt pricing strategy is likely to be driven by the need to generate cash to boost liquidity to fund investments or to raise short term profitability. The deposit pricing strategy chosen however may not be uniform and instead will depend on institutional factors and also segmentation between different classes of deposit investors.


The most important institutional factor affecting pricing strategy of distressed banks is deposit insurance; the existence of fixed premium deposit insurance alters the nature of the more general creditor-owner conflict. For any distressed firm the incentive to generate funds to boost short-term profits or to gamble for survival exists; these funds in theory can be obtained directly through the financial markets. For most firms debt covenants make gambling difficult but for banks financing through depositors may be readily available to the extent deposit insurance exists. Because deposit insurance eliminates the incentive for depositors to monitor bank risk, it makes generating large amounts of funding, to use in risky investments, much easier. This seems to be, to a large extent what happened to financially distressed banks in U.K. during the time period studied.


But the fact that all dimensions of bank deposit rates do not increase with distress and the fact that some increase more than others suggests that deposit insurance does not seem to be the only factor affecting bank deposit pricing strategy. Differences between classes of depositors allow banks to tailor deposit pricing strategies to best obtain funding in the most cost-effective way. Distressed banks tend to increase deposit rates only for the most investment oriented depositors (non-transaction account depositors) and do not significantly raise rates for the least investment oriented depositors (transaction account depositors). Additionally, not fully insured investment oriented (large time) depositors tend to be offered rates higher than mostly insured investment oriented (non-transaction non-large time) depositors. Thus distressed banks offer a premium both based on the increased risk (if deposits are uninsured) and for depositors being more investment oriented. Past works have generally suggested that troubled banks bid up deposit rates in a gamble for survival or that they may have to offer higher rates for论文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。

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