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新西兰留学生银行满意度的research proposal [4]

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:19291

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。

uninsured depositors to compensate for the increased risk. The results suggest, that both explanations are partially correct in that they are both factors to varying degrees based on depositor class and that neither are significant factors for the least investment oriented depositors. The results provide fresh evidence that moral hazard is a issue in banking and moreover that it is increased by deposit insurance since distressed banks apparently raise rates less for investment oriented investors who have a larger portion of their deposits insured (non-large time non-transaction depositors) relative to more uninsured investment oriented investors (large time account depositors). The fact that deposit rates do not increase for transaction account holders as distress increases while other types of deposit rates increases is also important to consider; it suggest that moral hazard in conjunction with the convenience orientation of these depositors allows distressed banks to maintain this funding source at minimal cost regardless of risk. Thus the evidence suggests that both deposit insurance and the convenience orientation of a certain class of deposit investors imposes costs on the final creditor (the FDIC in this case) when a bank is in financial distress. Thus the results have important implications for regulators.


The researcher documents the presence of positive duration dependence in relationships. In other words, firms become more likely to end a bank relationship as a relationship matures. Taken alone, this result suggests that the value of relationships decline through time, and those firms are able to end relationships early, possibly to avoid lock-in. This inference is strengthened by the fact that small, young, and highly-leveraged firms maintain the shortest relationships. Although theory suggests that such bank-dependent firms are the most susceptible to lock-in, our findings imply that switching costs are low enough to permit these firms to change banks often.


Holding other firm characteristics constant, we show that competing bank relationships reduce the market power of any one bank, making long-term relationships more valuable. Although firms with multiple bank relationships terminate relationships frequently, they do so by terminating newer relationships and keeping long-term ones. Intuitively, the existence of alternative sources of bank credit reduces the ability for any one bank to threaten holdup. With lower holdup costs, a long-term relationship becomes more valuable to the multiple-bank firms.


The researcher also finds some indication that firms terminate relationships as they outgrow their banks. Firms tend to switch from small banks to larger banks, and maintain the longest relationships with Norway’s two largest banks. However, we find no evidence that this preference for larger banks arises as a result of limited capacity at other banks. Instead, growing firms could prefer the higher quality services offered by the large banks.


The evidence presented here should be useful to future theorists interes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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