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转换成本的假设，是相当自然的。它的程度是在于借款人对于一个银行机构根据个人对于银行服务和借款人的偏好的满意或者不满意程度，只有在产生业务往来之后，方能够准确测量他们。转换成本可能抓住先取消一个银行的账户再在另一处开账户的直接成本。这个与其他银行的应用程序相联系的成本，同时也会失去借款人与他前者开户银行的关系利益。

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中的，从一个单一贷款方贷款，将会耗资巨大。这表明了如果银行与公司关系往来断绝，违约风险对于我们的银行健康指标影响更显著。

总体来说，下面就是这篇研究报告的主要结论，这些中的每一个都会在全部篇章中进行相关的讨论：

受访者指出，当国际银行体系瘫痪，他们深受危机影响的行为将会导致信贷枯竭。

Satisfaction or Dissatisfaction About a Bank

The assumption about switching cost is rather natural to the extent that borrowers’ satisfaction or dissatisfaction about a bank can be different according to individual preference to banks’ services and borrowers can measure them exactly only after having the relationship. Switching costs may capture direct cost of closing an account with one bank and opening it elsewhere, the cost associated with other application procedures with other banks but also loss of relationship benefit between borrower and his former bank.

A borrower faces switching costs in a relationship with an individual bank; it would be costly to borrow from a single lender if its primary bank is in financial distress. This implies that default risk would be more sensitive to our bank health measures if the bank-firm relationship is close.

Overall, the following are the main conclusions for this study, each of these shall be discussed throughout the chapter:

The respondents elaborated that the manner in which they were affected by the crisis when the international banking system collapsed leading to drying up of credit. Living in the credit-driven environment, both individuals as well as the corporate sector found it difficult to face the “no credit” situation. Government-driven rescue packages were being announced across the world to save their respective economies. The amounts were running into hundreds of billions of their home currencies. The magnitude was so huge and the event so wide spread, that it spread across various sectors and various economies.

Image is indirectly related to the bank loyalty as perceived by quality. This is based on the results of large scale empirical results in a global level. Service quality is indirectly and directly related to bank loyalty in terms of satisfaction. Satisfaction has a direct effect on loyalty for the bank. It is now clear on level of the mentioned constructs that reliability or the quality dimension and the position in the market or the image dimension are both important drivers of bank retail loy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。